Listing Report:Supplement No. 21 dated Apr 27, 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 488975
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 4.95%  
Term: 36 months  
 
Lender yield: 10.99% Borrower rate/APR: 11.99% / 14.12% Monthly payment: $149.44
 
Lender servicing fee: 1.00% Effective Yield*: 10.83%  
Estimated return*: 5.88%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-1987 Debt/Income ratio: 17%
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 33 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $49,868Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: joeyavanti Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 32 ( 97% ) 720-739 (Latest)
Principal borrowed: $4,500.00< 31 days late: 1 ( 3% )  
660-679 (Jul-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
Paying off high interest credit
Purpose of loan:
This loan will be used to pay off a high interest credit card. I am consolidating business finances that ran over to personal credit cards as a funding resource.

My financial situation:
I am a good candidate for this loan because I have an established and proven record of paying all debt that I have ever incurred. Simply put, I have no history of a default on any obligation...I pay my debts. To further support my case, I just successfully paid off my one and only Prosper loan. I found the Prosper environment perfect for my financing options and made all payments as promissed.

Monthly net income: $13,500
Monthly expenses: $9570
Housing: $2746
Insurance: $1155
Car expenses: $355
Utilities: $500
Phone, cable, internet: $184
Food, entertainment: $1160
Clothing, household expenses: $470
Credit cards and other loans: $1600
Other expenses: $1400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 496519
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,000 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $217.74
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Sep-1995 Debt/Income ratio: 52%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 10 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,632Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: bold-fascinating-ore 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
My loan for debt consolidation
Purpose of loan:
This loan will be used to...pay off existing debt

My financial situation:
I am a good candidate for this loan because I do not have high monthly expenses.


Monthly net income: $1300
Monthly expenses: $350
Housing: $0
Insurance: $0
Car expenses: $100
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $250
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503967
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,300 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $362.57
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1994 Debt/Income ratio: 22%
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 15Length of status:9y 11m
Amount delinquent: $0 Total credit lines: 41 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $32,560Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: Yes  
Screen name: wise-profitable-income Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Loan
Purpose of loan:

Purchase 200 PC's for resale

My financial situation:
I am a good candidate for this loan because...
Can easily make the minimum payment selling just 2 units per month. Also have repair income, in addition to my w-2 income.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504005
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $12,500 Estimated loss*: 9.80%  
Term: 60 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 27.32% Monthly payment: $366.82
 
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: Nov-1999 Debt/Income ratio: 21%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:8y 0m
Amount delinquent: $0 Total credit lines: 49 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,417Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: jeremp 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 2 ( 100% ) 740-759 (Latest)
Principal borrowed: $5,001.00< 31 days late: 0 ( 0% )  
700-719 (Jul-2009)
680-699 (May-2009)
700-719 (Sep-2008)
680-699 (Jun-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 2  
Description
My loan for home improvement
Purpose of loan: Energy efficient home repairs
This loan will be used to add energy efficient upgrades to our house. Updated HVAC, new windows (including skylights).

My financial situation:
I am a good candidate for this loan because I live well below my means and I have great cash-flow. I maintain a humble lifestyle.


Monthly net income: $7900
Monthly expenses: $2200
Housing: $525
Insurance: $75
Car expenses: $400
Utilities: $200
Phone, cable, internet: $80
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504061
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: $4,000 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: Feb-1982 Debt/Income ratio: 12%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:11y 6m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,934Stated income:$50,000-$74,999
Delinquencies in last 7y: 35 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: dynamic-investment5 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
dynamic-investment5
Purpose of loan: Medical required bed not covered by any insurance.
This loan will be used to...Chronic pain

My financial situation: I have Social Security and State Retirement direct deposited in bank account.
I am a good candidate for this loan because.. I was a Deputy Sheriff for 15 years service when a vehicle failed to stop and ran over me at a road checking detail. This caused a divorce. I have since remarried to a wonderful woman who is an adoption coordination manager for Catholic Charities. My wife makes excellent money at her job.


