Listing Report:Supplement No. 23 dated Apr 28, 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 496017
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Sep-2000 Debt/Income ratio: 51%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 9Length of status:5y 1m
Amount delinquent: $350 Total credit lines: 23 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,835Stated income:$1-$24,999
Delinquencies in last 7y: 7 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: bill-splendor Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
auto loan
Purpose of loan: auto
This loan will be used to... need a vehicle for work

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

Monthly net income: $ 1600
Monthly expenses: $ 70.00 phone bill
Housing: $ 0
Insurance: $ 0
Car expenses: $ 0
Utilities: $ 0
Phone, cable, internet: $ 70.00
Food, entertainment: $ 200.00
Clothing, household expenses: $ 0
Credit cards and other loans: $ minimal, have one card with 500.00 on it
Other expenses: $ no other expenses i dont have any major purchases or any high credit item that i am paying for
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503973
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: A Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 9.40% Borrower rate/APR: 10.40% / 12.51% Monthly payment: $129.82
 
Lender servicing fee: 1.00% Effective Yield*: 9.38%  
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): 9 First credit line: Aug-1995 Debt/Income ratio: 8%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:4y 11m
Amount delinquent: $0 Total credit lines: 15 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,889Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: liberty-announcer9 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
New roof with New Solar Panels!
Purpose of loan:
This loan will be used to assist in adding new roof, energy saving upgrades and a new 3KW solar system to my home.

My financial situation:
I am a good candidate for this loan because I have significant net cash flow after fixed expenses and defined necessary variable living expenses such as food, transportation, and utilities. The upgrade (solar panels) should offset on average ~ $60 monthly based on size and region or 46% of the monthly cost of this loan.

The analysis of the solar panel payback comes in 4-6 years depending on inflation assuming all the rebates, federal tax credits, and state tax credits are paid.

Thanks for your support
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504003
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: Dec-1989 Debt/Income ratio: 35%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 6 / 5Length of status:1y 3m
Amount delinquent: $647 Total credit lines: 34 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $231Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: Scorpio1970 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 72 ( 99% ) 660-679 (Latest)
Principal borrowed: $17,000.00< 31 days late: 1 ( 1% )  
740-759 (Apr-2010)
660-679 (Jun-2008)
600-619 (Mar-2008)
640-659 (Sep-2007)
 
Principal balance: $5,566.16 31+ days late: 0 ( 0% )
Total payments billed: 73  
Description
Property Taxes - 4th Prosper Loan
Purpose of loan: If funded this loan will be used to pay property taxes that we were fighting as we did not recieve the homestead credit. If I don't get these taxes paid we will lose our home. I just paid off my second prosper loan which was 212.26 per month and I know I will fulfill this loan as well if funded.

My financial situation:
I am a good candidate for this loan because I have stayed true to Prosper and don't intend to change my ways now. Prosper has been my life line and I want to thank any and all lenders current and past for having faith in me.

Monthly net income: $2,200, Spouse $2,000
Monthly expenses: $3,000 (including this loan)
Housing: $727.00
Insurance: $226.00 quarterly
Car expenses: $150.52 (Insurance Only)
Utilities: $300.00
Phone, cable, internet: $250.00
Food, entertainment: $500.00
Clothing, household expenses: $200.00
Credit cards and other loans: $316.65 (Prosper), 147.02 (Spouse Small loan), 40.00 (CC)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504123
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 10.80%  
Term: 12 months  
 
Lender yield: 22.99% Borrower rate/APR: 23.99% / 33.08% Monthly payment: $378.22
 
Lender servicing fee: 1.00% Effective Yield*: 22.43%  
Estimated return*: 11.63%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Aug-1993 Debt/Income ratio: 7%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:4y 3m
Amount delinquent: $657 Total credit lines: 54 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $299Stated income:$100,000+
Delinquencies in last 7y: 11 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: first-platinum-goat 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
Solid investment - quick return
Purpose of loan: Consolidate debt
This loan will be used to...Pay-off a credit card

My financial situation:
I am a good candidate for this loan because - I worked for a Fortune 500 company for 8 years - after the divorce I have been working for a great company for 5 years. I am a Director of Development and have great references. I just need a little help.
I had over an 800 credit rating before the divorce but things happen and now I am just getting back on my feet. I am a solid moral person that will work hard to get this loan paid off.


