Sales Report:Supplement No. 13 dated Jan 10, 2011 to Prospectus dated Dec 20, 2010
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Dec 20, 2010 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Dec 20, 2010 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series 484430
This series of Notes was issued and sold upon the funding of the borrower loan #46486, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 7 days
Partially Funded: no Estimated loss*: 14.20% Listing Start date:  Dec-20-2010 
Term: 36 months Listing End date:  Dec-22-2010 
 
Lender yield: 31.20% Borrower rate/APR: 32.20% / 35.86% Monthly payment: $327.49
 
Lender servicing fee: 1.00% Effective Yield*: 29.77%  
Estimated return*: 15.57%  
* 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: May-1986 Debt/Income ratio: 37%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 17 / 16Length of status:2y 11m
Amount delinquent: $520 Total credit lines: 66 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $32,643Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: Yes  
Screen name: generosity-mongoose464 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
Retired Navy Paying off bills
Purpose of loan:
This loan will be used to pay off several loans/credit cards.

My financial situation:
I am a good candidate for this loan because i have my Navy retirement and my Pay from my job. I am an honest person and do pay my bills.

Monthly net income: $ 7900

Monthly expenses: $
??Housing: $ 1050????
??Insurance: $
??Car expenses: $ 700
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $ 1500
??Other expenses: $
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
Q: what is the status of the delinquency? - BrothersInArmsLending
A: It is still behind but thats the first thing to go if i get this loan. I do make payments to them every month. (Dec-21-2010)
1 question & answer
Information in Questions and Answers is not verified
InvestorAmountInvestment Date (PT)
kulender$100.0012/20/2010 10:44:28 AM
Investoman$50.0012/20/2010 10:45:29 AM
paytonbrigadier$300.0012/20/2010 10:46:53 AM
teller$25.0012/20/2010 10:49:30 AM
greenback-guard$25.0012/20/2010 10:53:55 AM
a-finance-nirvana$25.0012/20/2010 10:50:21 AM
108lender$150.0012/20/2010 10:54:46 AM
green-thoughtful-yield$100.0012/20/2010 2:23:54 PM
graceful-investment$100.0012/20/2010 3:04:37 PM
money-bauble$100.0012/20/2010 3:29:35 PM
inspiring-reward$150.0012/20/2010 3:04:50 PM
reward-adventure$50.0012/20/2010 4:49:06 PM
investment-star$50.0012/20/2010 10:37:25 PM
radiant-loan5$50.0012/20/2010 11:52:01 PM
reflective-rupee$300.0012/21/2010 12:01:03 AM
Palacios$50.0012/20/2010 11:40:23 PM
golath24$50.0012/21/2010 4:34:59 AM
extraordinary-transaction$25.0012/21/2010 7:09:28 AM
heerzaquestion$50.0012/21/2010 7:12:32 AM
hopeful-truth5$100.0012/21/2010 7:43:10 AM
washboard1$25.0012/21/2010 9:49:47 AM
GoVegan$25.0012/21/2010 10:18:44 AM
green-moola-sniffer$50.0012/21/2010 10:55:03 AM
lendstats_com$200.0012/21/2010 10:32:19 AM
abnvette$25.0012/21/2010 11:15:43 AM
restech$25.0012/21/2010 11:55:51 AM
J-Rott$300.0012/21/2010 12:43:44 PM
knowledgeable-silver8$25.0012/21/2010 12:11:13 PM
decisive-dough$25.9912/21/2010 2:12:33 PM
income-sage9$25.0012/21/2010 2:49:06 PM
bold-productive-wampum$25.0012/21/2010 3:33:45 PM
wlm3012$25.0012/21/2010 4:10:30 PM
platinum-oath0$25.0012/21/2010 5:10:38 PM
money-yeller$25.0012/21/2010 5:11:02 PM
loss-of-control$50.0012/21/2010 4:31:36 PM
open-minded-fund9$50.0012/21/2010 6:35:31 PM
wampum-chorus3$64.2912/21/2010 5:36:54 PM
CommunityArts_Non-profit$25.0012/21/2010 6:54:57 PM
cbvcsf$44.6312/21/2010 7:29:41 PM
escharfer$25.0012/21/2010 8:12:37 PM
loan_doctor$25.0012/21/2010 8:57:30 PM
GCInvestments$25.0012/21/2010 11:26:55 PM
vontuse$25.0012/22/2010 1:44:02 AM
Coppercanyon$50.0012/21/2010 8:01:23 PM
agiovasil$25.0012/22/2010 2:16:40 AM
worth-arch$25.0012/22/2010 2:17:26 AM
treasure-bliss$41.1012/22/2010 2:17:58 AM
FeedTheMachine$50.0012/22/2010 2:18:56 AM
the-profit-oracle$25.0012/22/2010 2:18:09 AM
bid-papyrus$25.0012/22/2010 2:19:00 AM
suave-dime6$25.0012/22/2010 2:28:01 AM
nicklds$25.0012/21/2010 10:46:44 PM
KiwiElf$30.0012/22/2010 1:33:47 AM
yertle9$25.0012/22/2010 2:01:25 AM
buyrite334$25.0012/22/2010 2:12:33 AM
assetmanager$25.0012/22/2010 6:42:10 AM
economy-producer$25.0012/22/2010 2:18:43 AM
bluehen00$50.0012/22/2010 6:55:07 AM
WonByOne$25.0012/22/2010 4:32:28 AM
mikenzane$50.0012/22/2010 8:09:59 AM
competent-p2p$75.0012/22/2010 8:23:11 AM
shrewd-value$25.0012/22/2010 8:30:39 AM
cropdust3r$25.0012/22/2010 8:47:49 AM
corporatejim$39.7512/22/2010 9:32:48 AM
squarebob$25.0012/22/2010 9:02:32 AM
calinno2$25.0012/22/2010 7:05:42 AM
RyanM561$25.0012/22/2010 10:13:24 AM
cybernosha$25.0012/22/2010 9:46:40 AM
rustysailor$30.0012/22/2010 9:44:41 AM
ore-dojo$25.0012/22/2010 10:06:19 AM
secureincome$697.6312/22/2010 10:37:40 AM
SNH$100.0012/20/2010 10:47:15 AM
power-trophy7$50.0012/20/2010 10:48:20 AM
newest-generous-income$25.0012/20/2010 10:50:42 AM
rss197$25.0012/20/2010 2:45:53 PM
fortytwo$50.0012/20/2010 2:54:11 PM
dedicated-transaction796$50.0012/20/2010 3:38:59 PM
mercuriant$25.0012/20/2010 4:29:36 PM
dignified-capital2$40.0012/20/2010 5:39:58 PM
gold-commander0$50.0012/20/2010 6:29:51 PM
new-social-economist$75.0012/20/2010 7:00:19 PM
Tizzo27$60.2312/20/2010 7:26:40 PM
AlexTrep$25.0012/21/2010 2:37:19 AM
Whipster$25.0012/21/2010 5:52:37 AM
Artist_Blue$25.0012/21/2010 7:05:55 AM
finance-prescription$50.0012/21/2010 7:37:30 AM
ASR3$50.0012/21/2010 7:42:14 AM
well-mannered-income3$40.0012/21/2010 9:02:03 AM
NoMoreDebt4Me$25.0012/21/2010 10:05:03 AM
Chex$50.0012/21/2010 10:29:48 AM
jazzlender$25.0012/21/2010 10:35:28 AM
Lam0nt$25.0012/21/2010 12:21:06 PM
helpful-listing$50.0012/21/2010 11:27:00 AM
bold-meteoric-justice$50.0012/21/2010 12:40:28 PM
MAYBROOK$50.0012/21/2010 1:09:30 PM
worthy-bid8$50.0012/21/2010 1:18:09 PM
orange-preeminant-bill$25.9812/21/2010 3:04:14 PM
supersam$50.0012/21/2010 4:06:25 PM
wanna-help$50.0012/21/2010 5:26:11 PM
All_Wins$25.0012/21/2010 4:44:46 PM
MissionMicroFinance$25.0012/21/2010 6:32:40 PM
coin-bee1$50.0012/21/2010 6:41:02 PM
DDHMoney$25.0012/21/2010 7:18:35 PM
zooom7$50.0012/21/2010 7:19:13 PM
papaman$25.0012/21/2010 7:46:16 PM
Retiredsailor65$25.0012/21/2010 8:02:47 PM
commitment-symphony9$25.0012/21/2010 8:46:00 PM
finance-magma7$65.3212/21/2010 11:20:19 PM
m0rlock$100.0012/22/2010 12:45:37 AM
callmebryan$25.0012/21/2010 7:31:22 PM
lost-money-so-far-on-these$25.0012/22/2010 1:32:51 AM
JPMorrisLegacyFund$100.0012/22/2010 1:48:16 AM
samo102us$25.0012/22/2010 2:00:54 AM
nalaari$25.0012/22/2010 2:16:34 AM
shrewd-peace7$25.0012/22/2010 2:16:49 AM
bnlforever$25.0012/22/2010 2:17:02 AM
tornandfrayed$36.8812/22/2010 2:18:46 AM
sweetlan$25.0012/22/2010 2:18:50 AM
abundant-credit6$25.0012/22/2010 2:25:15 AM
missing-link$50.0012/22/2010 2:33:30 AM
simplelender80$100.0012/22/2010 4:06:27 AM
Rdodson11$25.0012/22/2010 1:26:51 AM
copper$33.2012/22/2010 1:33:39 AM
mmckune$25.0012/22/2010 1:58:56 AM
LAM26$25.0012/22/2010 2:01:51 AM
income-rocker2$50.0012/22/2010 6:18:36 AM
famous-hope$25.0012/22/2010 2:17:12 AM
Leshan$25.0012/22/2010 7:04:14 AM
GInBaghdad$25.0012/22/2010 7:40:25 AM
finance-mushroom$100.0012/22/2010 7:42:17 AM
exciting-fairness$200.0012/22/2010 5:41:53 AM
ml13$25.0012/22/2010 5:58:54 AM
Mariner3605$50.0012/22/2010 6:07:03 AM
rogue_monster$50.0012/22/2010 9:25:43 AM
meteoric-asset4$25.0012/22/2010 9:04:02 AM
HedgeFund$50.0012/22/2010 9:50:22 AM
wise-silver-wonder$25.0012/22/2010 9:33:53 AM
sagan$25.0012/22/2010 8:25:42 AM
forthright-trade$25.0012/22/2010 10:24:12 AM
139 Investments
 