Monthly net income: $4,305.00
Monthly expenses: $2773.00
Housing: $1398.00
Insurance: $Included in house payment
Car expenses: $Wife pays
Utilities: $275.00
Phone, cable, internet: $425.00
Food, entertainment: $250.00
Clothing, household expenses: $250.00
Credit cards and other loans: $75.00
Other expenses: $100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504071
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: Aug-2005 Debt/Income ratio: 18%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:7y 3m
Amount delinquent: $0 Total credit lines: 7 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,375Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: asset-lyrics 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
Credit Card consolidation
Purpose of loan:
The purpose of this loan will be for consolidating my revolving credit card debt. Recently I have had to use my credit cards to pay for unexpected funeral expenses. This loan will be used to consolidate them into one monthly payment.

My financial situation:
I am a good candidate for this loan because I have an steady income and excellent repay history. In the past I have had loans which were paid on time and payments were made early in most cases. The ONLY neg factor on my credit is this revolving debt which has lowered my score. After all expenses I have an income of about $2800.

Monthly net income: $9800
Monthly expenses:
Housing: $2,200
Insurance: $ 275
Car expenses: $396
Utilities: $415
Phone, cable, internet: $200
Food, entertainment: $ 400
Clothing, household expenses: $ 350
Credit cards payments: $520
Other expenses: $ 1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504085
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 1.55%  
Term: 12 months  
 
Lender yield: 5.49% Borrower rate/APR: 6.49% / 7.43% Monthly payment: $388.31
 
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: Oct-1995 Debt/Income ratio: 14%
Credit score: 800-819 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 28 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,034Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 19%  
   Homeownership: Yes  
Screen name: noble-basis8 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Card Payoff
Purpose of loan:
This loan will be used to pay off a balance on a credit card.

My financial situation:
I am a professional civil engineer with stable employment. I have enough money in a money market account to pay off the card now, but I'd rather keep the savings and pay this off over the next year. My credit card had been under 7% not that long ago, but all credit card rates have gone up over the last year, and mine has risen to 13.24%. I'd just like to pay a little less interest while I finish paying this off. Also, paying that interest directly to a real person instead of to a big bank really appeals to me. The card is with Chase, and I'm gradually trying to move my banking and borrowing away from them.

My credit history is perfect. I have had mortgages, car loans, revolving credit, student loans, and other types of credit over the years, all in good standing. My credit report doesn't show any late payments or other problems.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504139
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $12,000 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 19.42% Monthly payment: $304.66
 
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: Mar-1996 Debt/Income ratio: 30%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 59 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,438Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: Yes  
Screen name: safe-fund1 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Purchase Cars for Auto Dealership
Purpose of loan:
This loan will be used to purchase more inventory for a bonded, insured and licensed auto dealership.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504143
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 8.70%  
Term: 12 months  
 
Lender yield: 17.49% Borrower rate/APR: 18.49% / 27.46% Monthly payment: $183.83
 
Lender servicing fee: 1.00% Effective Yield*: 17.09%  
Estimated return*: 8.39%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-2001 Debt/Income ratio: 5%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 4 / 4Length of status:1y 6m
Amount delinquent: $115 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $521Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: dhumil Borrower's state: Illinois Borrower's group: FUTURE FINANCIAL FREEDOM 1
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
She Said Yes!
Purpose of loan: Finance 30% of the Engagement Ring
Loan used to Pay the remaining balance on Blue Nile.com Credit card services. I purchased a 1.07 carat engagement ring for $4800 paid $3100 cash & defer $1700 on BlueNile Credit Card 0% for 6 months which will be coming due in April i have a remaining Balance of $1500. It will back track the interest for past 6 months at 24% if not fully paid.

