Listing Report:Supplement No. 20 dated Apr 26, 2011 to Prospectus dated Apr 14, 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 Apr 14, 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 Apr 14, 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 490929
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 7.70%  
Term: 60 months  
 
Lender yield: 18.99% Borrower rate/APR: 19.99% / 22.21% Monthly payment: $397.32
 
Lender servicing fee: 1.00% Effective Yield*: 18.55%  
Estimated return*: 10.85%  
* 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-1995 Debt/Income ratio: 37%
Credit score: 780-799 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:9y 6m
Amount delinquent: $0 Total credit lines: 44 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,516Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: Letspaysomebills Borrower's state: NewHampshire Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 780-799 (Latest)
Principal borrowed: $12,500.00< 31 days late: 0 ( 0% )  
680-699 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
My growing family!
Purpose of loan:
This loan will be used to?
pay off a credit card

My financial situation:
I am a good candidate for this loan because?I have a 100% on time payment history, please check my record!

Monthly net income: $ 9000.00

Monthly expenses: $
??Housing: $
2500
??Insurance: $ 222
??Car expenses: $
380
??Utilities: $
55-100
??Phone, cable, internet: $
60
??Food, entertainment: $
150
??Clothing, household expenses $
50
??Credit cards and other loans: $
250
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 500667
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 18.30%  
Term: 36 months  
 
Lender yield: 30.25% Borrower rate/APR: 31.25% / 34.89% Monthly payment: $172.56
 
Lender servicing fee: 1.00% Effective Yield*: 28.48%  
Estimated return*: 10.18%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Sep-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Apr-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 48 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,703Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: Yes  
Screen name: OracleDBA Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 5 ( 100% ) 780-799 (Latest)
Principal borrowed: $9,000.00< 31 days late: 0 ( 0% )  
620-639 (Sep-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 5  
Description
Business Expansion Loan
Purpose of loan:
This loan will be used to expand my IT business. I provide helpdesk and database support to customers. I have done it part time for the last 4yrs. I am trying to go into full time and now need to buy equipments and rent office. I owe a primary home and two renter properties. The rental income is $1,200 and $1,600.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502279
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
Minimum Amount to Fund: $4,550 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $261.85
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1993 Debt/Income ratio: 8%
Credit score: 780-799 (Apr-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 10 Occupation: Professional
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: point18 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Partial Funding of Home Purchase
Purpose of loan:
This loan will be used to...

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

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 503889
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 1.55%  
Term: 12 months  
 
Lender yield: 5.49% Borrower rate/APR: 6.49% / 7.43% Monthly payment: $604.04
 
Lender servicing fee: 1.00% Effective Yield*: 5.50%  
Estimated return*: 3.95%  
* 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: Nov-2006 Debt/Income ratio: 6%
Credit score: 760-779 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 6 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $841Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: engaging-bid4 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to paying off my higher interest mortgage loans in India.

My financial situation:
I am a good candidate for this loan because I have the financial wherewithal to pay off the loan, its just the circumstances does not provide me a cheaper source of funding. I have lived in the USA for 5 years. The first two years I spent getting my masters in business administration in Georgia Tech. The next three I have been working for my present employer. I am originally from India where I have a mortgage at 12% interest rate. That's how high interest rates are in India. I wanted to see if I can get a lower interest loan here in USA and partially re-pay my mortgage in India. Seems like a reasonable idea to me.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503895
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 18.30%  
Term: 36 months  
 
Lender yield: 30.25% Borrower rate/APR: 31.25% / 34.89% Monthly payment: $150.99
 
Lender servicing fee: 1.00% Effective Yield*: 28.48%  
Estimated return*: 10.18%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Apr-1993 Debt/Income ratio: 29%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 3Employment status:Other
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:25y 1m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,850Stated income:$1-$24,999
Delinquencies in last 7y: 5 Bankcard utilization: 58%  
   Homeownership: No  
Screen name: auction-tranquility2 Borrower's state: Nevada 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: 6 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
740-759 (Sep-2010)
 
Principal balance: $4,347.99 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Get out of Pesky Loans!
Will be using this money to get out of some high interest (190%+) loans which I was a dummy to get into. I have a steady income and always pay my bills on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503913
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $402.85
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1999 Debt/Income ratio: 60%
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $324Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: sensible-dedication476 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
Entrepreneur
Purpose of loan:(Business) Working Capital
This loan will be used to... Provide working Capital for new start up business. Payroll, supplies, etc...
My financial situation: Auto Detailer
I am a good candidate for this loan because...
I have shown to be a responsible borrower by paying all my bills on time and keeping my credit card balances to a minimum while maintaining a decent credit score of 725.