Borrower Payment Dependent Notes Series 487948
This series of Notes was issued and sold upon the funding of the borrower loan #46376, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,350.00 Prosper Rating: E Listing Duration: 7 days
Partially Funded: no Estimated loss*: 14.20% Listing Start date:  Dec-15-2010 
Term: 36 months Listing End date:  Dec-20-2010 
 
Lender yield: 31.20% Borrower rate/APR: 32.20% / 35.86% Monthly payment: $320.94
 
Lender servicing fee: 1.00% Effective Yield*: 29.77%  
Estimated return*: 15.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Feb-2001 Debt/Income ratio: 35%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 18 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,919Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: noble-capital8 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
Carey's Debt Consolidation
Purpose of loan:
This loan will be used to help my significant other and I catch up on bills while she is finishing college
My financial situation:
I am a good candidate for this loan because I am very responsible with my finances and make?my payments on time

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 250.00
??Insurance: $ 100
??Car expenses: $ 300
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1000
??Other expenses: $ 200
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
InvestorAmountInvestment Date (PT)
paytonbrigadier$250.0012/15/2010 4:02:42 PM
rss197$25.0012/15/2010 4:04:04 PM
jazzlender$25.0012/15/2010 4:04:18 PM
EBITDA$25.0012/15/2010 3:54:27 PM
NR$25.0012/15/2010 4:02:50 PM
coin-bee1$50.0012/15/2010 4:03:09 PM
Interstate_Rate$42.4712/15/2010 7:21:27 PM
reflective-rupee$25.0012/15/2010 8:24:38 PM
diplomatic-wealth7$25.0012/15/2010 3:58:56 PM
simplelender80$100.0012/15/2010 3:59:19 PM
SNH$100.0012/15/2010 4:02:16 PM
ingenious-deal6$25.0012/16/2010 12:23:15 AM
Tikibarman$41.5512/15/2010 4:24:41 PM
hptcrabbers$25.0012/16/2010 6:17:22 AM
balance-handshake7$50.0012/16/2010 10:46:46 AM
enriching-fund4$25.0012/16/2010 11:03:17 AM
ASR3$35.0012/15/2010 8:32:20 PM
DonaldColorado$50.0012/16/2010 8:31:53 AM
rhightower003$25.0012/16/2010 10:58:01 AM
orange-influential-credit$42.7412/16/2010 5:28:30 AM
richboy56$25.0012/16/2010 7:59:55 AM
Redmond$25.0012/16/2010 8:38:57 AM
money-bauble$25.0012/16/2010 1:01:41 PM
dedicated-transaction796$37.0112/16/2010 2:47:48 PM
soulful-truth$74.0012/16/2010 10:42:25 AM
power-trophy7$50.0012/16/2010 3:56:40 PM
gss_000$25.0012/16/2010 11:03:16 AM
economy-lotus$50.0012/16/2010 4:17:53 PM
nfx$25.0012/17/2010 6:02:52 AM
reflective-rupee$425.0012/16/2010 11:10:12 PM
108lender$40.6212/17/2010 9:56:48 AM
gold-backer9$25.0012/17/2010 12:47:33 PM
desertoasis$25.0012/17/2010 3:48:35 PM
new-social-economist$75.0012/17/2010 3:49:43 PM
first-serene-credit$25.0012/17/2010 3:53:20 PM
newest-generous-income$25.0012/18/2010 7:51:44 AM
investment-comet$25.0012/18/2010 11:42:28 AM
credit-sycamore4$37.3212/18/2010 12:23:43 PM
the-dollar-topper$45.2912/18/2010 7:19:21 AM
x27$25.0012/18/2010 7:21:53 AM
teller$25.0012/17/2010 5:36:31 PM
basis-equalizer0$25.0012/18/2010 8:31:39 AM
gold-channel2$43.5612/18/2010 3:18:09 PM
kendallv$50.0012/18/2010 12:15:39 PM
wanna-help$25.5412/18/2010 2:38:40 PM
be_wise$25.0012/19/2010 11:36:27 AM
bodascafe$25.0012/19/2010 3:08:31 PM
jlr613$47.3212/19/2010 3:08:54 PM
jubilant-auction5$25.0012/19/2010 2:51:22 AM
wonder3$25.0012/19/2010 5:50:12 PM
DSFinancial$33.0012/19/2010 9:31:27 AM
ommcd$25.0012/19/2010 12:48:52 PM
retirementlady$25.0012/19/2010 2:58:16 PM
Ducatiman1978$25.0012/19/2010 3:00:23 PM
DeutscheBank$25.0012/19/2010 3:09:04 PM
bold-shrewd-duty$25.0012/19/2010 5:01:23 PM
income-pillow$50.0012/18/2010 5:06:50 PM
return-pumpkin7$25.0012/18/2010 5:51:33 PM
auction-formula$200.0012/18/2010 7:41:24 PM
inkplj$50.0012/18/2010 10:39:03 PM
cash-medalist3$25.0012/19/2010 5:16:37 PM
Kqwik$25.0012/20/2010 2:29:35 AM
ozzie$25.0012/20/2010 1:43:52 AM
TW2000$25.0012/20/2010 5:38:48 AM
five-star-investment8$70.9712/20/2010 6:06:59 AM
principal-laser$25.0012/20/2010 6:50:17 AM
iolaire$25.0012/20/2010 7:40:34 AM
green-friendly-bill$50.0012/20/2010 7:41:33 AM
sdcc72$25.0012/20/2010 8:12:15 AM
Yaout$50.0012/20/2010 8:03:00 AM
dinero-mason$50.0012/20/2010 8:10:44 AM
credit-guard5$25.0012/20/2010 8:14:33 AM
ultimate-peace$50.0012/20/2010 8:29:35 AM
icon7$50.0012/20/2010 8:46:49 AM
Calif-smo$25.0012/20/2010 8:31:58 AM
nellaelyob$50.0012/20/2010 8:56:13 AM
zieger$25.0012/20/2010 9:19:18 AM
favorite-commerce$25.0012/20/2010 9:08:43 AM
greenback-guard$25.0012/20/2010 9:34:13 AM
kulender$100.0012/15/2010 3:52:19 PM
handshake5$100.0012/15/2010 3:53:21 PM
nickel-hickory$50.0012/15/2010 4:56:53 PM
green-thoughtful-yield$100.0012/15/2010 9:40:53 PM
moola-wildebeest3$25.0012/16/2010 3:18:09 AM
Artist_Blue$25.0012/15/2010 3:59:22 PM
Thylow$100.0012/15/2010 4:01:13 PM
integrity-liberator$38.0012/15/2010 8:46:58 PM
Investoman$50.0012/15/2010 4:03:32 PM
ichibon$25.0012/15/2010 4:04:33 PM
secureincome$400.0012/15/2010 5:08:57 PM
leverage-trident$25.0012/16/2010 10:46:49 AM
lloyd_s$25.0012/16/2010 11:26:36 AM
worthy-bid8$50.0012/16/2010 2:24:52 PM
DadWarbucks$60.0012/16/2010 2:46:49 PM
HedgeFund$43.7912/16/2010 12:34:15 PM
danthemon35$25.0012/16/2010 1:11:25 PM
graceful-investment$100.0012/16/2010 3:52:33 PM
income-sage9$25.0012/16/2010 8:47:37 PM
tech310$25.0012/16/2010 2:49:09 PM
SolarMoonshine$25.0012/16/2010 5:57:51 PM
nilonc1$100.0012/17/2010 8:41:19 AM
musegaze$50.0012/17/2010 9:39:42 AM
ukstevenhawaii$100.0012/17/2010 12:23:06 PM
JPMorrisLegacyFund$100.0012/17/2010 4:32:32 PM
bid-czar8$33.4512/17/2010 12:28:31 PM
the-determined-value$50.0012/17/2010 2:17:10 PM
a-finance-nirvana$25.0012/18/2010 2:42:04 AM
treasure-bliss$50.0012/18/2010 2:24:15 AM
orange-preeminant-bill$50.0012/18/2010 2:41:42 AM
wampum-chorus3$25.0012/18/2010 4:51:33 AM
FeedTheMachine$50.0012/18/2010 11:53:37 AM
pixeldave$25.0012/19/2010 4:46:24 AM
hope-hickory$25.0012/18/2010 11:56:51 AM
platinum-celebration4$25.0012/19/2010 7:04:22 AM
moneyman369$38.4612/18/2010 1:36:29 AM
AlexTrep$25.0012/19/2010 10:12:12 AM
gold-blanket0$25.0012/19/2010 11:51:39 AM
Cheburashka$25.0012/19/2010 12:51:28 PM
thryn$25.0012/18/2010 10:51:35 PM
benevolent-bonus$25.0012/19/2010 2:58:13 PM
fundenstein$25.0012/19/2010 2:58:59 PM
suave-dime6$25.0012/19/2010 3:00:19 PM
TrekTune$25.0012/18/2010 11:56:52 AM
larrybird$150.0012/19/2010 4:01:40 PM
Whipster$60.0012/18/2010 12:27:56 PM
kegs$150.0012/19/2010 4:11:11 PM
symbiosis$41.7312/18/2010 5:41:37 PM
inspiring-reward$28.5612/18/2010 6:16:23 PM
fair-peace7$25.0012/19/2010 7:21:31 AM
foxtrot12$32.3712/19/2010 8:31:57 AM
Comoparklender$25.0012/19/2010 8:38:05 AM
SDNLR$41.4612/19/2010 3:00:52 PM
xzec777$25.0012/19/2010 3:01:06 PM
astute-investment5$25.0012/19/2010 3:08:58 PM
satisfying-durability$25.0012/20/2010 1:35:03 AM
Nerdster1$25.0312/20/2010 4:53:48 AM
CaptainCrunch$25.0012/20/2010 5:48:49 AM
favorite-commerce$25.0012/20/2010 7:34:05 AM
buffalobills$25.0012/20/2010 7:42:39 AM
transamerican$25.0012/20/2010 7:46:16 AM
well-mannered-income3$40.0012/20/2010 7:56:48 AM
dough-bear$50.0012/20/2010 8:13:57 AM
tsg2007$25.0012/20/2010 8:16:29 AM
CSUgrad08$25.0012/20/2010 8:34:14 AM
ITExec$100.0012/20/2010 8:24:42 AM
youthful-greenback3$25.0012/20/2010 8:44:20 AM
investment-artist$25.0012/20/2010 8:31:11 AM
happylender999$29.2612/20/2010 8:33:55 AM
tspyz$25.0012/20/2010 9:34:46 AM
green-wampum-titan$25.0012/20/2010 9:03:17 AM
Trygs$41.1612/20/2010 9:07:50 AM
LittleMingo$30.0012/20/2010 9:38:29 AM
enthusiastic-balance5$200.3412/20/2010 9:51:31 AM
153 Investments
 