I have a great career as a licensed banker. I pay my CC balance in full 100% on time payment. I also am a consultant on part time basis. I have been a lender with prosper http://tinyurl.com/3whbsfx believer in prosper & i rather pay interest to the community where i lend than CC.
Monthly net income: $2800
Monthly Exp.
Housing:$800
Insurance:$160
Car exp:$0(paid off)
Utilities:$85
At&t uverse:$150
Food, ent. :$350
Clothing, household expenses:$200
CC and loans:$0
Thank you for taking the time to read my listing. If you have any questions please ask.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504149
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): 5 First credit line: Jul-2000 Debt/Income ratio: 34%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 19 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,278Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: icon040 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 640-659 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
740-759 (Apr-2010)
 
Principal balance: $4,180.49 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Attorney Fees
This loan will be used to pay legal fees to take my ex to court. She?s refused to let me get my kids on numerous occasions & I can't continue to not see them. I am also modifying my decree. I will ask for some of the legal fees back from her in court.

Financial situation:
I have a steady income & pay my bills on time. My credit score has dropped since my last loan due to my ex not paying the final bills in my name at our home. I just found out about this & paid them immediately. They have been removed from my credit report (0 delinquencies) but it hasn't reflected in my score yet.

Monthly net income: $1800
Expenses: $1449 (w/ this loan)
Housing: $0
Insurance: $112
Car: $450
Utilities: $122
Phone,cable,internet: $0 (free w/ job)
Food/Entertainment: $175
Clothing/household expenses: $50
Credit cards/loans: $302 + $173 (this loan)
*Income is assuming I get little/no OT which is rare. I budget assuming I won't get any in case that occurs. I am also due a raise*
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504151
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: E Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 14.70%  
Term: 12 months  
 
Lender yield: 25.69% Borrower rate/APR: 26.69% / 35.84% Monthly payment: $239.67
 
Lender servicing fee: 1.00% Effective Yield*: 24.52%  
Estimated return*: 9.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-2003 Debt/Income ratio: 33%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 16 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,508Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: lean-credit Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Car Pay Off!
Purpose of loan: This loan will be used to...I have approximately $2500 left to pay off my car. I had recently accellerated the pay off date of my car and was going to be closing the loan in August of this year. I would like to pay it off before then.


My financial situation:
I am a good candidate for this loan because... I pay my bills on time every single month. I do not have excessive debt and am looking to improve my overall financial situation by paying off my car faster.


Monthly net income: $2954
Monthly expenses: $
Housing: $400
Insurance: $
Car expenses: $40 (I take the bus to work, drive my car maybe 2 miles per day)
Utilities: $140
Phone, cable, internet: $130
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504163
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*: 9.80%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.42% Monthly payment: $248.20
 
Lender servicing fee: 1.00% Effective Yield*: 20.48%  
Estimated return*: 10.68%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1998 Debt/Income ratio: 13%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 37 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,243Stated income:$75,000-$99,999
Delinquencies in last 7y: 2 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: diversification-enlistment 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: 0 / 1 On-time: 4 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,700.00< 31 days late: 0 ( 0% )  
720-739 (Nov-2010)
640-659 (Oct-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 4  
Description
Improve My Kitchen
Purpose of loan:
This loan will be used to update my kitchen.

My financial situation:
I am a good candidate for this loan because I am a responsibile person with a good job and I will sign up for automatic payments. I too am a Prosper lender and I have also borrowed from Prosper in the past. All payments were made on time.


Monthly net income: $6500
Monthly expenses: $
Housing: $ 1861
Insurance: $ 174
Car expenses: $ 294
Utilities: $ 200
Phone, cable, internet: $ 176
Food, entertainment: $ 500
Clothing, household expenses: $
Credit cards and other loans: $ 50
Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504197
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.99% Borrower rate/APR: 14.99% / 17.16% Monthly payment: $346.60
 
Lender servicing fee: 1.00% Effective Yield*: 13.77%  
Estimated return*: 7.82%  
* 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: Jun-1998 Debt/Income ratio: 37%
Credit score: 760-779 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:7y 3m
Amount delinquent: $0 Total credit lines: 34 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,420Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: dkasbury Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
New Baby! Get rid of CC debt!
Purpose of loan: Pay off credit card debt faster
This loan will be used to... Pay off credit card debt that has 25% APR faster in order to become more financially stable when the new baby arrives.I will pay more than the minimum each month. I will have this paid off in less than a year I promise!