Monthly net income: $2,500
Monthly expenses: $1,950 (Expenses split with fiance)
Housing: $500.00
Insurance: $150.00
Car expenses: $ $75.00/week
Utilities: $150.00
Phone, cable, internet: $150.00
Food, entertainment: $200.00
Clothing, household expenses: $200.00
Credit cards and other loans: $300.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503983
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
Minimum Amount to Fund: $15,000 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 19.42% Monthly payment: $380.82
 
Lender servicing fee: 1.00% Effective Yield*: 16.71%  
Estimated return*: 10.76%  
* 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: Jul-1985 Debt/Income ratio: 21%
Credit score: 780-799 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 17Length of status:16y 6m
Amount delinquent: $0 Total credit lines: 39 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,971Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: market-showcase 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
Jacksonville Girl
Purpose of loan:
This loan will be used to...consolidate bills and home repairs

My financial situation:
I am a good candidate for this loan because...I have good credit, and I have been at my job 16 years


Monthly net income: $3200
Monthly expenses: $1895
Housing: $800
Insurance: $95
Car expenses: $100
Utilities: $200
Phone, cable, internet: $150
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $250 (will pay off my two credit cards with balances)
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504001
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
Minimum Amount to Fund: $4,900 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): 6 First credit line: Mar-1995 Debt/Income ratio: 22%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $14,604Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: blazing-point827 Borrower's state: Minnesota 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
bridget
Purpose of loan:
This loan will be used to...
pay back taxes
My financial situation:
I am a good candidate for this loan because...
I make my payments on time

Monthly net income: $4800
Monthly expenses: $3000
Housing: $812
Insurance: $150
Car expenses: $295
Utilities: $193
Phone, cable, internet: $120
Food, entertainment: $300
Clothing, household expenses: $150
Credit cards and other loans: $700
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504007
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 1.30%  
Term: 60 months  
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 9.20% Monthly payment: $518.84
 
Lender servicing fee: 1.00% Effective Yield*: 7.99%  
Estimated return*: 6.69%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Aug-1994 Debt/Income ratio: 13%
Credit score: 780-799 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:9y 2m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,952Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 19%  
   Homeownership: Yes  
Screen name: tpsjr22 Borrower's state: Idaho 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: 25 ( 100% ) 780-799 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
740-759 (May-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Auto Loan (Suburban, Yukon XL)
Purpose of loan: car loan for bigger car for my family
This loan will be used to...purchase a bigger car for my family. Our 2001 Windstar that we purchased new in 2001 is "nickle & diming" us right now with repairs. Need newer and bigger to transport kids and dogs

My financial situation: Good job, and pay bills on time
I am a good candidate for this loan because...I pay my bills on time. this will be my 2nd prosper loan and the 1st one was paid on time every time
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504049
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: D Listing Duration: 14 days
Minimum Amount to Fund: $9,800 Estimated loss*: 10.80%  
Term: 60 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 31.42% Monthly payment: $444.30
 
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): 5 First credit line: Sep-1999 Debt/Income ratio: 25%
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 23 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $453Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: courteous-finance1 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
Adding another income source
Me and my fiance just purchase a 3 family house out here in new york. We would like to finish the basement which is a 1000 sq ft to become rentable.
I am a good candidate for this loan because i have never been late and is a highly responsible person. My job is secured due to the fact that airport security is in high demand from all the issues that's going on around the world. My finance annual income exceeds over 100k and is highly supportive.

Thank you for your time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504089
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
Minimum Amount to Fund: $10,500 Estimated loss*: 4.95%  
Term: 60 months  
 
Lender yield: 13.99% Borrower rate/APR: 14.99% / 16.38% Monthly payment: $356.77
 
Lender servicing fee: 1.00% Effective Yield*: 13.77%  
Estimated return*: 8.82%  
* 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: Aug-1999 Debt/Income ratio: 34%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:11y 6m
Amount delinquent: $0 Total credit lines: 21 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,081Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: Yes  
Screen name: lcole32 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: 13 ( 100% ) 740-759 (Latest)
Principal borrowed: $6,500.00< 31 days late: 0 ( 0% )  
760-779 (Mar-2010)
 
Principal balance: $4,529.32 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Business Purchase
Purpose of loan:
This loan will be used to...

