Listing Report:Supplement No. 25 dated Apr 29, 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 500479
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: $3,400.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,380 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $148.07
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-1981 Debt/Income ratio: 39%
Credit score: 700-719 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:35y 1m
Amount delinquent: $0 Total credit lines: 35 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $17,749Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: established-market9 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
?
Purpose of loan: pay off credit cards
This loan will be used to...

My financial situation: mid usa credit union. I am a good candidate for this loan because... because i pay my bills on time and will pay this loan back.


Monthly net income: $3574 me, 700 other & 2300 other total $6574
Monthly expenses: $
Housing: $1291.
Insurance: $1940. year
Car expenses: $313.70
Utilities: $220.00
Phone, cable, internet: $189.00
Food, entertainment: $200.00
Clothing, household expenses: $50.00 ?
Credit cards and other loans: $942.00
Other expenses: $95.50 insurance on car and will be paid off in nov.2011
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503755
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*: 10.00%  
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*: 10.48%  
* 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: 14%
Credit score: 620-639 (Apr-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:0y 8m
Amount delinquent: $5,785 Total credit lines: 11 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,371Stated income:$25,000-$49,999
Delinquencies in last 7y: 18 Bankcard utilization: 16%  
   Homeownership: No  
Screen name: daman994 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: 1 / 2 On-time: 33 ( 94% ) 620-639 (Latest)
Principal borrowed: $4,000.00< 31 days late: 2 ( 6% )  
720-739 (Sep-2010)
700-719 (Feb-2008)
 
Principal balance: $2,488.89 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Rebuilding Credit
Purpose of loan:
This loan will be used to rebuild credit by adding good payment history and age to my accounts.

My financial situation:
No missed payments for last 3yrs on any credit account held.


Monthly net income: $2500
Monthly expenses: $1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503885
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: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $87.10
 
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): 6 First credit line: Sep-1993 Debt/Income ratio: 32%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:17y 8m
Amount delinquent: $0 Total credit lines: 38 Occupation: Military Officer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $35,976Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: No  
Screen name: agreement-attraction5 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
Quince15
Purpose of loan: This loan will be used to cover expenses of daughter's quincenera

My financial situation: I am a good candidate for this loan because I have permanent employment as an army officer and a good credit score
Monthly net income: $11,456
Monthly expenses:
Housing: $2250
Insurance: $130
Car expenses: $680
Utilities: $250
Phone, cable, internet: $250
Food, entertainment: $700
Clothing, household expenses: $1000
Credit cards and other loans: $2000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504231
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 19.42% Monthly payment: $380.82
 
Lender servicing fee: 1.00% Effective Yield*: 16.71%  
Estimated return*: 10.76%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1994 Debt/Income ratio: 16%
Credit score: 800-819 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 24 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,628Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: Yes  
Screen name: blue-sunny-worth 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
IT Pro - Debt Consolidation
Purpose of loan:
This loan will be used to consolidate some high interest loans. I will be using my money that I have saved up to pay half of the loan and use this to pay off the rest. This loan will help me save over $6K a year and will allow me and my family to save for our future.

My financial situation:
I am a good candidate for this loan because I have a very secure job with a large company which I've been working at for almost 4 years as full time salary IT professional (QA Analyst) and before was 4 years consultant; over 8 years total. I'm married and my spouse?s income will help pay the loan. I always pay my bills on time and I have an 814 Experian score. I have other funds that can be used in a pinch; like ROTH IRA, 401K, various stocks; that I have been investing for over 10 years.