Borrower Payment Dependent Notes Series 488368
This series of Notes was issued and sold upon the funding of the borrower loan #46379, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 7 days
Partially Funded: no Estimated loss*: 14.20% Listing Start date:  Dec-20-2010 
Term: 36 months Listing End date:  Dec-22-2010 
 
Lender yield: 31.20% Borrower rate/APR: 32.20% / 35.86% Monthly payment: $174.66
 
Lender servicing fee: 1.00% Effective Yield*: 29.77%  
Estimated return*: 15.57%  
* 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: Jan-1981 Debt/Income ratio: 44%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,359Stated income:$1-$24,999
Delinquencies in last 7y: 8 Bankcard utilization: 19%  
   Homeownership: No  
Screen name: compassion-treaty 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
Paying off Credit Cards
Purpose of loan:
This loan will be used to? Pay off credit card

My financial situation:
I am a good candidate for this loan because? I am a goog person, who has helped others with my cc, now I need a little help.

Monthly net income: $ 1200

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 50
??Car expenses: $ 50
??Utilities: $ 250
??Phone, cable, internet: $ 20
??Food, entertainment: $ 60
??Clothing, household expenses $ 60
??Credit cards and other loans: $ 475
??Other expenses: $
100
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
InvestorAmountInvestment Date (PT)
kulender$100.0012/20/2010 10:44:28 AM
paytonbrigadier$38.2512/20/2010 10:46:54 AM
SNH$100.0012/20/2010 10:47:16 AM
a-finance-nirvana$25.0012/20/2010 10:50:21 AM
newest-generous-income$25.0012/20/2010 10:50:43 AM
greenback-guard$25.0012/20/2010 10:53:54 AM
green-thoughtful-yield$100.0012/20/2010 2:23:55 PM
rss197$25.0012/20/2010 2:45:54 PM
reward-adventure$50.0012/20/2010 4:49:08 PM
gold-commander0$50.0012/20/2010 6:29:51 PM
new-social-economist$75.0012/20/2010 7:00:20 PM
investment-star$50.0012/20/2010 10:37:26 PM
reflective-rupee$200.0012/20/2010 11:54:34 PM
Artist_Blue$25.0012/21/2010 7:05:53 AM
washboard1$25.0012/21/2010 9:49:48 AM
NoMoreDebt4Me$25.0012/21/2010 10:05:07 AM
CASSHMAN$75.0012/21/2010 9:56:33 AM
GoVegan$25.0012/21/2010 10:18:45 AM
restech$25.0012/21/2010 11:55:56 AM
Lam0nt$25.0012/21/2010 12:21:08 PM
MAYBROOK$25.9612/21/2010 1:09:32 PM
worthy-bid8$50.0012/21/2010 1:18:28 PM
J-Rott$50.0012/21/2010 1:24:18 PM
ommcd$25.0012/21/2010 2:57:16 PM
coin-bee1$50.0012/21/2010 6:41:02 PM
commitment-symphony9$25.0012/21/2010 8:46:03 PM
DDHMoney$25.0012/21/2010 7:18:36 PM
Rdodson11$25.0012/22/2010 1:26:53 AM
KiwiElf$30.0012/22/2010 1:33:48 AM
zippy-market5$25.0012/21/2010 8:40:35 PM
orange-preeminant-bill$50.0012/22/2010 2:17:48 AM
m0rlock$100.0012/22/2010 12:45:38 AM
escharfer$25.0012/22/2010 1:37:17 AM
JPMorrisLegacyFund$100.0012/22/2010 1:48:17 AM
income-rocker2$50.0012/22/2010 6:17:12 AM
simplelender80$100.0012/22/2010 4:06:31 AM
rogue_monster$50.0012/22/2010 9:25:44 AM
meteoric-asset4$25.0012/22/2010 9:04:03 AM
finance-mushroom$100.0012/22/2010 7:42:18 AM
sagan$25.0012/22/2010 8:25:43 AM
wise-silver-wonder$25.0012/22/2010 9:33:53 AM
kwan$25.0012/22/2010 10:26:52 AM
secureincome$96.2112/22/2010 10:38:17 AM
Investoman$50.0012/20/2010 10:45:30 AM
teller$25.0012/20/2010 10:49:32 AM
power-trophy7$50.0012/20/2010 10:48:21 AM
108lender$150.0012/20/2010 10:54:47 AM
Evolver$50.0012/20/2010 2:28:56 PM
graceful-investment$100.0012/20/2010 3:04:39 PM
money-bauble$100.0012/20/2010 3:29:36 PM
fortytwo$50.0012/20/2010 2:54:12 PM
inspiring-reward$43.4112/20/2010 3:24:04 PM
dedicated-transaction796$50.0012/20/2010 3:39:01 PM
mercuriant$25.0012/20/2010 4:29:37 PM
Kash2010lu$25.0012/20/2010 10:27:00 PM
radiant-loan5$50.0012/20/2010 11:52:03 PM
Palacios$50.0012/20/2010 11:40:25 PM
golath24$25.0012/21/2010 4:35:00 AM
AlexTrep$25.0012/21/2010 6:11:24 AM
ASR3$50.0012/21/2010 7:42:18 AM
hopeful-truth5$100.0012/21/2010 7:43:12 AM
finance-prescription$50.0012/21/2010 7:37:31 AM
well-mannered-income3$40.0012/21/2010 8:57:13 AM
jazzlender$25.0012/21/2010 10:35:30 AM
green-moola-sniffer$50.0012/21/2010 10:55:04 AM
bold-meteoric-justice$50.0012/21/2010 12:40:32 PM
competent-p2p$30.0012/21/2010 1:32:34 PM
treasure-bliss$37.0612/21/2010 3:12:35 PM
platinum-oath0$25.0012/21/2010 5:10:40 PM
money-yeller$25.0012/21/2010 5:11:04 PM
MissionMicroFinance$25.0012/21/2010 6:32:41 PM
SFBank$100.0012/21/2010 6:54:43 PM
fabulous-diversification9$25.0012/21/2010 8:56:08 PM
missing-link$45.3212/22/2010 2:33:32 AM
Mariner3605$38.7912/22/2010 6:07:03 AM
realtormoises$25.0012/22/2010 6:47:48 AM
bnlforever$25.0012/22/2010 9:36:11 AM
cash-raccoon$25.0012/22/2010 10:12:41 AM
Bob450$25.0012/22/2010 8:03:36 AM
reflective-rupee$100.0012/22/2010 10:01:26 AM
loan-oasis4$25.0012/22/2010 10:09:46 AM
81 Investments
 
Borrower Payment Dependent Notes Series 488942
This series of Notes was issued and sold upon the funding of the borrower loan #46449, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,221.00 Prosper Rating: B Listing Duration: 14 days
Partially Funded: no Estimated loss*: 5.95% Listing Start date:  Jan-04-2011 
Term: 36 months Listing End date:  Jan-05-2011 
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 17.07% Monthly payment: $284.58
 
Lender servicing fee: 1.00% Effective Yield*: 13.67%  
Estimated return*: 7.72%  
* 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-1996 Debt/Income ratio: 26%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 19Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 43 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,831Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: Yes  
Screen name: richardsonheights 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
Consolidating High Interest Cards
This Loan:This loan will be used to consolidate our credit cards with bad interest rates (>17%). Over the last month, I've attempted negotiations with the individual credit card companies, but they will not help us since we continue paying our bills on time. Funny how that works.

Background:My wife recently graduated with two degrees after switching to be a full time student for the three years prior to 2010. Despite my income as a software engineer, we still had to use credit card to cover some expenses, including some tuition toward the end. She got a great job in April 2010 as a project administrator for a retail marketing services firm. With this extra financial breathing room, we are now attempting to more aggressively consolidate and pay off our remaining debt.