My financial situation: Bank of America
I am a good candidate for this loan because... Hard working and always pay my bills on time.I'm a teacher and my wife is a nurse. I also coach and referee basketball and umpire little league baseball.


Monthly net income: $3000 + wife $4000
Monthly expenses (See Below)
Housing: $1,100
Car Insurance: $160
Car expenses: $875 (2 cars) Will be payed off by March 2012
Utilities: $130
Phone, cable, internet: $200
Food, entertainment: $300
Clothing, household expenses: $
Credit cards: $725
Student Loans: $325
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491628
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: E Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 32.58% Monthly payment: $293.30
 
Lender servicing fee: 1.00% Effective Yield*: 26.71%  
Estimated return*: 12.01%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-1985 Debt/Income ratio: 20%
Credit score: 700-719 (Apr-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:6y 8m
Amount delinquent: $0 Total credit lines: 43 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,141Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: exchange-wizard Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 16 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,500.00< 31 days late: 0 ( 0% )  
700-719 (Oct-2010)
680-699 (Nov-2009)
 
Principal balance: $3,044.21 31+ days late: 0 ( 0% )
Total payments billed: 16  
Description
"Never Pays Late Borrower"
Purpose of loan:
This loan will be used to consolidate and manage current debt.

My financial situation:
I am a good candidate for this loan because I am a solid borrower. My credit is very good and I pay all of my bills on time--never late. I am a responsible attorney who built up some debt in the past few years, hence the need for a lump sum amount to reduce my current debt.

I have a strong salary and I'm going on 7 years at the same company. My reputation in the legal community is very strong. I am a responsible borrower who is able to repay this loan without any problems or concerns.


Monthly net income: $16250.00
Monthly expenses: $7750
Housing: $3700
Insurance: $250
Car expenses: $800
Utilities: $300
Phone, cable, internet: $200
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: $1500
Other expenses: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492382
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $6,300 Estimated loss*: 7.70%  
Term: 36 months  
 
Lender yield: 15.99% Borrower rate/APR: 16.99% / 20.32% Monthly payment: $320.83
 
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: Feb-2006 Debt/Income ratio: Not calculated
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 14 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,701Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: albert_8ps Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
720-739 (Mar-2010)
 
Principal balance: $290.68 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
My loan for debt consolidation
I am planning to use this money to consolidate my credit cards debt. I am perfect candidate for this loan because I ALWAYS PAY ON TIME, and this are my numbers:

Monthly income: $ 2,500.00

Rent and bills$ 500.00

Car & insurance payment:$330.00

Meals & entertainment: $300.00

Cell phone:$60.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501212
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: C Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 7.70%  
Term: 36 months  
 
Lender yield: 15.99% Borrower rate/APR: 16.99% / 20.32% Monthly payment: $267.36
 
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: Jul-1998 Debt/Income ratio: 21%
Credit score: 700-719 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 16 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,133Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: wise-integrity-powerplant 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: 0 / 1 On-time: 4 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
640-659 (Aug-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 4  
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to...debt consolidation and home improvements

My financial situation:
I am a good candidate for this loan because...I'm just finishing the 4th year of a 5 year electrical apprenticeship program. Next pay raise will be June 2011 in the amt. of $3 an hour and another of June 2012.


Monthly net income: $2682.28
Monthly expenses: $
Housing: $723.00
Insurance: $house ins. included in payment
Car expenses: $58ins $300 fuel/maint
Utilities: $250
Phone, cable, internet: $87
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $445
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501614
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.42% Monthly payment: $76.37
 
Lender servicing fee: 1.00% Effective Yield*: 20.48%  
Estimated return*: 10.68%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-2000 Debt/Income ratio: 10%
Credit score: 620-639 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:4y 7m
Amount delinquent: $0 Total credit lines: 12 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $74Stated income:$1-$24,999
Delinquencies in last 7y: 23 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: mystical-velocity3 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 83% ) 620-639 (Latest)
Principal borrowed: $1,500.00< 31 days late: 2 ( 17% )  
660-679 (Mar-2010)
 
Principal balance: $346.20 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Baby on the way!
Purpose of loan: To purchase a few of the necessities we need and have a little extra money in the bank.