Yearly Salary: $71,000
Monthly net income: $5,917
Housing: $1,200
Insurance: $100
Car expenses: $380
Utilities: 140
Internet: $20
Food, entertainment: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504391
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: B Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.99% Borrower rate/APR: 14.99% / 17.16% Monthly payment: $138.64
 
Lender servicing fee: 1.00% Effective Yield*: 13.75%  
Estimated return*: 7.80%  
* 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-1986 Debt/Income ratio: 8%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 13 / 11Length of status:2y 8m
Amount delinquent: $873 Total credit lines: 18 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,695Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: red-dollar-seagull 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
to pay bill off and relocate after
Purpose of loan to pay off bill and to be able to move after living in the same place for over 30 years, My financial situation:
I am a good candidate for this loan because...That I go to work every day and put in a 9 to 12 hour day also that I go get a check from Social security every month


Monthly net income: $4000.00 average
Monthly expenses: $2675.00Housing: $1025.00Insurance: $200.00
Car expenses: $
Utilities: $75.00
Phone, cable, internet: $400.00
Food, entertainment: $450.00
Clothing, household expenses: $125..00
Credit cards and other loans: $250.00.

Other expenses: $150.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504415
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 8.70%  
Term: 60 months  
 
Lender yield: 21.49% Borrower rate/APR: 22.49% / 24.76% Monthly payment: $418.47
 
Lender servicing fee: 1.00% Effective Yield*: 20.98%  
Estimated return*: 12.28%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: May-1994 Debt/Income ratio: 24%
Credit score: 820-839 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:10y 1m
Amount delinquent: $0 Total credit lines: 36 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,838Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 21%  
   Homeownership: Yes  
Screen name: hope-whistle2 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
Telecom Pro - Debt Consolidation
Purpose of loan:
This loan will be used to pay off a high interest loan. My savings yearly in interest will allow my family to save for college for our children.

My financial situation:
I am a good candidate for this loan because my financial situation is stable, making me a low-risk candidate. Experian score is 820. I have a very stable job (10 years) as a Telecom senior manager with a company that has survived the recession and is constantly raising it?s profit margins.

Yearly Salary: $77,000
Monthly net income: $6,417
Monthly expenses:
Housing: $2,300
Insurance: $130
Car expenses: $500
Utilities: 125
Internet/phone: Company provided
Food, entertainment: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504463
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: A Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 3.80%  
Term: 12 months  
 
Lender yield: 8.70% Borrower rate/APR: 9.70% / 15.49% Monthly payment: $219.44
 
Lender servicing fee: 1.00% Effective Yield*: 8.68%  
Estimated return*: 4.88%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jan-1993 Debt/Income ratio: Not calculated
Credit score: 800-819 (Apr-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 25Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $457 
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: Yes  
Screen name: adorable-ore8 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
Relocated for Work
Purpose of loan:
Quick move for a new job so I need some quick cash to settle in.

My financial situation:
I have good credit and pay my bills on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504465
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*: 20.30%  
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*: 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): 2 First credit line: May-1995 Debt/Income ratio: 40%
Credit score: 700-719 (Apr-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 22 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,531Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: elated-deal3 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
Loan for Energy Drink Company
This loan will be used to help purchase packaging and design services for my energy drinks company. I have spent 8,000 hours and invested more than $30,000 to formulate and flavor the best non-carbonated energy shots on the market. My product packaging is striking and the drinks are amazingly effective. Your investment will be used wisely and respectfully.

My finances
I am a good candidate for this loan because we have been budgeting between $600 and $1,500 per month for the last two years. Presently, we have been budgeting $600/month; upon receipt of the loan, we will simply reducing our budget by the amount of the loan payment. My expenses are listed at 1/2 the total since I split the with my finace.

Monthly net income: $2,450
Monthly expenses:
Housing: $550
Insurance: $60
Car: $255
Utilities: $150
Phone & Cable: $160
Food: $200
Clothing, household expenses: $50
Credit cards and other loans: $210
Other expenses: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504467
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: $15,000 Estimated loss*: 11.20%  
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*: 16.09%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1991 Debt/Income ratio: 26%
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 33 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,766Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: cash-flute5 Borrower's state: Nebraska 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
Taxes and Tuition
Purpose of loan:
This loan will be used to pay taxes, and tuition for my daughter.
My financial situation:
I am a good candidate for this loan because I have assets in retirement accounts in multiples in excess of the request.