Our Financial Situation:
Monthly combined income (after taxes, health insurance, ESPP, and 401k): $7180

Monthly expenses: $5869
??Housing: $1857
??Car expenses: $850
??Utilities: $250
??Phone, cable, internet: $270
??Food, entertainment: $500
??Clothing, household expenses $100
??Credit cards and other loans: $759
??Student loan payments: $1283
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
InvestorAmountInvestment Date (PT)
five-star-responsibility0$50.001/4/2011 9:57:40 AM
gold-blanket0$50.001/4/2011 9:59:40 AM
jamiee73$25.001/4/2011 10:00:13 AM
building_community$25.001/4/2011 10:02:39 AM
Artist_Blue$25.001/4/2011 10:04:30 AM
panegryst$25.001/4/2011 10:05:09 AM
Anny-Disco$50.001/4/2011 10:05:21 AM
gold-channel2$50.001/4/2011 9:59:34 AM
restless-currency$41.011/4/2011 10:05:55 AM
handshake5$100.001/4/2011 9:59:54 AM
icchok$50.001/4/2011 10:02:51 AM
red-unequivocal-finance$25.001/4/2011 10:05:02 AM
the-transaction-stronghold$25.001/4/2011 10:05:44 AM
selector568$50.001/4/2011 10:06:09 AM
syounker$25.001/4/2011 10:07:00 AM
astute-investment5$25.001/4/2011 10:07:48 AM
JustMee$25.001/4/2011 11:30:30 AM
rss197$25.001/4/2011 10:01:20 AM
DasMula$57.001/4/2011 10:23:33 AM
Havana21$200.001/4/2011 10:01:40 AM
fightinjoe$50.001/4/2011 10:04:04 AM
ray1051$25.001/4/2011 10:06:28 AM
dunox$25.001/4/2011 1:41:57 PM
goodhearted-basis4$25.001/4/2011 1:45:28 PM
blue-useful-auction$25.001/4/2011 12:44:29 PM
SecondChanceLendingSERV$50.001/4/2011 1:01:48 PM
elvisloans$25.001/4/2011 1:15:21 PM
MrOglesby$25.001/4/2011 2:50:15 PM
warew$30.001/4/2011 11:26:52 AM
Bank_Of_XL$50.001/4/2011 2:27:42 PM
spiff666$25.001/4/2011 12:20:59 PM
indomitable-coin$100.001/4/2011 12:23:17 PM
vutah$25.001/4/2011 5:37:53 PM
wealth-competitor$100.001/4/2011 4:13:13 PM
KarmaBum77$25.001/4/2011 5:53:43 PM
eloquent-bill6$25.001/4/2011 5:34:44 PM
economy-beast$25.001/4/2011 6:48:39 PM
dilbert17$25.001/4/2011 7:25:47 PM
2Below$25.001/4/2011 6:11:28 PM
friendinmoney$25.001/4/2011 6:20:47 PM
hellasow$35.001/4/2011 9:41:15 PM
the-profit-oracle$25.001/5/2011 1:55:01 AM
power-secret-agent$25.001/5/2011 2:59:07 AM
thrilling-nickel5$42.091/5/2011 4:28:53 AM
Ambassador$50.001/5/2011 4:57:41 AM
loyalty-czar$50.001/4/2011 7:24:22 PM
understanding-affluence5$25.001/5/2011 6:17:51 AM
Sol_Invictus$25.001/4/2011 8:25:08 PM
littlemonkey$25.001/5/2011 6:43:19 AM
doopers$25.001/5/2011 5:14:39 AM
first-upright-payout$25.001/5/2011 5:56:05 AM
Fun54115$25.001/5/2011 8:12:04 AM
GElender$50.001/5/2011 6:17:38 AM
engaging-worth$25.001/5/2011 9:15:53 AM
rate-hickory$25.001/5/2011 7:48:34 AM
orbital-velocity7$50.001/5/2011 9:30:51 AM
fair_rates$25.001/5/2011 9:44:54 AM
tenacious-payout$25.001/5/2011 9:14:34 AM
secureincome$1,000.001/5/2011 9:38:02 AM
sparkling-contract7$25.001/5/2011 5:20:36 AM
jcquiroz$40.001/5/2011 9:54:09 AM
heerzaquestion$50.001/5/2011 6:23:34 AM
trade-elm$30.001/5/2011 8:08:59 AM
investment-star$50.001/5/2011 8:10:48 AM
worthy-bid4$25.001/5/2011 9:38:01 AM
corporatejim$33.181/5/2011 9:50:03 AM
mpatrick$25.001/5/2011 10:59:03 AM
NorthernFunds$50.001/5/2011 11:40:47 AM
ava2009$50.001/5/2011 11:41:09 AM
brandilton$25.001/5/2011 11:40:44 AM
likeable-leverage5$250.001/5/2011 11:40:48 AM
huorn$25.001/5/2011 11:09:18 AM
kulender$35.641/5/2011 11:16:04 AM
greenback-guard$25.001/5/2011 11:41:07 AM
tranquil-diversification8$50.001/5/2011 11:50:31 AM
enthralling-deal180$50.001/4/2011 10:01:14 AM
6moonbeams$50.001/4/2011 10:04:00 AM
sci_guy$25.001/4/2011 10:04:57 AM
Banker7371$25.001/4/2011 10:05:15 AM
hopethisworks$50.001/4/2011 10:05:39 AM
a-responsible-return$50.001/4/2011 10:00:04 AM
Centaur$50.001/4/2011 10:06:24 AM
chris-heretoinvest$25.001/4/2011 10:07:03 AM
GatorsFan$50.001/4/2011 10:07:59 AM
bazaar-festivity$100.001/4/2011 10:03:26 AM
organized-payment6$50.001/4/2011 10:03:34 AM
bold-treasure-neutrino$50.001/4/2011 10:03:45 AM
nilonc1$100.001/4/2011 10:03:54 AM
buckyhead2000$25.001/4/2011 10:05:26 AM
patriot897$50.001/4/2011 10:06:39 AM
jonn834$25.001/4/2011 10:07:29 AM
the-enterprising-leverage$25.001/4/2011 11:43:35 AM
orgy63$50.001/4/2011 10:01:27 AM
nalaari$25.001/4/2011 12:08:34 PM
riskreward$100.001/4/2011 10:02:10 AM
Eastern$50.001/4/2011 10:02:56 AM
gold-conga$50.001/4/2011 11:00:09 AM
Astyanax$50.001/4/2011 11:05:52 AM
listing-trapper3$75.001/4/2011 11:16:13 AM
SimpleChoice$25.001/4/2011 10:05:37 AM
tech310$50.001/4/2011 10:06:34 AM
american6$50.001/4/2011 10:07:11 AM
fcukciti$25.001/4/2011 1:41:46 PM
deal-zoo$50.001/4/2011 10:08:21 AM
fund-high-five$50.001/4/2011 12:15:11 PM
Income-Scout$150.001/4/2011 10:27:38 AM
loanman2007$100.001/4/2011 12:52:20 PM
Barak$100.001/4/2011 2:34:52 PM
bigphish$25.001/4/2011 1:28:03 PM
Leshan$25.001/4/2011 11:33:18 AM
reflective-rupee$33.331/4/2011 1:48:17 PM
dirkgently$50.001/4/2011 12:08:50 PM
radforj22$25.001/4/2011 1:05:03 PM
3_boyz$25.001/4/2011 3:56:21 PM
planky$100.001/4/2011 5:37:03 PM
ethicalhumanist$50.001/4/2011 3:17:57 PM
Cal07$25.001/4/2011 5:03:31 PM
KrisKringle$50.001/4/2011 7:25:49 PM
hrubinst$50.001/4/2011 9:35:34 PM
LongTail$25.001/4/2011 10:05:39 PM
treasure-bliss$40.441/5/2011 1:50:11 AM
availableloan$25.001/4/2011 10:08:06 PM
shrewd-income$50.001/4/2011 10:09:27 PM
MarcusOcean$25.001/4/2011 6:45:44 PM
Elbanko$50.001/5/2011 4:21:27 AM
Rulea72$49.541/5/2011 7:13:06 AM
inspired-investment8$100.001/4/2011 9:21:35 PM
dammage$84.331/5/2011 8:39:54 AM
favorite-commerce$25.001/5/2011 7:49:32 AM
hopeful-asset9$25.001/5/2011 9:39:52 AM
attractive-asset$100.001/5/2011 8:25:33 AM
mjunlimited$50.001/5/2011 8:54:08 AM
paytonbrigadier$500.001/5/2011 9:50:02 AM
wwwUniversal$25.001/5/2011 9:53:23 AM
blooming-kindness$50.001/5/2011 6:15:59 AM
lazyeye$38.761/5/2011 6:25:15 AM
innocent-income4$25.001/5/2011 7:49:03 AM
UBOtto186$50.001/5/2011 10:18:10 AM
skuba$50.001/5/2011 11:16:35 AM
Deshy$50.001/5/2011 11:29:11 AM
adaptable-camaraderi$50.001/5/2011 11:40:43 AM
rangers94$25.001/5/2011 11:40:50 AM
jazzlender$25.001/5/2011 10:37:48 AM
accountant41$25.001/5/2011 11:41:11 AM
johnnyldr$50.001/5/2011 11:58:36 AM
autonomous-basis$25.001/5/2011 11:23:38 AM
rachelrachelrachel$25.001/5/2011 11:40:46 AM
zaquiri_ice$25.001/5/2011 11:41:12 AM
tender-integrity3$25.001/5/2011 11:42:15 AM
BAdler$25.001/5/2011 10:32:36 AM
socrates520$50.001/5/2011 11:00:24 AM
DG2007$25.001/5/2011 11:07:05 AM
JTHarris$25.001/5/2011 11:39:48 AM
payout-alien6$50.001/5/2011 11:40:49 AM
unabashed-contract5$50.001/5/2011 12:00:50 PM
155 Investments
 
Borrower Payment Dependent Notes Series 489082
This series of Notes was issued and sold upon the funding of the borrower loan #46483, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: B Listing Duration: 14 days
Partially Funded: no Estimated loss*: 4.95% Listing Start date:  Dec-27-2010 
Term: 36 months Listing End date:  Dec-27-2010 
 
Lender yield: 12.40% Borrower rate/APR: 13.40% / 15.55% Monthly payment: $237.21
 
Lender servicing fee: 1.00% Effective Yield*: 12.19%  
Estimated return*: 7.24%  
* 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-1990 Debt/Income ratio: 26%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 21Length of status:13y 8m
Amount delinquent: $0 Total credit lines: 52 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,047Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: Yes  
Screen name: SmallPress Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 28 ( 100% ) 720-739 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
620-639 (Jul-2008)
 
Principal balance: $905.46 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
Small publisher wants to grow...
Purpose of loan: This will be my second loan from Prosper. I placed a loan in 2006 to get me through the hurdles of starting a new?company reprinting classic American comic strips. The loan really helped me stay afloat but then the economy went totally downhill and though my sales did not go down much they certainly did not improve all that much either. But I continue to forge on and plan to keep this company going even after I retire from my full-time job in 5-6 years. This influx of funds will be used to clear up some outstanding company debts, as well as publish my next couple of books.
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
InvestorAmountInvestment Date (PT)
Tradesmanlender$35.0012/27/2010 10:39:56 AM
ASR3$35.0012/27/2010 10:42:14 AM
skuba$50.0012/27/2010 10:41:06 AM
RoyFauntleroy$50.0012/27/2010 10:42:31 AM
Barak$100.0012/27/2010 10:42:47 AM
hopeful-truth5$100.0012/27/2010 10:42:22 AM
Aberdeen$7,000.0012/27/2010 10:45:20 AM
mkl42$50.0012/27/2010 10:41:17 AM
Artist_Blue$25.0012/27/2010 10:41:56 AM
9 Investments
 