Monthly net income: $ 7800
Monthly expenses: $ see below
Housing: $ 1950.00 monthly
Insurance: $ 100 monthly
Car expenses: $ 345 monthly
Utilities: $ 80 monthly
Phone, cable, internet: $ 200 monthly
Food, entertainment: $ 600 monthly
Clothing, household expenses: $ 300 monthly
Credit cards and other loans: $ 600 monthly
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504241
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $7,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-1995 Debt/Income ratio: 35%
Credit score: 700-719 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 7Length of status:28y 3m
Amount delinquent: $0 Total credit lines: 37 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,383Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: red-alluring-payout Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal Loan Requested
Purpose of loan:
Personal

My financial situation:
I am a good candidate for this loan because I have good credit..on job for 28 yrs and no payments on accounts have been late. Mortgage 10 years and never late, car note 5 years never late, 3 months paid off.


Monthly net income: $3800.00
Monthly expenses: $2300.00
Housing: $918.00
Insurance: $2200 annually (paid quarterly)
Car expenses: $640 (3 more payments left)
Utilities: $180.00
Phone, cable, internet: $70.00
Food, entertainment: $100.00
Clothing, household expenses: $100.00
Credit cards and other loans: $300.00
Other expenses: $----
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504293
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $22,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $22,000 Estimated loss*: 3.50%  
Term: 60 months  
 
Lender yield: 12.40% Borrower rate/APR: 13.40% / 14.77% Monthly payment: $505.08
 
Lender servicing fee: 1.00% Effective Yield*: 12.37%  
Estimated return*: 8.87%  
* 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): 9 First credit line: Oct-1996 Debt/Income ratio: 19%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 14 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,387Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: dinero-lesson7 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
...and then we had twins.
Purpose of loan:
This loan is intended to pay off several credit cards and medical debt incurred while caring for premature twins.

My financial situation:
I am a husband and father of three children with a dependent in-law. I am the sole employed member of my family and am working towards lowering my monthly payments and closing out several long running accounts.

I have been steadily employed as a software developer for the last decade and have been with my current employer for four and a half years. I own my own home and have never missed a payment.


Thank you for your time and consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504305
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*: 5.95%  
Term: 36 months  
 
Lender yield: 13.99% Borrower rate/APR: 14.99% / 17.16% Monthly payment: $155.97
 
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: Apr-2000 Debt/Income ratio: Not calculated
Credit score: 760-779 (Apr-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 16 / 11Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 39Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $148 
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: pledge849 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
Loan
Purpose of loan:
This loan will be used to...

My financial situation:
Use to pay off a childs debt.


Monthly net income: $2000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504307
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 6.99% Borrower rate/APR: 7.99% / 8.33% Monthly payment: $375.98
 
Lender servicing fee: 1.00% Effective Yield*: 6.99%  
Estimated return*: 5.44%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jul-1994 Debt/Income ratio: 12%
Credit score: 820-839 (Apr-2011) Inquiries last 6m: 2Employment status:Other
Now delinquent: 4 Current / open credit lines: 12 / 11Length of status:2y 3m
Amount delinquent: $630 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $798Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: Yes  
Screen name: palm7 Borrower's state: Delaware 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 LOAN
Purpose of loan:
This loan will be used to...buy a car from a friend. It turns out it's difficult to get a car loan unless it's being finance through a dealer. In fact, virtually no lenders are providing these any more.

My financial situation:
I am a good candidate for this loan because...My credit score is over 800. My annual income is about average for a 69 year old retiree, about 80K per year. I get social security, two pensions, and some investment income and literally have no debt but my mortgage.

I have over 150K in investments and money in the bank, but that's where I'd like to leave it, it's either tied up in something that's going to cost me a penalty to withdraw early (CD's, etc.) or in stocks and mutual funds which have doubled over the past 3 years or so.