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


Monthly net income: $4068.00
Monthly expenses: $2388.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504101
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 18.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 10.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Apr-1993 Debt/Income ratio: 82%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 17 / 15Length of status:0y 3m
Amount delinquent: $731 Total credit lines: 57 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,450Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: reward-dogwood5 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
dotsonluver1
Purpose of loan: pool
This loan will be used to...replace 14 year old pool that is falling down.

My financial situation: good
I am a good candidate for this loan because... i allways make my payments on time


Monthly net income: $22000
Monthly expenses: $
Housing: $1000.00
Insurance: $50.00
Car expenses: $75.00
Utilities: $300.00
Phone, cable, internet: $150.00
Food, entertainment: $100.00
Clothing, household expenses: $100.00
Credit cards and other loans: $200.00
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504125
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: $5,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.42% Monthly payment: $210.02
 
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: Jul-1986 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Apr-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:18y 2m
Amount delinquent: $0 Total credit lines: 21 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,558Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: macs4u Borrower's state: California Borrower's group: Chicago Financial
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 55 ( 100% ) 700-719 (Latest)
Principal borrowed: $20,500.00< 31 days late: 0 ( 0% )  
660-679 (Feb-2010)
640-659 (Mar-2008)
640-659 (Nov-2007)
660-679 (Mar-2007)
 
Principal balance: $4,493.37 31+ days late: 0 ( 0% )
Total payments billed: 55  
Description
Dept Consolidation.
My past financial situation:
I have been an Apple Authorized reseller and service provider since 1993 when I opened my first office. I built my office up to 5 full time employees by 1999. In about 2001 the big box stores came to town, I tried everything to stay open but found myself in a position that had no way out as employees left In 2003 I made the hardest decision of my life to file bankruptcy at the recommendation of my CPA and close my store. Soon after I found that NOT having employees was a very good thing. I was also able to pick and keep the best customers and service them even better all myself. This turned out to be the best thing to ever happen to me.

Assets free and clear:
1976 BMW R100/7, $3500.
1951 Chevy Truck 3 window, $14,000
1998 3/4 ton Chevy with Avion Camper, 10,000
1994 Crown Victoria, $2500
Delinquencies:
The delinquencies are from changing my credit card processing to Wells Fargo.

Monthly gross income: $ 6500 to 7500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504137
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: C Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 7.70%  
Term: 36 months  
 
Lender yield: 15.99% Borrower rate/APR: 16.99% / 20.32% Monthly payment: $106.94
 
Lender servicing fee: 1.00% Effective Yield*: 15.63%  
Estimated return*: 7.93%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1992 Debt/Income ratio: 8%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 3Length of status:6y 7m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,597Stated income:$25,000-$49,999
Delinquencies in last 7y: 15 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: FunLvnPam Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 11 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
680-699 (Apr-2010)
 
Principal balance: $745.02 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
My personal loan
Purpose of loan: Home improvement & payoff a Dell computer account
This loan will be used for a couple of things. First off I need to replace my old push lawnmower with a new & more powerful one as I have a fairly large, thick lawn that I had an extremely difficult time with it last summer. I also am going to pay off what's left of a Dell account, and use the remaining for some small household repairs I need to make.

My financial situation: I work full time with occasional (and sometimes frequent!) overtime & pay my bills on time. I filed for bankruptcy 2 years ago and that is the only reason I've had any delinquent payments on anything. I no longer use credit cards by choice (except for my Dell account) due to that being the major reason for my bankruptcy.

I am a good candidate for this loan because I will pay it back! :)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498994
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,250.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $13,250 Estimated loss*: 9.80%  
Term: 60 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 27.32% Monthly payment: $388.83
 
Lender servicing fee: 1.00% Effective Yield*: 23.40%  
Estimated return*: 13.60%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-2000 Debt/Income ratio: 58%
Credit score: 700-719 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 16Length of status:6y 4m
Amount delinquent: $0 Total credit lines: 29 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,827Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: Yes  
Screen name: Coolwatern Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 88% ) 700-719 (Latest)
Principal borrowed: $4,000.00< 31 days late: 2 ( 12% )  
700-719 (Sep-2009)
700-719 (Aug-2009)
 
Principal balance: $2,207.28 31+ days late: 0 ( 0% )
Total payments billed: 17  
Description
Paying off credit cards
The purpose of this loan is to pay off some high interest credit card debt at a lower rate and to make one monthly payment instead of four. This would clear all credit card debt. I'm paying $431 for just the min.

My financial situation:
I am a good candidate for this loan because I have good credit and pay all of my bills on time.
I have been at my current job for 6.5 years.