Monthly net income: $9000
Monthly expenses: $
Housing: $1800
Insurance: $233
Car expenses: $252
Utilities: $170
Phone, cable, internet: $290
Food, entertainment: $1100
Clothing, household expenses: $100
Credit cards and other loans: $2000
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504475
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: A Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 9.40% Borrower rate/APR: 10.40% / 12.51% Monthly payment: $324.55
 
Lender servicing fee: 1.00% Effective Yield*: 9.37%  
Estimated return*: 5.57%  
* 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): 9 First credit line: Mar-1993 Debt/Income ratio: 13%
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 5 / 5Length of status:4y 4m
Amount delinquent: $11,226 Total credit lines: 25 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,684Stated income:$75,000-$99,999
Delinquencies in last 7y: 4 Bankcard utilization: 11%  
   Homeownership: Yes  
Screen name: new-sublime-diversification 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
NJDeals.com, a daily deal website
NJDeals.com is a daily deal website that is primarily marketed towards the New Jersey consumer. With over 8,000,000+ residents in the state of New Jersey, the site is set to capture a major portion of the New Jersey daily deal marketplace.

This loan will be used as marketing capital for brand awareness & development, and for general working capital needs. The website has already been developed and is in proper working order (see www.njdeals.com).

The initial marketing campaign consists of the following: (1) a SEO & SEM campaign; (2) a direct mail initiative; (3) implementation of telemarketing services; and (4) a co-branding assessment with local print and media companies.

I am a good candidate for this loan because I have a clearly defined marketing strategy for the site. I have a proven track record in executing marketing plans, and I sincerely believe I can progress the growth rate of the site.

Lastly, I have an excellent financial track record in repaying loans.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504479
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.99% Borrower rate/APR: 14.99% / 17.16% Monthly payment: $173.30
 
Lender servicing fee: 1.00% Effective Yield*: 13.75%  
Estimated return*: 7.80%  
* 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: Nov-1999 Debt/Income ratio: 13%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:10y 0m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,040Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: spry-kindness3 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
car repair
Purpose of loan:
This loan will be used to... Repair braking system on a Mercedes-Benz

My financial situation:
I am a good candidate for this loan because...
I have regularly been on time with bills, as my credit file indicated

Monthly net income: $6200
Monthly expenses: $4400
Housing: $1200
Insurance: $200
Car expenses: $
Utilities: $200
Phone, cable, internet: $400
Food, entertainment: $400
Clothing, household expenses: $300
Credit cards and other loans: $1000
Other expenses: $ 650
childs private school tuition
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504487
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*: 13.00%  
Term: 36 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 32.58% Monthly payment: $146.65
 
Lender servicing fee: 1.00% Effective Yield*: 26.71%  
Estimated return*: 13.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Feb-1995 Debt/Income ratio: 95%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 18Length of status:12y 4m
Amount delinquent: $0 Total credit lines: 36 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $18,714Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: Yes  
Screen name: a-nourishing-moola 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: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
680-699 (Jun-2010)
 
Principal balance: $2,809.76 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Sons Car
Purpose of loan:
As a down payment for my son's car

My financial situation:
I am a good candidate for this loan because I am a full time employee at Miami Dade and will be capable of paying this back and since this is for my son he will also contribute a portion to pay back this loan. I already have a loan with prosper and i have successfully paid a year into my loan.


Monthly net income: $4800
Monthly expenses: $
Housing: $1300
Insurance: $ 357
Car expenses: $ 0
Utilities: $ 300
Phone, cable, internet: $ 100
Food, entertainment: $ 50
Clothing, household expenses: $ 50
Credit cards and other loans: $ 200
Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504493
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*: 1.95%  
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*: 5.04%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Apr-1998 Debt/Income ratio: 11%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,637Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: No  
Screen name: mindful-power1 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
First step to be DEBT FREE
Purpose of loan:
This loan will be used as a first step in my plan to be DEBT FREE. It shall be used to consolidate my higher interest cards and make a more reasonable monthly payment.