Borrower Payment Dependent Notes Series 489304
This series of Notes was issued and sold upon the funding of the borrower loan #46519, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: AA Listing Duration: 14 days
Partially Funded: no Estimated loss*: 1.30% Listing Start date:  Dec-29-2010 
Term: 36 months Listing End date:  Dec-29-2010 
 
Lender yield: 6.65% Borrower rate/APR: 7.65% / 7.99% Monthly payment: $311.75
 
Lender servicing fee: 1.00% Effective Yield*: 6.65%  
Estimated return*: 5.35%  
* 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: Jun-1988 Debt/Income ratio: 18%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:13y 5m
Amount delinquent: $0 Total credit lines: 27 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $35,986Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: doctorj97 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: 33 ( 100% ) 780-799 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
680-699 (Mar-2008)
 
Principal balance: $1,012.79 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
new deck
Purpose of loan:
This loan will be used to?
build new deck
My financial situation:
I am a good candidate for this loan because? I have good credit and excellent income and have had a loan in good standing with prosper for 3 years that is almost paid off
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
InvestorAmountInvestment Date (PT)
ramsbladder$25.0012/29/2010 9:25:42 AM
first-upright-payout$25.0012/29/2010 9:26:48 AM
commerce-voyager$25.0012/29/2010 9:26:56 AM
economy-orchid$25.0012/29/2010 9:27:23 AM
Artist_Blue$25.0012/29/2010 9:27:27 AM
rss197$25.0012/29/2010 9:27:42 AM
a-exponential-hope$25.0012/29/2010 9:28:03 AM
spenrod$50.0012/29/2010 9:28:21 AM
minista$25.0012/29/2010 9:28:23 AM
teufelhund$25.0012/29/2010 9:25:28 AM
ScottW$25.0012/29/2010 9:28:43 AM
generous-deal6$50.0012/29/2010 9:25:45 AM
tech310$50.0012/29/2010 9:29:06 AM
Emgolda$25.0012/29/2010 9:29:26 AM
Bosslady123q$25.0012/29/2010 9:25:36 AM
meux99$25.0012/29/2010 9:30:01 AM
cyonamine$25.0012/29/2010 9:26:02 AM
windfall46$25.0012/29/2010 9:26:32 AM
Slend49$25.0012/29/2010 9:30:07 AM
reinforced-marketplace3$250.0012/29/2010 9:30:12 AM
wormdc$25.0012/29/2010 9:27:11 AM
CBO-Enterprise$100.0012/29/2010 9:27:17 AM
shamrocker$25.0012/29/2010 9:31:19 AM
power-trophy7$50.0012/29/2010 9:27:52 AM
investment-comet$25.0012/29/2010 9:27:47 AM
trucklawyer$25.0012/29/2010 9:28:05 AM
mathprof$25.0012/29/2010 9:28:12 AM
jt88$50.0012/29/2010 9:28:48 AM
anwn$25.0012/29/2010 9:29:02 AM
Truckie-FD$50.0012/29/2010 9:29:21 AM
slartibardfast$25.0012/29/2010 9:29:08 AM
speyer$25.0012/29/2010 9:29:31 AM
kulender$50.0012/29/2010 9:29:14 AM
life-is-great$50.0012/29/2010 9:29:40 AM
paytonbrigadier$250.0012/29/2010 9:29:19 AM
myworld701$25.0012/29/2010 9:29:44 AM
wise-dedicated-power$25.0012/29/2010 9:29:50 AM
Planecourage$25.0012/29/2010 9:29:54 AM
orbital-loot333$25.0012/29/2010 9:30:10 AM
meenan$50.0012/29/2010 9:30:22 AM
BankingFamily$50.0012/29/2010 9:30:25 AM
JaceSpade$25.0012/29/2010 9:30:30 AM
SourDoughSteve$25.0012/29/2010 9:30:44 AM
heroic-platinum$25.0012/29/2010 9:30:49 AM
lender987654321$25.0012/29/2010 9:30:56 AM
antlr$50.0012/29/2010 9:30:58 AM
Zoomie$25.0012/29/2010 9:31:03 AM
flexible-value$50.0012/29/2010 9:31:13 AM
auction-sage$50.0012/29/2010 9:26:52 AM
satisfying-durability$25.0012/29/2010 9:26:59 AM
funds-rascal$50.0012/29/2010 9:27:21 AM
skuba$50.0012/29/2010 9:27:24 AM
ray1051$25.0012/29/2010 9:27:40 AM
sensible-trade$50.0012/29/2010 9:28:06 AM
economy-beast$25.0012/29/2010 9:28:26 AM
dharma1$25.0012/29/2010 9:25:37 AM
kindness-dessert$25.0012/29/2010 9:28:55 AM
alpinaut$25.0012/29/2010 9:25:27 AM
authoritative-loot$25.0012/29/2010 9:29:34 AM
julijask$35.0012/29/2010 9:25:56 AM
FlexFunding$100.0012/29/2010 9:26:34 AM
GElender$100.0012/29/2010 9:26:39 AM
justice-dna$35.0012/29/2010 9:30:18 AM
Brattt$25.0012/29/2010 9:26:29 AM
Woodworker57$25.0012/29/2010 9:26:50 AM
daddypro$25.0012/29/2010 9:30:38 AM
CASHGIRL$25.0012/29/2010 9:26:44 AM
indomitable-coin$50.0012/29/2010 9:26:55 AM
Swabjockey$25.0012/29/2010 9:30:46 AM
radforj22$50.0012/29/2010 9:26:53 AM
rce1964$25.0012/29/2010 9:27:00 AM
compoundinterest$50.0012/29/2010 9:30:51 AM
eloquent-dime416$50.0012/29/2010 9:30:53 AM
twjh$25.0012/29/2010 9:27:03 AM
luckyldy$50.0012/29/2010 9:31:17 AM
thedoctor$50.0012/29/2010 9:27:18 AM
cebgop$25.0012/29/2010 9:27:30 AM
blot44$25.0012/29/2010 9:27:37 AM
narblark$100.0012/29/2010 9:27:34 AM
newest-generous-income$25.0012/29/2010 9:27:54 AM
organized-payment6$50.0012/29/2010 9:27:57 AM
Aberdeen$10,000.0012/29/2010 9:31:42 AM
RockCrown$50.0012/29/2010 9:28:01 AM
UKloanfella$50.0012/29/2010 9:28:08 AM
reward-motion$50.0012/29/2010 9:28:19 AM
bokonon$50.0012/29/2010 9:28:16 AM
whiteshadow$50.0012/29/2010 9:28:31 AM
aasx1108$25.0012/29/2010 9:28:44 AM
freshdiet$100.0012/29/2010 9:28:37 AM
authoritative-truth$50.0012/29/2010 9:28:53 AM
BabyLender$25.0012/29/2010 9:29:01 AM
cognizant-rate732$25.0012/29/2010 9:28:50 AM
progressive-silver028$50.0012/29/2010 9:28:57 AM
louisprima$100.0012/29/2010 9:29:16 AM
Steveoo1$50.0012/29/2010 9:29:04 AM
resource777$50.0012/29/2010 9:29:46 AM
degster$25.0012/29/2010 9:29:49 AM
inforapenny$50.0012/29/2010 9:29:42 AM
tekkie2412$50.0012/29/2010 9:29:52 AM
Sixmil$75.0012/29/2010 9:29:57 AM
dkmnygvr$25.0012/29/2010 9:30:03 AM
DonaldColorado$100.0012/29/2010 9:30:28 AM
kenji4861$50.0012/29/2010 9:30:40 AM
logical-reward8$25.0012/29/2010 9:30:47 AM
reward-tamale1$25.0012/29/2010 9:30:54 AM
swiftsoul$25.0012/29/2010 9:31:00 AM
gigabit$25.0012/29/2010 9:31:02 AM
dtrain5$50.0012/29/2010 9:31:15 AM
pseudokris$25.0012/29/2010 9:31:11 AM
reward-planetarium$50.0012/29/2010 9:31:25 AM
ultimatepaintball$25.0012/29/2010 9:31:21 AM
111 Investments
 
Borrower Payment Dependent Notes Series 489356
This series of Notes was issued and sold upon the funding of the borrower loan #46370, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: AA Listing Duration: 14 days
Partially Funded: no Estimated loss*: 1.55% Listing Start date:  Dec-29-2010 
Term: 36 months Listing End date:  Dec-29-2010 
 