My financial situation: Is really good right now, we are not behind on any payments. I would just feel more secure with a little extra money in the bank for new baby items.


Monthly net income: $1500
Housing: $550
Insurance: $100
Car expenses: $80
Utilities: $143
Phone, cable, internet: $110
Food, entertainment: $100
Clothing, household expenses: $10
Credit card expenses: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503226
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.49% Borrower rate/APR: 19.49% / 22.87% Monthly payment: $221.43
 
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: Dec-1999 Debt/Income ratio: 5%
Credit score: 700-719 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:4y 10m
Amount delinquent: $0 Total credit lines: 34 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $141Stated income:$50,000-$74,999
Delinquencies in last 7y: 58 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: deadi28 Borrower's state: Oregon 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 Free with Solid Income
Purpose of loan: Next step rebuilding credit.
This loan will be used to... My wife and I plan to put this money in our savings account as we continue to build our credit so that we can eventually buy a house.

My financial situation: We are debt free!
I am a good candidate for this loan because... Our credit was stellar until we got a little over our heads with real estate investment a few years ago. Lesson learned. And since we are using this loan to rebuild our credit it's safe to say the we will never miss or even be late with any payments.


Monthly net income: $ 4700.00
Monthly expenses: $ 3228.52
Housing: $ 1247.00
Insurance: $ 128.63
Car expenses: $ 0
Utilities: $ 351.41
Phone, cable, internet: $ 151.48 (includes cell)
Food, entertainment: $ 850.00
Clothing, household expenses: $ 150.00
Credit cards and other loans: $ 0
Other expenses: $ 350.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503976
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 9.80%  
Term: 60 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 27.32% Monthly payment: $234.76
 
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): 7 First credit line: Sep-2001 Debt/Income ratio: 12%
Credit score: 620-639 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 4 / 3Length of status:1y 10m
Amount delinquent: $969 Total credit lines: 12 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $524Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: bstunna2002 Borrower's state: Hawaii Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 33 ( 94% ) 620-639 (Latest)
Principal borrowed: $1,000.00< 31 days late: 2 ( 6% )  
520-539 (Mar-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Personal Loan
Purpose of loan:
This loan will be used to..Pay off my CC and Fix my Car

My financial situation:
I am a good candidate for this loan because...I have good standing record with prosper...I have made significant improvments in my credit score and with help I aim to continue to improve


Monthly net income:$3000
Monthly expenses:$2400
Housing:$400
Insurance:$100
Car expenses:$406
Utilities:$100
Phone, cable, internet:$150
Food, entertainment:$400
Clothing, household expenses:$150
Credit cards and other loans: $600
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503982
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: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $152.42
 
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: 18%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 28 / 16Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 54 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,781Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: engrossing-dedication7 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Reliable professional seeks loan.
Purpose of loan:
This loan will be used to payoff high-interest debt and close an old credit card.

My financial situation:
I am a good candidate for this loan because I have a reliable, high income and stable employment. I am seeking to improve my credit in the next 6-9 months by paying off revolving debt and not using credit card debt anymore. I am a homeowner and also current on my mortgage, auto loan, and all other accounts. My intention is to use this loan payoff short-term card debt and actually then pay this Prosper loan off early with year-end bonus money and other investment income in December 2011.


Monthly Gross income: $9583
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504006
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.49% Borrower rate/APR: 19.49% / 22.87% Monthly payment: $295.23
 
Lender servicing fee: 1.00% Effective Yield*: 18.06%  
Estimated return*: 9.36%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Feb-1984 Debt/Income ratio: 26%
Credit score: 780-799 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 8Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 52 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $50,852Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: eclair954 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Bet your bottom dollar here!
This loan will be used to payoff credit card and other accounts that have already been closed. I am financially stable and gainfully employed but feeling very squeezed. I have been furloughed for three years, resulting in income reduction. Additionally, I am about to adopt another child--this time from foster care (no adoption expense)--and it would help if I could reduce my debt. I am a good candidate for this loan because each month I pay my debts on time and often above the minimum payment.