My financial situation:
I am a good candidate for this loan because I have excellent credit, no delinquent accounts, pay ALL my debts on time and in full. A new job has afforded me the opportunity to have a steady income that I can finally use to get rid of my debt.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502394
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: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 2.60%  
Term: 36 months  
 
Lender yield: 7.29% Borrower rate/APR: 8.29% / 10.38% Monthly payment: $314.70
 
Lender servicing fee: 1.00% Effective Yield*: 7.28%  
Estimated return*: 4.68%  
* 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: Sep-1994 Debt/Income ratio: 18%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 11Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 42 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $181,644Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: AiriusTorpora 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 25 ( 100% ) 740-759 (Latest)
Principal borrowed: $25,000.00< 31 days late: 0 ( 0% )  
720-739 (Apr-2009)
720-739 (Sep-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Take Care of a Couple CCs
Purpose of loan:
This loan will be used to pay off the couple balances I have that are 19.99% on my credit card lines. Most of my promo balances were until paid in full but a couple were not.

My financial situation:
I am a good candidate for this loan because my payment history is spotless and this will keep my payments about the same but lower interest, therefor it will be paid off in a shorter period of time. I have been paying down debt for the past 3 years successfully and previously had a prosper loan for $25000 and it was PIF with no lates.

Monthly take-home after investment in stock plan, 401k, etc: $5400
Mortgage: $1225 (wife pays)
2nd: $450 (wife pays)
Groceries: $600
Utilities: $600
Various Insurance (disability, auto, hazard): $370
Life Insurance ($1.8M big cash value VAR policy): $530
Property Tax: $300
Debt Service: $1200 (this will stay level with this loan)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502942
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: B Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.99% Borrower rate/APR: 14.99% / 17.16% Monthly payment: $138.64
 
Lender servicing fee: 1.00% Effective Yield*: 13.75%  
Estimated return*: 7.80%  
* 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-2007 Debt/Income ratio: 6%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 4 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $919Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: No  
Screen name: logical-fairness6 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.
Description
Auto
Purpose of loan:
This loan will be used to...
help with the purchase of a car.
My financial situation:
I am a good candidate for this loan because...
I have a steady job and expect to quickly pay off this loan.

Monthly net income: $2,600
Monthly expenses: $880
Housing: $0
Insurance: $60
Car expenses: $240
Utilities: $110
Phone, cable, internet: $120
Food, entertainment: $200
Clothing, household expenses: $150
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503670
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*: 11.20%  
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*: 16.09%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-2008 Debt/Income ratio: 36%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 6 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,881Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: diversification-bopper 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
tia_406
Purpose of loan:
This loan will be used to... pay off some credit cards and my car not and insurance and some extra money so my debt will be paid off and all my bills will be in one payment.

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

Monthly net income: $1390
Monthly expenses:
Housing: $
Insurance: $211
Car expenses: $205
Utilities: $75
Phone, cable, internet: $136
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $4398.68
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504222
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: D Listing Duration: 14 days
Minimum Amount to Fund: $9,500 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $382.71
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Feb-1989 Debt/Income ratio: 30%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 46 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 9 Revolving credit balance: $17,465Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: payout-amigo0 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.
Description
Additional Start-up Funding
Purpose of loan:
Purchase Equipment; 2007 Heavy Duty Semi Tractor / Trailer

My financial situation:
Current contract agreement with company is as "employee" @ .38 per mile providing approx $5600.00 monthly personal income. Contract for dedicated route (Indianapolis/Denver/Salt Lake City/Idaho Falls/ Indianapolis) pays $6000.00 wk / $24,000 mo. gross. I would like to take over this route as an owner-operator vice company employee. After expenses, equipment and ins. costs net personal / business income has approx $6000.00 net profit.