Lender yield: 7.00% Borrower rate/APR: 8.00% / 8.34% Monthly payment: $188.02
 
Lender servicing fee: 1.00% Effective Yield*: 7.00%  
Estimated return*: 5.45%  
* 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: Dec-1999 Debt/Income ratio: 22%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 18 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,983Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: No  
Screen name: commitment-captain 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
commitment-captain
Purpose of loan: This loan will be used to pay off credit card debt while I go back to school part time to become a certified public accountant. My financial situation: I am a good candidate for this loan because I have already attained one masters, and feel confident that with some added financial support I will be able to switch professions from not-for-profit management to accounting services. Additionally, I took out a personal loan with a close friend 4 years ago at 10% annually compounded interest, and paid it off in less than 3 years. Monthly net income: $2,800 Monthly expenses: $2,107 Housing: $837 Insurance: $0 Car expenses: $0 Utilities: $70 Phone, cable, internet: $100 Food, entertainment: $300 Clothing, household expenses $100 Credit cards and other loans: $600 Other expenses: $100
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
InvestorAmountInvestment Date (PT)
dharma1$25.0012/29/2010 9:25:38 AM
cyonamine$25.0012/29/2010 9:26:03 AM
blot44$25.0012/29/2010 9:27:39 AM
sadani$25.0012/29/2010 9:28:09 AM
cognizant-rate732$25.0012/29/2010 9:28:51 AM
progressive-silver028$50.0012/29/2010 9:28:59 AM
julijask$35.0012/29/2010 9:25:56 AM
paytonbrigadier$250.0012/29/2010 9:29:20 AM
Guiren$100.0012/29/2010 9:25:43 AM
inforapenny$50.0012/29/2010 9:29:43 AM
Woodworker57$25.0012/29/2010 9:26:50 AM
indomitable-coin$100.0012/29/2010 9:30:42 AM
first-upright-payout$25.0012/29/2010 9:26:49 AM
WealthBoy$50.0012/29/2010 9:26:58 AM
logical-reward8$25.0012/29/2010 9:30:47 AM
radforj22$50.0012/29/2010 9:26:54 AM
compoundinterest$50.0012/29/2010 9:30:52 AM
satisfying-durability$25.0012/29/2010 9:26:59 AM
reward-tamale1$25.0012/29/2010 9:30:55 AM
dtrain5$50.0012/29/2010 9:31:16 AM
Artist_Blue$25.0012/29/2010 9:27:26 AM
thedoctor$50.0012/29/2010 9:27:19 AM
narblark$100.0012/29/2010 9:27:35 AM
skuba$50.0012/29/2010 9:27:25 AM
ray1051$25.0012/29/2010 9:27:41 AM
newest-generous-income$25.0012/29/2010 9:27:55 AM
organized-payment6$50.0012/29/2010 9:27:58 AM
Barrayaran$25.0012/29/2010 9:27:59 AM
sensible-trade$50.0012/29/2010 9:28:07 AM
NMGbank$25.0012/29/2010 9:31:52 AM
mathprof$25.0012/29/2010 9:28:14 AM
minista$25.0012/29/2010 9:28:25 AM
reward-motion$50.0012/29/2010 9:28:20 AM
whiteshadow$50.0012/29/2010 9:28:34 AM
jt88$50.0012/29/2010 9:28:49 AM
kindness-dessert$25.0012/29/2010 9:28:56 AM
authoritative-truth$50.0012/29/2010 9:28:54 AM
alpinaut$25.0012/29/2010 9:29:12 AM
anwn$25.0012/29/2010 9:29:03 AM
bornsucka$25.0012/29/2010 9:33:52 AM
resource777$50.0012/29/2010 9:29:47 AM
myworld701$25.0012/29/2010 9:29:45 AM
Planecourage$25.0012/29/2010 9:29:55 AM
reinforced-marketplace3$250.0012/29/2010 9:30:14 AM
Sixmil$75.0012/29/2010 9:29:59 AM
dkmnygvr$25.0012/29/2010 9:30:05 AM
daddypro$25.0012/29/2010 9:30:37 AM
SourDoughSteve$25.0012/29/2010 9:30:45 AM
heroic-platinum$25.0012/29/2010 9:30:49 AM
Zoomie$25.0012/29/2010 9:31:07 AM
luckyldy$50.0012/29/2010 9:31:19 AM
shamrocker$25.0012/29/2010 9:31:20 AM
ommcd$25.0012/29/2010 9:31:57 AM
shadowflame_99$25.0012/29/2010 9:32:02 AM
octoberfresh$25.0012/29/2010 9:31:50 AM
bds9646$26.0012/29/2010 9:32:07 AM
ChicoBob$35.3012/29/2010 9:31:53 AM
buckeye9$50.0012/29/2010 9:32:17 AM
cash-boots$25.0012/29/2010 9:32:05 AM
vigilance-revolutionary$50.0012/29/2010 9:32:22 AM
xphile$25.0012/29/2010 9:32:11 AM
sensational-kindness$50.0012/29/2010 9:32:21 AM
RandyL3$25.0012/29/2010 9:33:17 AM
WLenders$50.0012/29/2010 9:33:25 AM
Akita-Inu$25.0012/29/2010 9:33:32 AM
kmwvma$25.0012/29/2010 9:33:50 AM
janus_god$25.0012/29/2010 9:33:43 AM
Touchette$25.0012/29/2010 9:33:56 AM
invest-in-ed$100.0012/29/2010 9:33:59 AM
selector568$400.0012/29/2010 9:34:16 AM
FlexFunding$100.0012/29/2010 9:26:34 AM
cebgop$25.0012/29/2010 9:27:31 AM
RockCrown$25.0012/29/2010 9:28:02 AM
bokonon$50.0012/29/2010 9:28:17 AM
spenrod$37.8212/29/2010 9:28:22 AM
freshdiet$100.0012/29/2010 9:28:39 AM
generous-deal6$50.0012/29/2010 9:25:46 AM
Steveoo1$37.7412/29/2010 9:29:05 AM
slartibardfast$25.0012/29/2010 9:29:08 AM
kulender$50.0012/29/2010 9:29:15 AM
violaetain$50.0012/29/2010 9:29:51 AM
GElender$50.0012/29/2010 9:30:06 AM
Slend49$25.0012/29/2010 9:30:08 AM
DonaldColorado$100.0012/29/2010 9:30:27 AM
commerce-voyager$25.0012/29/2010 9:26:56 AM
swiftsoul$25.0012/29/2010 9:31:01 AM
CBO-Enterprise$100.0012/29/2010 9:27:17 AM
ultimatepaintball$25.0012/29/2010 9:31:22 AM
funds-rascal$50.0012/29/2010 9:27:22 AM
reward-planetarium$50.0012/29/2010 9:31:26 AM
investment-comet$25.0012/29/2010 9:27:48 AM
rss197$25.0012/29/2010 9:27:43 AM
power-trophy7$50.0012/29/2010 9:27:52 AM
a-exponential-hope$25.0012/29/2010 9:28:04 AM
balance-voyager$50.0012/29/2010 9:31:49 AM
UKloanfella$50.0012/29/2010 9:28:10 AM
Bobafet$25.0012/29/2010 9:32:08 AM
money-vista$50.0012/29/2010 9:32:20 AM
aasx1108$25.0012/29/2010 9:28:45 AM
tech310$50.0012/29/2010 9:29:07 AM
Emgolda$25.0012/29/2010 9:29:27 AM
louisprima$100.0012/29/2010 9:29:18 AM
Phantom99$100.0012/29/2010 9:33:22 AM
life-is-great$50.0012/29/2010 9:29:41 AM
Truckie-FD$50.0012/29/2010 9:29:22 AM
TJ-Financial-Group$25.0012/29/2010 9:33:41 AM
speyer$25.0012/29/2010 9:29:32 AM
tntmojave$25.0012/29/2010 9:34:02 AM
meux99$25.0012/29/2010 9:30:02 AM
tekkie2412$50.0012/29/2010 9:29:53 AM
orbital-loot333$25.0012/29/2010 9:30:10 AM
justice-dna$35.0012/29/2010 9:30:19 AM
meenan$50.0012/29/2010 9:30:24 AM
BankingFamily$50.0012/29/2010 9:30:26 AM
kenji4861$50.0012/29/2010 9:30:41 AM
Swabjockey$25.0012/29/2010 9:30:46 AM
eloquent-dime416$50.0012/29/2010 9:30:53 AM
lender987654321$25.0012/29/2010 9:30:57 AM
flexible-value$50.0012/29/2010 9:31:14 AM
tolstoy00$25.0012/29/2010 9:31:51 AM
adhawan325$25.0012/29/2010 9:31:59 AM
pawsitive$50.0012/29/2010 9:32:06 AM
newest-funds-powerplant$25.0012/29/2010 9:31:51 AM
corndog4000$50.0012/29/2010 9:32:12 AM
didi2904$25.0012/29/2010 9:32:04 AM
munnu$25.0012/29/2010 9:32:19 AM
OoM$25.0012/29/2010 9:32:10 AM
revmax$50.0012/29/2010 9:32:15 AM
randomguy100$50.0012/29/2010 9:33:27 AM
rmachi$25.0012/29/2010 9:33:34 AM
soheagle$50.0012/29/2010 9:33:40 AM
rate-coup9$50.0012/29/2010 9:33:55 AM
jjb3$30.0012/29/2010 9:33:46 AM
kind-adventurous-finance$50.0012/29/2010 9:34:06 AM
134 Investments
 
Borrower Payment Dependent Notes Series 489386
This series of Notes was issued and sold upon the funding of the borrower loan #46480, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: A Listing Duration: 14 days
Partially Funded: no Estimated loss*: 3.50% Listing Start date:  Dec-30-2010 
Term: 36 months Listing End date:  Dec-30-2010 
 
Lender yield: 9.95% Borrower rate/APR: 10.95% / 13.07% Monthly payment: $163.58
 
Lender servicing fee: 1.00% Effective Yield*: 9.92%  
Estimated return*: 6.42%  
* 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-1999 Debt/Income ratio: 14%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 28 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,095Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: Yes  
Screen name: blue-poetic-income 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
CONSOLIDATION
Purpose of loan:
This loan will be used to? TO GET THINGS PAID OFF AND CURRENT ON REMAINING BILLS DO TO A JOB LOSS IN AUGUST.? I WAS DRAWING UNEMPLOYMENT FOR 2 MTHS AND GOT HIT WITH EXPENSE THAT I DIDNT EXPECT