Monthly net income: $4500
Monthly expenses: $4100
Housing: (including homeowner's) $2000
Insurance: (life insurances, appliance, etc) $50
Car expenses: (insurance) $100.00
Utilities: $ 375.00
Phone, cable, internet: $100.00
Food, entertainment: $100.00
Clothing, household expenses: (after-care, childcare) $350.00
Credit cards and other loans: $350.00
Other expenses: (student loan) $675.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504094
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: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 18.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $130.65
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 10.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-2002 Debt/Income ratio: 48%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,851Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: order-venture 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
Short Term Loan
Purpose of loan:
This loan will be used in helping my parents out with their medical expenses while they both are dealing with lawyers. They were involved in a terrible car accident this past New Years Eve from a guy who had ran a red light and had t-boned my parents leaving them with a lot of medical bills, financial hardships and emotional drained from all this.
My financial situation:
I am a good candidate for this loan because I am very responsible and always pay my bills on time and never have been delinquent on anything. I recently changed my job for the better. And make more money than I have been in the past years at my prior employer.
On another note I have the backing of my sister, Who will be teaming up on paying back this loan out as soon as possible vs waiting the 3 years to pay it off. So paying back this loan is not a problem.

Monthly net income: $2500
Insurance: $130
Car expenses: $300
Phone, cable, internet: $30
Credit cards and other loans: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504106
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*: 10.80%  
Term: 12 months  
 
Lender yield: 22.99% Borrower rate/APR: 23.99% / 33.08% Monthly payment: $236.39
 
Lender servicing fee: 1.00% Effective Yield*: 22.43%  
Estimated return*: 11.63%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jan-1997 Debt/Income ratio: 33%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 31 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,950Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: red-joyous-asset Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Reliable & Quick Payoff
Purpose of loan:
Pay off last minute wedding balances for wedding in 1 month.

My financial situation:
Make on time payments & this will be paid off early by me & my fiance. Just need lump sum to pay things off fast to reduce stress.

Monthly net income: $ 5000
Monthly expenses:
Housing: 850
Insurance:
Car expenses: 460
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 504146
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): 6 First credit line: Oct-1997 Debt/Income ratio: 27%
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 36 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $119,519Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: MoneyTree_Lending Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 57 ( 100% ) 720-739 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
700-719 (Jun-2008)
680-699 (Mar-2008)
660-679 (Feb-2008)
740-759 (Apr-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 57  
Description
Need help with taxes
Purpose of loan:
I found myself with a large tax bill that I need to get paid quickly. I would rather not make a deal with the IRS and would rather borrow the money to make the payment then pay the loan back.

My financial situation:
I am a good candidate for this loan because I have used Prosper two other times and I've paid both loans in full and never missed a single payment. Both loans were even paid off early. My business is young but growing with a guaranteed contract worth $162,000 a year.


Monthly net income: $6000
Monthly expenses:
Housing: $2000
Insurance: $200
Car expenses: $600
Utilities: $400
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $300
Credit cards and other loans: $1400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504152
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): 7 First credit line: Jan-2003 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 25 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,646Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: euro-shepherd 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
Seeking to increase Inventory
Purpose of loan: Increase Inventory
This loan will be used to purchase additional inventory for sales.

My financial situation: Very good with great outlook.

I am a good candidate for this loan because the business is in electronics/accessories industry. Net profit margins are about 30-40% Demand has been increasing but because of lack of inventory, company must reject or delay sales orders. If there is more liquidity to increase inventory, it will position the company to accept larger orders and more new business.