Monthly net income: $5600.00 mo from employer / $1358.00 from USN Retirement.

Housing: $915.00
Insurance: $124.00
Car expenses: $640.00
Utilities: $225.00
Phone, cable, internet: $108.00
Food, entertainment: $800.00
Clothing, household expenses: $100.00
Credit cards and other loans: $607.00
Cell Phones: 157.00
Other expenses: None not covered above
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504228
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: B Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 4.95%  
Term: 36 months  
 
Lender yield: 10.99% Borrower rate/APR: 11.99% / 14.12% Monthly payment: $199.26
 
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: Jun-1997 Debt/Income ratio: 14%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:7y 7m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,790Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: No  
Screen name: nwfamily Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 740-759 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
720-739 (Jun-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off 3 different credit cards so that I may pay a much, much lower interest rate and be able to pay them off much sooner than at the current interest rate.

My financial situation:
I am a good candidate for this loan because I pay all of my bills on time and have already had one loan through prosper which I completely paid off. I am a government employee with over 7 yrs in my position having achieved a high seniority ranking.


Monthly net income: $2312
Monthly expenses: $2232
Housing: $987
Insurance: $101
Car expenses: $135
Utilities: $175
Phone, cable, internet: $134
Food, entertainment: $350
Clothing, household expenses: $75
Credit cards and other loans: $225
Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504234
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 18.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 10.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1982 Debt/Income ratio: 36%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 4Length of status:11y 1m
Amount delinquent: $316 Total credit lines: 11 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,644Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: newest-fearless-bonus Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Nana
Purpose of loan:
This loan will be used to...consolidate debts

My financial situation:
I am a good candidate for this loan because...I have a permanent job to pay back the loan and I have paid back other loans


Monthly net income: $1400
Monthly expenses:
Housing: $0
Insurance: $354
Car expenses: $80
Utilities: $250
Phone, cable, internet: $134
Food, entertainment: $250
Clothing, household expenses: $
Credit cards and other loans: $550
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504454
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: Jun-1999 Debt/Income ratio: 30%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 11Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,410Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: worth-upholder1 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 100% ) 680-699 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
760-779 (Dec-2009)
 
Principal balance: $4.14 31+ days late: 0 ( 0% )
Total payments billed: 15  
Description
General Debt Consolidation
Purpose of loan:
This loan will be used to...
Consolidate some high-interest debt I have
My financial situation:
I have never been late on a payment and I have adequate income to cover my debts. My credit scores are all above 700.
I am a good candidate for this loan because...
I have a full-time job in addition to a part-time job and can make the payments on this loan.


Monthly net income: $5400
Monthly expenses: $
Housing: $1081
Insurance: $120
Car expenses: $200
Utilities: $150
Phone, cable, internet: $150
Food, entertainment: $400
Clothing, household expenses: $300
Credit cards and other loans: $1000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504468
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: E Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 14.70%  
Term: 12 months  
 
Lender yield: 25.69% Borrower rate/APR: 26.69% / 35.84% Monthly payment: $527.26
 
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): 5 First credit line: Dec-2007 Debt/Income ratio: Not calculated
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 6 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,274Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: No  
Screen name: inspired-payment7 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
Clean Transportation
Purpose of loan:
This loan will be used to fill Order# 26018 Totaling in 11,963.68. I am buy a clean green electric motorcycle that will take me to work and school.

My financial situation:
I am a good candidate for this loan because I no longer will have to pay the high price of gas to fill up my car. This green electric motorcycle will pay for its self in the money I will save from gas. The loan I need is for half. I have already saved up half and only need help with the other half, which I plan to pay off by the end of this year.