My financial situation:
I am a good candidate for this loan because? I HAVE ALWAYS TRIED TO BE ON TIME WITH PAYMENTS AND MAKE SURE THAT PAYMENTS ARE MADE PRIOR TO ANY SPENDING THAT IS NOT NECESSARY.? I AM VERY CONCIENENCE ABOUT MAKEING SURE THAT MY BILLS ARE PAID ON TIME. VERY DEPENDABLE AND RESPONSIBLE
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
InvestorAmountInvestment Date (PT)
violaetain$50.0012/30/2010 9:28:35 AM
radforj22$25.0012/30/2010 9:29:09 AM
jazzlender$50.0012/30/2010 9:27:09 AM
GElender$50.0012/30/2010 9:31:02 AM
kulender$43.4612/30/2010 9:27:35 AM
five-star-responsibility0$50.0012/30/2010 9:27:54 AM
rss197$25.0012/30/2010 9:28:59 AM
enthralling-deal180$50.0012/30/2010 9:29:16 AM
newest-generous-income$25.0012/30/2010 9:33:50 AM
Havana21$200.0012/30/2010 9:31:46 AM
hopeful-truth5$100.0012/30/2010 9:35:55 AM
Barak$100.0012/30/2010 9:36:26 AM
platinum-genetics$25.0012/30/2010 9:37:35 AM
seanambrose$25.0012/30/2010 9:38:55 AM
organized-payment6$50.0012/30/2010 9:34:30 AM
SNH$100.0012/30/2010 9:39:32 AM
tolerant-dinero2$25.0012/30/2010 9:40:15 AM
ROCKI9$50.0012/30/2010 9:40:32 AM
Bank_Of_XL$25.0012/30/2010 9:34:51 AM
RoyFauntleroy$50.0012/30/2010 9:36:04 AM
ultimatepaintball$25.0012/30/2010 9:41:06 AM
j2ee$25.0012/30/2010 9:41:35 AM
tech310$50.0012/30/2010 9:36:59 AM
credit-investor5$25.0012/30/2010 9:42:50 AM
meenan$29.7312/30/2010 9:37:25 AM
power-trophy7$25.0012/30/2010 9:39:19 AM
mike279766$25.0012/30/2010 9:44:50 AM
teller$25.0012/30/2010 9:40:03 AM
fcukciti$25.0012/30/2010 9:45:12 AM
Pendruce$25.0012/30/2010 9:48:15 AM
C_Mark$50.0012/30/2010 9:40:24 AM
twerns$40.0012/30/2010 10:26:56 AM
Ricajote$25.0012/30/2010 10:28:52 AM
enigmallc$25.0012/30/2010 9:42:27 AM
worldly-community3$35.0012/30/2010 9:43:31 AM
circustab$50.0012/30/2010 10:55:33 AM
dunedin$25.0012/30/2010 9:45:42 AM
building_community$25.0012/30/2010 9:46:23 AM
Philosonie$25.0012/30/2010 9:45:24 AM
otalon$30.0012/30/2010 11:19:35 AM
Cherrypicker$50.0012/30/2010 11:26:58 AM
payment-halo$25.0012/30/2010 9:48:47 AM
traveler50$25.0012/30/2010 9:46:08 AM
JedClampett$75.0012/30/2010 11:51:27 AM
Dreams4Cash$25.0012/30/2010 9:46:43 AM
icchok$50.0012/30/2010 9:53:24 AM
newest-funds-powerplant$25.0012/30/2010 9:57:02 AM
leverage-monger$41.0012/30/2010 10:28:22 AM
debugger$25.0012/30/2010 10:44:55 AM
wwwUniversal$25.0012/30/2010 10:48:45 AM
vigilance-searcher$25.0012/30/2010 11:01:26 AM
Laserbank$50.0012/30/2010 10:51:42 AM
El_Maestro$25.0012/30/2010 11:12:33 AM
pshans$100.0012/30/2010 12:27:33 PM
Jcardone33$25.0012/30/2010 11:25:27 AM
Mav26$59.0712/30/2010 11:53:33 AM
wild-orange$25.0012/30/2010 12:13:50 PM
velocity-onator$25.0012/30/2010 12:19:41 PM
OnePoorDude$33.2112/30/2010 9:30:11 AM
AiriusTorpora$25.0012/30/2010 9:30:42 AM
Jassi$25.0012/30/2010 9:27:44 AM
orgy63$50.0012/30/2010 9:31:11 AM
midifool$25.0012/30/2010 9:28:21 AM
payout-banker4$25.0012/30/2010 9:28:49 AM
DUDE66$50.0012/30/2010 9:29:51 AM
handshake5$100.0012/30/2010 9:30:14 AM
pound-beast4$50.0012/30/2010 9:34:48 AM
responsibility-cherry6$50.0012/30/2010 9:37:48 AM
ray1051$50.0012/30/2010 9:34:27 AM
munnu$25.0012/30/2010 9:34:40 AM
skuba$50.0012/30/2010 9:35:18 AM
ASR3$35.0012/30/2010 9:35:38 AM
credit-kahuna$50.0012/30/2010 9:35:02 AM
revenue-achievement$25.0012/30/2010 9:36:38 AM
reflective-rupee$300.0012/30/2010 9:36:13 AM
panther757$25.0012/30/2010 9:36:47 AM
paytonbrigadier$250.0012/30/2010 9:43:19 AM
vutah$50.0012/30/2010 9:44:39 AM
riskreward$100.0012/30/2010 9:38:39 AM
investment-comet$25.0012/30/2010 9:39:10 AM
Investoman$100.0012/30/2010 9:39:43 AM
JustMee$25.0012/30/2010 9:49:38 AM
tender-integrity3$100.0012/30/2010 9:40:47 AM
SimpleChoice$25.0012/30/2010 9:41:54 AM
janus_god$25.0012/30/2010 9:52:15 AM
powerful-finance7$25.0012/30/2010 9:40:59 AM
RandyL3$25.0012/30/2010 9:52:50 AM
ava2009$50.0012/30/2010 9:42:44 AM
drewfus31$50.0012/30/2010 10:43:29 AM
dma1206$25.0012/30/2010 10:48:42 AM
forthright-principal2$25.0012/30/2010 10:55:36 AM
TSC$100.0012/30/2010 9:45:26 AM
accountant41$25.0012/30/2010 9:46:02 AM
radiant-return$25.0012/30/2010 9:46:33 AM
elvisloans$25.0012/30/2010 11:23:41 AM
youthful-greenback3$25.0012/30/2010 9:51:45 AM
Richmp412$25.0012/30/2010 12:32:30 PM
eldorado71$25.0012/30/2010 10:06:13 AM
DasMula$25.0012/30/2010 9:58:20 AM
goodhearted-basis4$25.0012/30/2010 10:19:35 AM
Leshan$25.0012/30/2010 10:30:17 AM
Torero06$25.0012/30/2010 10:31:06 AM
mammalian4$25.0012/30/2010 10:49:24 AM
cash-queen$25.0012/30/2010 10:51:29 AM
FundMaker$25.0012/30/2010 11:13:53 AM
wealth-comet694$25.0012/30/2010 11:22:22 AM
Aragorn$29.4212/30/2010 10:58:48 AM
dammage$28.3912/30/2010 11:51:43 AM
johnayan$50.0012/30/2010 11:04:33 AM
richboy56$25.0012/30/2010 12:00:37 PM
bizzzond$25.0012/30/2010 12:21:49 PM
otalon$30.2612/30/2010 11:19:08 AM
GBlack$25.0012/30/2010 12:26:02 PM
Johnab$25.0012/30/2010 12:09:55 PM
114 Investments
 
Borrower Payment Dependent Notes Series 489414
This series of Notes was issued and sold upon the funding of the borrower loan #46425, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Partially Funded: no Estimated loss*: 3.25% Listing Start date:  Jan-03-2011 
Term: 36 months Listing End date:  Jan-05-2011 
 
Lender yield: 9.55% Borrower rate/APR: 10.55% / 12.66% Monthly payment: $487.89
 
Lender servicing fee: 1.00% Effective Yield*: 9.52%  
Estimated return*: 6.27%  
* 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-2000 Debt/Income ratio: 20%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 32 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,361Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: Yes  
Screen name: usc2001 Borrower's state: SouthCarolina 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: 14 ( 100% ) 760-779 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
760-779 (Oct-2009)
 
Principal balance: $1,870.47 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
Refinance Business Debt
Purpose of loan:
I have approximately $15,000 in business debt that I'd like to refinance at a lower interest rate.? This debt is related to computer servers purchased which are then rented to customers on a monthly basis.? It is currently financed with Advanta.