Monthly Net Income: $2700
Total Monthly Income: $2700

Monthly Expenses:
Housing $600
Insurance $50
Auto Loans $400
Utilities $275
Food $500
Credit Cards $500
Internet $50
Gas $300
Total $2675


Thanks for looking at my auction and hopefully you can help me.
If you have any questions please ask.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503844
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 19.42% Monthly payment: $330.04
 
Lender servicing fee: 1.00% Effective Yield*: 16.71%  
Estimated return*: 10.76%  
* 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: Jul-1987 Debt/Income ratio: Not calculated
Credit score: 760-779 (Apr-2011) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:11y 1m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,151Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: dime-catapult2 Borrower's state: Montana 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 in Montana
Purpose of loan:
This loan will be used to help my husband cover his business' accounts receivable while waiting for a large vendor payment that is expected to arrive in the next 30 days. I plan on paying off this loan early, but I selected the 5 year term so my payments would be lower, therefore giving me a little flexibility.

My financial situation:
I am a good candidate for this loan because I am an honest person who never misses a payment. My home is paid off. My vehicle is also paid off, so my expenses are very low. My husband's business pays the loan payments showing on my credit as those were business loans. I always keep 4-5k in my checking account so I will always be able to make the monthly payments.


Monthly net income: $1775

Monthly expenses: $
Housing: $0
Insurance: $92
Car expenses: $0
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $200
Credit cards and other loans: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503850
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: D Listing Duration: 14 days
Minimum Amount to Fund: $9,800 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $563.99
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1984 Debt/Income ratio: 20%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:7y 2m
Amount delinquent: $0 Total credit lines: 27 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $124,977Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: direct-benjamins4 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
Budgeting and Debt Management
This loan will be used to pay off high interest rate credit.My financial situation:Excellent except for some debt after divorce.I am a good candidate for this loan because I have always paid my debts on time. I recently went through a divorce which left me with some debt. Although my credit lists a mortgage, property settlement on the home determined my ex-husband, who occupies the home,is responsible for the mortgage and owns the home. I want to get my finances in order and prepare for retirement. I am gainfully employed by the federal government. Responsible/conscientious person with a doctorate. Detail oriented, seeking credible opportunity to reorganize my finances. $85000 of the revolving credit showing on my debt is part of the mortgage my ex-husband is responsible per the property settlement. I do not own a home. Monthly net income;$6200, Monthly expenses:$3000 (total),Rent: $2000,Credit cards and other loans: $800 monthly, some will be paid off with this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503874
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,700 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 19.42% Monthly payment: $279.27
 
Lender servicing fee: 1.00% Effective Yield*: 16.71%  
Estimated return*: 10.76%  
* 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-2006 Debt/Income ratio: 16%
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 2Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $642Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: No  
Screen name: goal-vigilance2 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
I wnat to buy a new car
Purpose of loan: to buy a car
This loan will be used to...buy a car..I feel better having a title of a car, because you can always sell it faster, and why not pay the debt just in case..plus money in hand is always a better way to negociate.

My financial situation: great
I am a good candidate for this loan because...
Im a very responsable person, since i started working my credit 6 years ago, I have never been late in a payment. Thats why now I have 0 debts, and my credit is higher then ever.

Monthly net income: $2300
Monthly expenses: $
Housing: $350
Insurance: $n/a
Car expenses: $n/a
Utilities: $
Phone, cable, internet: $45, cable $ 90
Food, entertainment: $200 a month to 300
Clothing, household expenses: $
Credit cards and other loans: $2 credit cards, but i owe nothing.
Other expenses: $
n/a
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503884
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: $23,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $23,000 Estimated loss*: 1.55%  
Term: 60 months  
 
Lender yield: 10.10% Borrower rate/APR: 11.10% / 11.32% Monthly payment: $501.22
 
Lender servicing fee: 1.00% Effective Yield*: 10.09%  
Estimated return*: 8.54%  
* 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: May-1995 Debt/Income ratio: 8%
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 6 / 5Length of status:7y 5m
Amount delinquent: $177 Total credit lines: 20 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 50 Revolving credit balance: $9,177Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: newest-community-trajectory 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
Seeking Consolidation Loan
Purpose of loan: Debt Consolidation
This loan will be used to...Pay off past tax obligation

My financial situation:
I am a good candidate for this loan because...I have been employed by the same company for almost 10 years, I am a District Sales Manager with income exceeding 100K. My total debt load is less than 8K other than this tax bill.
I would like to secure a loan at a reasonable interest rate because the interest and penilties I am being charged is very unreasonable.
If you look at my credit history you will find I have never defaulted on a loan and have a credit score exceeding 730.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503886
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,500 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $302.14
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1996 Debt/Income ratio: 22%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:19y 9m
Amount delinquent: $0 Total credit lines: 40 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,446Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: moola-cluster9 Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
CB LOAN
Purpose of loan:
This loan will be used to..