Monthly net income: $ 2,400
Monthly expenses: $2,100
Housing: $525
Insurance: $175
Car expenses: $450
Utilities: $125
Phone, cable, internet: $125
Food, entertainment: $359
Clothing, household expenses: $125
Credit cards and other loans: $100
Other expenses: $25
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504472
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*: 13.00%  
Term: 36 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 32.58% Monthly payment: $167.60
 
Lender servicing fee: 1.00% Effective Yield*: 26.71%  
Estimated return*: 13.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Feb-1996 Debt/Income ratio: 125%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 18 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $14,764Stated income:$1-$24,999
Delinquencies in last 7y: 1 Bankcard utilization: 100%  
   Homeownership: No  
Screen name: gagirl716 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 51 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
640-659 (Dec-2009)
660-679 (Nov-2009)
620-639 (Jul-2008)
640-659 (Sep-2007)
 
Principal balance: $643.07 31+ days late: 0 ( 0% )
Total payments billed: 51  
Description
Clearing Debt
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2000.00
Monthly expenses: $1500.00
Housing: $250.00
Insurance: $200.00
Car expenses: $450.00
Utilities: $80.00
Phone, cable, internet: $100.00
Food, entertainment: $200.00
Clothing, household expenses: $100.00
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504474
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): 4 First credit line: May-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 14 Occupation: Student - College S...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,518Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: top-industrious-vigilance 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
Pay down debt
Purpose of loan:
This loan will be used to...Pay down debt

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses:
Utilities:
Phone, cable, internet:
Food, entertainment:
Clothing, household expenses:
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504480
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*: 20.30%  
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*: 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): 1 First credit line: Sep-1990 Debt/Income ratio: 38%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 11Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 18Length of status:15y 4m
Amount delinquent: $0 Total credit lines: 37 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,030Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: awe-inspiring-agreement1 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
Help my aging mother
Purpose of loan:
This loan will be used to remodel basement apartment for aging mother.

My financial situation:
I am a good candidate for this loan because I have never been late on a payment let alone been deliquent. I have always paid my bills. My debt to income ratio is high because of my mortgage but my husband pays the mortgage so acutally my debt to income ratio is 25%. I had recently paid off some debt in advance which didnt leave me much leftover when my mother needed to move in. I desperately want her to feel like this is her home and I want to remodel the basement into an apartment so it is her own space.

Monthly net income: $9000
Monthly expenses: $600
Housing: $3800 -husband pays
Insurance: $80
Car expenses: $740
Utilities: $200
Phone, cable, internet: $100
Credit cards and other loans: $900
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504484
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*: 11.20%  
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*: 16.09%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-2003 Debt/Income ratio: 29%
Credit score: 700-719 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 15 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,060Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: Yes  
Screen name: inspired-value9 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Renovations
Purpose of loan:
This loan will be used for....Kitchen remodel

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


Monthly net income: $4,500
Monthly expenses:
Housing: $880
Insurance: $110
Car expenses: $560
Utilities: $250
Phone, cable, internet: $65
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $135
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 504502
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 19.42% Monthly payment: $330.04
 
Lender servicing fee: 1.00% Effective Yield*: 16.69%  
Estimated return*: 10.74%  
* 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): 8 First credit line: Mar-1979 Debt/Income ratio: 16%
Credit score: 700-719 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 11 / 10Length of status:18y 2m
Amount delinquent: $14,924 Total credit lines: 31 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $18,985Stated income:$50,000-$74,999
Delinquencies in last 7y: 26 Bankcard utilization: 30%  
   Homeownership: Yes  
Screen name: return-zoo Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
madbasque
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...I can pay this loan off in two years with my deferred comp account. I have my deferred placed in a fixed rate like a savings account. I have $50,000 in my account right now. Guaranteed.


Monthly net income: $3000
Monthly expenses: $770
Housing: $500
Insurance: $0
Car expenses: $100
Utilities: $172
Phone, cable, internet: $126
Food, entertainment: $200
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.