Thank you, it is a nice car and good deal.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504323
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: $6,500 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): 6 First credit line: Feb-2002 Debt/Income ratio: 27%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:12y 11m
Amount delinquent: $0 Total credit lines: 13 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,455Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: plastics 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 16 ( 100% ) 680-699 (Latest)
Principal borrowed: $8,500.00< 31 days late: 0 ( 0% )  
700-719 (Jan-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 16  
Description
My personal loan for my business
Purpose of loan:
This loan will be used to purchase the tooling and equipment needed to produce a product I have designed for the wire and cable industry.

My financial situation:
I am a good candidate for this loan because I have invested many hours developing the product, getting feedback from key buyers in the industry. With this product, I can generate approximately $800,000 in sales annually and obtain approximately 10% of the marketshare.

Monthly net income: $3,250 Monthly expenses: $
??Housing: $810 (own my own home)
??Insurance: $65
??Car expenses: $297
??Utilities: $250
??Phone, cable, internet: $0
??Food, entertainment: $300
??Clothing, household expenses $50
??Credit cards and other loans: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504331
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-2000 Debt/Income ratio: 43%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $14,094Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: first-productive-value Borrower's state: Alaska Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home repair
Purpose of loan:
This loan will be used to...to repair the mold in the bathroom/laundry room

My financial situation:
I am a good candidate for this loan because i am committed to my job and being able to meet my financial obligations.


Monthly net income: $24,000
Monthly expenses: $1000
Housing: $400
Insurance: $111.00
Car expenses: $390.00
Utilities: $80
Phone, cable, internet: $150
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504337
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*: 10.80%  
Term: 12 months  
 
Lender yield: 22.99% Borrower rate/APR: 23.99% / 33.08% Monthly payment: $189.11
 
Lender servicing fee: 1.00% Effective Yield*: 22.43%  
Estimated return*: 11.63%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1995 Debt/Income ratio: 7%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 4 Current / open credit lines: 3 / 3Length of status:5y 2m
Amount delinquent: $503 Total credit lines: 10 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $495Stated income:$25,000-$49,999
Delinquencies in last 7y: 16 Bankcard utilization: 36%  
   Homeownership: No  
Screen name: fair-deal988 Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
auto repairs
Purpose of loan: I need to repair the family auto
This loan will be used to..pay off debts and repair the family car.

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

Monthly net income: $5000
Housing: $1500
Insurance: $350
Car expenses: $250
Utilities: $225
Phone, cable, internet: $125
Food, entertainment: $300
Clothing, household expenses: $250
Credit cards and other loans: $never carry a balance .paid immediately
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504349
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 10.80%  
Term: 60 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 31.42% Monthly payment: $476.04
 
Lender servicing fee: 1.00% Effective Yield*: 27.29%  
Estimated return*: 16.49%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: May-1994 Debt/Income ratio: 29%
Credit score: 760-779 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 19Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 60 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $40,763Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: investment-wildcat6 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off taxes
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499448
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: $9,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 3.50%  
Term: 60 months  
 
Lender yield: 12.40% Borrower rate/APR: 13.40% / 14.77% Monthly payment: $218.10
 
Lender servicing fee: 1.00% Effective Yield*: 12.37%  
Estimated return*: 8.87%  
* 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): 9 First credit line: Oct-1996 Debt/Income ratio: 13%
Credit score: 820-839 (Apr-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:4y 9m
Amount delinquent: $0 Total credit lines: 36 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,791Stated income:$100,000+
Delinquencies in last 7y: 2 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: unafraid-money5 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
I have cash and need another $9,000 to pay off the mortgage on an Investment property that I own. I have no other loans on the property, and after I payoff the mortgage, I will own it free and clear and only need to pay off this 9k loan.