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503888
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 9.80%  
Term: 60 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 27.32% Monthly payment: $440.18
 
Lender servicing fee: 1.00% Effective Yield*: 23.40%  
Estimated return*: 13.60%  
* 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-2003 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Apr-2011) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 17 / 16Length of status:15y 3m
Amount delinquent: $0 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,366Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: Yes  
Screen name: sunny789 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 45 ( 100% ) 780-799 (Latest)
Principal borrowed: $7,900.00< 31 days late: 0 ( 0% )  
680-699 (Apr-2010)
660-679 (Jun-2008)
 
Principal balance: $2,218.79 31+ days late: 0 ( 0% )
Total payments billed: 45  
Description
3rd prosper loan - never late
Purpose of loan:
This loan will be used for home improvement and debt consolidation.

My financial situation:
I am a good candidate for this loan because I always pay my debts.


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 503904
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: C Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.49% Borrower rate/APR: 19.49% / 22.87% Monthly payment: $147.62
 
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: Jan-1991 Debt/Income ratio: Not calculated
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 2Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 17Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,058 
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: No  
Screen name: fairness-loyalist0 Borrower's state: Missouri 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
Educational Expenses
Purpose of loan: Educational
This loan will be used to... finance graduate school

My financial situation: Currently in graduate school and obtaining employment after graduation in June 2011.
I am a good candidate for this loan because...
I have attained employment starting following graduation in June 2011 and will promptly pay off the loan on time.

Monthly net income: $
Monthly expenses: $
Housing: $1500/month
Insurance: $
Car expenses: $
Utilities: $200.00
Phone, cable, internet: $100.00
Food, entertainment: $100.00
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503922
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 18.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 10.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Apr-1999 Debt/Income ratio: Not calculated
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:13y 11m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,320Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: nourishing-credit1 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
Good Credit Standing
Purpose of loan:
This loan will be used to pay medical bills and other utility bills

My financial situation:
I am a good candidate for this loan because I strive to make all payments on time.


Monthly net income: $ 2800.00
Monthly expenses: $
Housing: $ 358.00
Insurance: $ 60.00
Car expenses: $
Utilities: $ 250.00
Phone, cable, internet: $40.00
Food, entertainment: $250.00
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503998
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 6.99% Borrower rate/APR: 7.99% / 8.33% Monthly payment: $313.32
 
Lender servicing fee: 1.00% Effective Yield*: 6.99%  
Estimated return*: 5.44%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Oct-1997 Debt/Income ratio: 8%
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:8y 1m
Amount delinquent: $0 Total credit lines: 22 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,119Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: No  
Screen name: felicity-onator Borrower's state: DistrictOfColumbia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Engagement Ring
Purpose of loan:
This loan will be used to help finance an engagement ring for the girl of my dreams.

My financial situation:
I am a good candidate for this loan because I could save the requested loan amount in a matter of months. Additionally my monthly living expenses will be going down considerably in June when I move in with my girlfriend so we can start our lives together.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504004
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 18.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 10.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Feb-1996 Debt/Income ratio: 6%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:9y 3m
Amount delinquent: $0 Total credit lines: 2 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: poetic-payment0 Borrower's state: Alabama 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
bmess
Purpose of loan:
This loan will be used to...take a vacation.

My financial situation:
I am a good candidate for this loan because...I do not have any outstanding debt. I usually pay for everything with cash. I want to get this loan because as I stated I usually pay for things but would like to get a loan to keep my credit built up.


Monthly net income: $2500
Monthly expenses: $
Housing: $250
Insurance: $45
Car expenses: $100
Utilities: $150
Phone, cable, internet:$90
Food, entertainment: $100
Clothing, household expenses: $150
Credit cards and other loans: $0
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504010
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.42% Monthly payment: $381.85
 
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): 5 First credit line: Feb-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Apr-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 22 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,735Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 63%  
   Homeownership: Yes  
Screen name: czar612 Borrower's state: Missouri 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: 30 ( 100% ) 760-779 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
700-719 (Sep-2008)
 
Principal balance: $3,143.57 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
cook/owner
Purpose of loan:
This loan will be used to expand my operations purchase more equipment
and operating cost.
My financial situation:
I am a good candidate for this loan because i,ve been in operation for 2.5 years, bills get paid band overhead is low.