Monthly net income: $10,667
Monthly expenses: $6,800
Housing: $2,000
Insurance: $160
Car expenses: $0
Utilities: $200
Phone, cable, internet: $200
Food, entertainment: $700
Clothing, household expenses: $70
Credit cards and other loans: $1,000
Other expenses: $2,470
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504166
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 9.80%  
Term: 12 months  
 
Lender yield: 18.99% Borrower rate/APR: 19.99% / 29.00% Monthly payment: $463.15
 
Lender servicing fee: 1.00% Effective Yield*: 18.54%  
Estimated return*: 8.74%  
* 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-1994 Debt/Income ratio: 19%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 3Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 12 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,488Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: citigirl 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: 27 ( 75% ) 640-659 (Latest)
Principal borrowed: $4,000.00< 31 days late: 9 ( 25% )  
540-559 (Jun-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Clean up
Purpose of loan: Clean up debt
This loan will be used to...Clean up 2 accounts that I pay monthly but I want closed.

My financial situation: I feel I'm in ok standing, I have no car payment. so I can focus on this payment total. I want to pay these two cards off and close them and NEVER have another card again. I have a very low rent payment so that want come in the way.
I am a good candidate for this loan because... My drive is my child... It me and him, I'm a single mom by choice but it's tough. I want to clear this debt away so I can save better for him and I.


Monthly net income: $3200
Monthly expenses: $2600
Housing: $700
Insurance: $250
Car expenses: $300
Utilities: $150
Phone, cable, internet: $250
Food, entertainment: $300
Clothing, household expenses: $250
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504182
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): 4 First credit line: Sep-2006 Debt/Income ratio: 14%
Credit score: 620-639 (Apr-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:6y 4m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $494Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: green-asset-coup 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 / 1 On-time: 8 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
740-759 (Jul-2010)
 
Principal balance: $1,264.90 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Pay off high interest auto loan
Purpose of loan:
This loan will be used to pay off an existing 5 year auto loan that is currently at 30%

My financial situation: I have worked for Marriott Internation for 6 years and I am currently a Front Desk Manager at a suburban Maryland Property. I also receive a payment from the Veterans Affairs of $1218.00/month for an issue with my arm/shoulder when I got out of the military. I live at home with my parents with no plans to move out and pay no bills except my cell, car, and car insurance.

I am a good candidate for this loan because I have a good history paying my payments on prosper and have an extremely low debt:income ratio.

Monthly net income: $6000
Monthly expenses: $200
Housing: $0
Insurance: $80
Car expenses: $200
Utilities: $0
Phone, cable, internet: $55
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504200
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: E Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 14.70%  
Term: 12 months  
 
Lender yield: 25.69% Borrower rate/APR: 26.69% / 35.84% Monthly payment: $335.53
 
Lender servicing fee: 1.00% Effective Yield*: 24.52%  
Estimated return*: 9.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:14y 3m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,433Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: No  
Screen name: reinforced-wealth7 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Manager
Purpose of loan:
This loan will be used to...take care of some bills

My financial situation:
I am a good candidate for this loan because...my credit score is not
bad


Monthly net income: $2,910.66


Monthly expenses: $vary but around $2,700.00
Housing: $300.00 monthly
Insurance: $2200.00 annually
Car expenses: $0
Utilities: $1000.00 annually
Phone, cable, internet: $145.00 monthly
Food, entertainment: $ 350.00 monthly
Clothing, household expenses: $200.00 monthly
Credit cards and other loans: $600.00 monthly
Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504206
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*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $221.57
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1992 Debt/Income ratio: 17%
Credit score: 760-779 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 4 / 4Length of status:18y 2m
Amount delinquent: $565 Total credit lines: 19 Occupation: Administrative Assi...
Public records last 12m / 10y: 2/ 2 Revolving credit balance: $683Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: Yes  
Screen name: productive-money786 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
mlshep
Purpose of loan:
This loan will be used to...pay off some payday loans.and to pay off a credit card.

My financial situation:
I am a good candidate for this loan because i have a fulltime job am a hard worker need to cut the intrest on these payday loans..


Monthly net income: $4000.oo
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $ 50.00
Other expenses: $ 2000.00 contridute to household bills monthly
Information in the Description is not verified.