My financial situation:
I am a good candidate for this loan because I pay my bills. I have worked at my job for 5 years and I make 115k a year. This property is also in a good location and is easy to keep rented.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503720
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: $3,500 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: Mar-1988 Debt/Income ratio: 11%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 3 / 4Length of status:17y 6m
Amount delinquent: $9,943 Total credit lines: 20 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $906Stated income:$50,000-$74,999
Delinquencies in last 7y: 19 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: the-coin-bandit 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
Becoming credit card free
Purpose of loan:
This loan will be used to pay off credit card debt that had accrued from going through a divorce.

My financial situation:
I am a good candidate for this loan because my income has increased and my debt that I owe has decreased. I am diligently pursuing a debt free life. I also hope to better my credit score by paying off my credit card debt.


Monthly net income: $3000.00
Monthly expenses: $2500.00
Housing: $1400.00
Insurance: $100.00
Car expenses: $400.00
Utilities: $150.00
Phone, cable, internet: $100.00
Food, entertainment: $200.00
Clothing, household expenses: $50
Credit cards and other loans: $
Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504304
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: $3,250.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,275 Estimated loss*: 9.80%  
Term: 12 months  
 
Lender yield: 18.99% Borrower rate/APR: 19.99% / 29.00% Monthly payment: $301.05
 
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: Aug-1998 Debt/Income ratio: 14%
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
Daughter's Braces
Purpose of loan:
This loan will be used to help pay for my daughter's braces.

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. I will pay this loan off early similar to the previous prosper loan.

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 504310
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 4.95%  
Term: 60 months  
 
Lender yield: 13.99% Borrower rate/APR: 14.99% / 16.38% Monthly payment: $356.77
 
Lender servicing fee: 1.00% Effective Yield*: 13.77%  
Estimated return*: 8.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-1988 Debt/Income ratio: 13%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 26 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $106,993Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: green-glowing-gain Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 3 ( 100% ) 740-759 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
740-759 (Jan-2011)
760-779 (Dec-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 3  
Description
Debt Consolidation and Investments
Purpose of loan:

The purpose of this loan is to further solidify my family's finance by consolidating the higher interest line of credit and debt, reducing the monthly payment to something reasonable, while enabling my family to save more for the quality investments.

My financial situation:

I recently changed my job to an IT management with a solid company with $135,00/year. My wife has solid job with a solid Fortune 500 company with $63,000/year. We also have two investment properties that are producing positive cash flow of $43,000/year. Other than about $96,000 of HELOC, we can certain manage all of the financial obligations.

Breakdown of our finances:

Monthly net income: $ 18,800
Monthly expenses: $ 3,200
Housing: $ 4,300
Insurance: $ 780
Car expenses: $ 225
Utilities: $ 320
Phone, cable, internet: $ 200
Food, entertainment: $ 800
Clothing, household expenses: $ 230
Credit cards and other loans: $ 1680
Other expenses: $ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504340
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.99% Borrower rate/APR: 14.99% / 17.16% Monthly payment: $242.62
 
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: Feb-2002 Debt/Income ratio: 12%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 12 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,548Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: eternity0406 Borrower's state: DistrictOfColumbia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan:
This loan will be used to...remodel the full bathroom

My financial situation:
I am a good candidate for this loan because...I have 700+ FICO


Monthly net income: $3500
Monthly expenses: $635 (see below including car expenses, etc...)
Housing: $0
Insurance: $0
Car expenses: $25
Utilities: $160
Phone, cable, internet: $25
Food, entertainment: $300
Clothing, household expenses: $50
Credit cards and other loans: $75
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504346
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 3.50%  
Term: 60 months  
 
Lender yield: 12.40% Borrower rate/APR: 13.40% / 14.77% Monthly payment: $275.50
 
Lender servicing fee: 1.00% Effective Yield*: 12.37%  
Estimated return*: 8.87%  
* 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): 9 First credit line: Feb-1992 Debt/Income ratio: 18%
Credit score: 800-819 (Apr-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:17y 11m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,115Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 19%  
   Homeownership: Yes  
Screen name: receptive-credit514 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Loan
Purpose of loan: Finish my basement
This loan will be used to...Finish my basement

My financial situation: is very good
I am a good candidate for this loan because... I alway pay my bills and never missed a payment
Information in the Description is not verified.