Monthly net income: $6000
Monthly expenses: $1500
Housing: $0
Insurance: $400
Car expenses: $0
Utilities: $500
Phone, cable, internet: $90
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504014
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 18.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 10.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Apr-1997 Debt/Income ratio: 50%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 52 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,132Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: No  
Screen name: minichu 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
mychiua
Purpose of loan:
This loan will be used to...payoff current high interest loan

My financial situation:
I am a good candidate for this loan because...even though I had some difficulties with my financial situation due to the downfall of the economy I have strived to keep my bill payments on time. I am currently establishing my goal to pay off my debt however, this current loan I would like to pay, I feel the principle is not going down and most of the payments being paid are towards the interest.


Monthly net income: $1300
Monthly expenses: $
Housing: $400 - including utilities
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $150
Clothing, household expenses: $
Credit cards and other loans: $500 - including loan I would like to pay off
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504022
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.42% Monthly payment: $95.46
 
Lender servicing fee: 1.00% Effective Yield*: 20.48%  
Estimated return*: 10.68%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1997 Debt/Income ratio: 8%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:7y 11m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,500Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: No  
Screen name: wise-wealth-performer Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 13 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Feb-2010)
 
Principal balance: $739.33 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Tranportation1
Purpose of loan:
This loan will be used to...purchase transportation

My financial situation:
I am a good candidate for this loan because..I have been with Prosper for about 1yr1/2. I believe I have shown that I pay as committed and that payment is directly from by checking account.


Monthly net income: $3,300
Monthly expenses: $ 150
Housing: $750
Insurance: $30
Car expenses: $0
Utilities: $100
Phone, cable, internet: $43
Food, entertainment: $0
Clothing, household expenses: $20
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504068
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: C Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.49% Borrower rate/APR: 19.49% / 22.87% Monthly payment: $369.04
 
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): 9 First credit line: Sep-2002 Debt/Income ratio: 16%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 12 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,432Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 63%  
   Homeownership: No  
Screen name: bazaar-storm0 Borrower's state: DistrictOfColumbia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Making it happen
Purpose of loan:
The purpose of this loan will be to pay down the credit card debt that I accumulated, while supporting my unemployed girlfriend. I want consolidate this debt into one easy monthly loan payment with a lower interest rate.

My financial situation:
I am a good candidate for this loan because I have paid of my prior loans on time. I do not carry any other debt, and I am currently only supporting myself. I am not a risky investment


Monthly net income: $3033.00
Monthly expenses: $1960.00
Housing: $1100.00
Insurance: $200.00
Car expenses: $80.00 a month
Utilities: $30.00
Phone, cable, internet: $150.00
Food, entertainment: $300.00
Clothing, household expenses: $100.00
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504110
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $161.14
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1995 Debt/Income ratio: 7%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 4 Current / open credit lines: 3 / 3Length of status:5y 2m
Amount delinquent: $503 Total credit lines: 10 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $495Stated income:$25,000-$49,999
Delinquencies in last 7y: 16 Bankcard utilization: 36%  
   Homeownership: No  
Screen name: fair-deal988 Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
loan
Purpose of loan: I need to clear up some older debts

This loan will be used to..pay off debts and repair the family car.

My financial situation: I have a great job and I have been rebuilding my credit I know have 3 unsecured credit cvards
I am a good candidate for this loan because...I pay my bills on time and want my credit score to keep going up
MY WIFES INCOME WILL BE INCLUDED BELOW

Monthly net income: $5000
Housing: $1500
Insurance: $350
Car expenses: $250
Utilities: $225
Phone, cable, internet: $125
Food, entertainment: $300
Clothing, household expenses: $250
Credit cards and other loans: $never carry a balance .paid immediately
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504116
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 10.80%  
Term: 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: Apr-1993 Debt/Income ratio: 12%
Credit score: 700-719 (Apr-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 22 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,674Stated income:$50,000-$74,999
Delinquencies in last 7y: 16 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: espyd91770 Borrower's state: California Borrower's group: All In The Family
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:
This loan will be used to purchase a used truck for my husband to get to job sites.

My financial situation:
I am a good candidate for this loan because.I am working fulltime for a stable company.


Monthly net income: $2800
Monthly expenses: $
Housing: $800
Insurance: $150
Car expenses: $
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.