My financial situation:
I am a good candidate for this loan because my business is profitable and is growing significantly.? I have no revolving debt that is not paid off every month.? I have approximately $50,000 in personal liquid assets and the business has about $60,000 in equipment.? The income listed here is from my primary job and does not include the income from the business, which is approximately an additional $25,000 to $35,000 per year.
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
InvestorAmountInvestment Date (PT)
five-star-responsibility0$50.001/3/2011 10:04:39 AM
gold-blanket0$50.001/3/2011 10:07:14 AM
orgy63$50.001/3/2011 10:03:51 AM
red-unequivocal-finance$25.001/3/2011 10:04:56 AM
ray1051$50.001/3/2011 10:08:43 AM
Barak$100.001/3/2011 10:08:53 AM
TSC$100.001/3/2011 10:09:27 AM
adaptable-camaraderi$50.001/3/2011 10:09:54 AM
a-responsible-return$50.001/3/2011 10:10:37 AM
rss197$25.001/3/2011 10:08:26 AM
bold-treasure-neutrino$50.001/3/2011 10:11:03 AM
sci_guy$25.001/3/2011 10:12:07 AM
building_community$25.001/3/2011 10:09:29 AM
likeable-leverage5$250.001/3/2011 10:09:56 AM
dunox$25.001/3/2011 10:12:42 AM
SimpleChoice$25.001/3/2011 10:22:23 AM
wise-dedicated-power$25.001/3/2011 10:05:41 AM
Feyenoord$25.001/3/2011 10:07:09 AM
hidavehi$39.001/3/2011 10:07:12 AM
radforj22$25.001/3/2011 10:07:46 AM
enthralling-deal180$50.001/3/2011 10:08:20 AM
the-transaction-stronghold$25.001/3/2011 11:00:36 AM
Eastern$50.001/3/2011 10:09:44 AM
brandilton$25.001/3/2011 10:10:08 AM
zaquiri_ice$25.001/3/2011 11:40:57 AM
rachelrachelrachel$25.001/3/2011 10:12:24 AM
accountant41$25.001/3/2011 11:40:54 AM
indomitable-coin$100.001/3/2011 10:13:13 AM
Anny-Disco$50.001/3/2011 10:13:46 AM
hopethisworks$50.001/3/2011 10:32:29 AM
DasMula$25.001/3/2011 3:15:17 PM
PrivateLender$25.001/3/2011 2:40:46 PM
thankful-nickel2$25.001/3/2011 2:46:09 PM
und-alum$50.001/3/2011 12:41:22 PM
b1geasy$25.001/3/2011 3:15:27 PM
chris-heretoinvest$25.001/3/2011 7:12:23 PM
penny-finder$34.431/3/2011 7:26:00 PM
sarisai$50.001/3/2011 7:55:45 PM
hopeful-truth5$100.001/3/2011 5:44:45 PM
MoneyFarm$50.001/3/2011 4:51:20 PM
hedgebaby$25.001/4/2011 4:59:50 AM
ingenious-order783$25.001/4/2011 7:54:42 AM
astute-investment5$25.001/4/2011 7:55:39 AM
InvestorPartners$25.001/4/2011 2:51:20 AM
jonn834$25.001/4/2011 5:35:59 AM
hawk357$25.001/4/2011 9:02:32 AM
SCD$25.001/4/2011 3:17:24 AM
nalaari$25.001/4/2011 6:46:01 AM
GatorsFan$50.001/4/2011 9:11:34 AM
thegobbler$25.001/4/2011 7:44:05 AM
julijask$39.101/4/2011 4:18:24 AM
Champion_Lending$25.001/4/2011 8:43:13 AM
southIT$25.001/4/2011 9:21:40 AM
dpdn57$25.001/4/2011 7:54:32 AM
goodhearted-gold3$50.001/4/2011 8:16:47 AM
rjrventure$50.001/4/2011 8:39:15 AM
loosd$38.541/4/2011 9:54:50 AM
gold-conga$50.001/4/2011 11:00:15 AM
Global2011$50.001/4/2011 10:31:04 AM
bizzzond$50.001/4/2011 2:31:44 PM
dinero-speaker$25.001/4/2011 1:11:02 PM
bnoble09$50.001/4/2011 2:58:33 PM
GElender$50.001/4/2011 1:41:23 PM
CACO_Lender$25.001/4/2011 1:52:19 PM
the-enterprising-leverage$25.001/4/2011 11:43:24 AM
SecondChanceLendingSERV$50.001/4/2011 1:09:10 PM
bigphish$25.001/4/2011 1:27:49 PM
PrivateLenders$25.001/4/2011 1:41:41 PM
smallbizrule$25.001/4/2011 2:09:37 PM
investment-comet$25.001/4/2011 4:39:16 PM
payout-reaction740$25.001/4/2011 5:10:30 PM
wealth-competitor$25.001/4/2011 4:20:55 PM
studious-bonus7$100.001/4/2011 4:39:21 PM
Jinja$25.001/4/2011 5:04:21 PM
Richmp412$25.001/4/2011 5:06:22 PM
rate-mogul$30.001/4/2011 5:51:10 PM
hayhelp$25.001/4/2011 5:52:10 PM
ttnk62918$25.001/4/2011 5:53:32 PM
RailroadKen$50.001/4/2011 6:15:41 PM
RoyFauntleroy$50.001/4/2011 5:54:19 PM
Reddy_Capital$25.001/4/2011 6:17:21 PM
ASR3$35.001/4/2011 5:54:27 PM
lostontheedge$25.001/4/2011 5:55:36 PM
epic-interest0$25.001/4/2011 6:45:26 PM
wwwUniversal$25.001/4/2011 6:18:07 PM
tntmojave$25.001/4/2011 5:48:51 PM
kulender$50.001/4/2011 5:50:51 PM
Tradesmanlender$35.001/4/2011 5:52:19 PM
commerce-yeller$25.001/4/2011 9:17:34 PM
dilbert17$50.001/4/2011 7:25:43 PM
revenue-achievement$25.001/4/2011 9:37:15 PM
williemc44$25.001/4/2011 9:37:31 PM
msfitzge$25.001/4/2011 10:17:00 PM
nycfinance$25.001/5/2011 12:45:08 AM
dsgfl1$100.001/4/2011 9:32:52 PM
rmachi$25.001/5/2011 12:50:05 AM
fortytwo$74.991/5/2011 12:51:40 AM
BanqueDeD$25.001/5/2011 1:00:20 AM
MoneyBagsRUs$25.001/5/2011 1:22:23 AM
tomdooley12520$25.001/4/2011 6:12:27 PM
hardwareman$25.001/5/2011 1:26:00 AM
irrelevant$25.001/5/2011 1:30:13 AM
panther757$25.001/4/2011 9:37:16 PM
visionary-currency$25.841/5/2011 1:50:33 AM
successful-agreement7$37.381/5/2011 1:51:15 AM
Dan4703$25.001/5/2011 3:51:17 AM
hard-working-reward2$25.631/4/2011 11:17:15 PM
Lendomatic$25.001/5/2011 12:26:10 AM
WindyKid$25.001/5/2011 1:01:06 AM
mammalian4$25.001/4/2011 7:33:28 PM
chlebie$25.001/5/2011 1:24:20 AM
ferdberfel$32.371/5/2011 1:27:55 AM
flwah$25.001/5/2011 1:29:55 AM
ptjg$25.741/5/2011 1:32:30 AM
discrete-asset$25.001/5/2011 1:50:30 AM
scrappy-bonus2$25.001/5/2011 1:51:19 AM
authentic-liberty7$25.001/5/2011 1:54:03 AM
WeAlNe$25.001/5/2011 4:24:10 AM
Digs$25.001/4/2011 9:32:14 PM
Investoman$100.001/4/2011 9:37:02 PM
djmjkelso$25.001/4/2011 9:55:36 PM
DrStaff$28.571/5/2011 12:48:13 AM
sjlnn$25.301/5/2011 12:59:38 AM
stollcm$25.001/5/2011 1:01:33 AM
ClearLake$25.001/5/2011 1:05:40 AM
GradStudent34$25.001/5/2011 1:24:43 AM
agiovasil$25.001/5/2011 1:26:46 AM
pbo922$25.001/5/2011 1:28:00 AM
lawyervon$25.001/5/2011 1:29:20 AM
social-comet7$25.001/5/2011 1:43:25 AM
gold-channel2$50.001/3/2011 10:06:49 AM
handshake5$100.001/3/2011 10:08:15 AM
Aberdeen$4,000.001/3/2011 10:06:04 AM
riskreward$100.001/3/2011 10:09:04 AM
icchok$50.001/3/2011 10:09:37 AM
selector568$400.001/3/2011 10:07:54 AM
rangers94$25.001/3/2011 10:10:39 AM
tech310$50.001/3/2011 10:08:09 AM
nilonc1$100.001/3/2011 10:11:12 AM
fcukciti$25.001/3/2011 10:09:21 AM
hrubinst$50.001/3/2011 10:09:48 AM
panegryst$25.001/3/2011 10:12:26 AM
andyb9$50.001/3/2011 10:12:34 AM
Banker7371$25.001/3/2011 10:13:20 AM
6moonbeams$50.001/3/2011 10:11:25 AM
fightinjoe$50.001/3/2011 10:11:33 AM
buckyhead2000$25.001/3/2011 10:22:07 AM
Astyanax$50.001/3/2011 10:12:18 AM
jamiee73$25.001/3/2011 10:13:28 AM
sensational-dinero6$50.001/3/2011 10:14:00 AM
MoneyForNothing$33.331/3/2011 10:04:53 AM
credit-investor5$25.001/3/2011 10:05:26 AM
Havana21$200.001/3/2011 10:08:36 AM
tolerant-dinero2$25.001/3/2011 10:09:13 AM
organized-payment6$50.001/3/2011 10:10:58 AM
ava2009$50.001/3/2011 11:40:52 AM
Artist_Blue$25.001/3/2011 10:11:54 AM
NorthernFunds$50.001/3/2011 10:12:46 AM
Spinnaker$50.001/3/2011 12:36:44 PM
interest-exec9$25.001/3/2011 1:14:31 PM
loanman2007$200.001/3/2011 10:46:19 AM
PrivateLender$25.001/3/2011 2:40:44 PM
restless-currency$41.011/3/2011 3:25:34 PM
astute-benjamins$100.001/3/2011 3:35:10 PM
zeelender$25.001/3/2011 4:00:38 PM
KarmaBum77$25.001/3/2011 4:05:45 PM
patriot897$50.001/3/2011 3:42:44 PM
Bank_Of_XL$25.001/3/2011 4:34:49 PM
chicagobear23$50.001/3/2011 5:15:47 PM
basejump0$25.001/3/2011 10:52:50 PM
syounker$25.001/3/2011 6:23:00 PM
ultimatepaintball$25.001/4/2011 4:20:45 AM
colorfulgardener$25.001/4/2011 6:38:42 AM
Hartfelt$25.001/3/2011 10:29:15 PM
american6$50.001/4/2011 1:06:04 AM
RainMakers$25.001/4/2011 5:21:06 AM
ColoradoLender82$25.001/4/2011 8:49:25 AM
FundMaker$25.001/4/2011 6:20:38 AM
mikeandcat$100.001/4/2011 9:27:37 AM
deal-zoo$50.001/4/2011 9:31:46 AM
EJO$25.001/4/2011 8:08:16 AM
stoopidnoodle$25.001/4/2011 8:34:59 AM
twjh$25.001/4/2011 4:44:14 AM
ProjectVenture$50.001/4/2011 5:08:59 AM
new0rleans$25.001/4/2011 8:52:31 AM
ronin4sale$25.001/4/2011 8:55:29 AM
octoberfresh$25.001/4/2011 7:51:20 AM
Leshan$200.001/4/2011 8:12:33 AM
eagle1271$25.001/4/2011 8:16:10 AM
rjrventure$50.001/4/2011 8:39:55 AM
jstnow$25.001/4/2011 10:16:06 AM
tender-integrity3$100.001/4/2011 1:41:12 PM
rdrloan$50.001/4/2011 1:44:59 PM
Income-Scout$150.001/4/2011 10:31:21 AM
Wittlich$100.001/4/2011 2:27:01 PM
listing-trapper3$75.001/4/2011 11:16:03 AM
rogue_monster$50.001/4/2011 1:41:31 PM
IOWA$50.001/4/2011 11:43:42 AM
revenue-appraiser$25.001/4/2011 2:26:36 PM
Attract$25.001/4/2011 1:37:24 PM
asset-reaction$25.001/4/2011 3:23:36 PM
Ambassador$50.001/4/2011 1:40:35 PM
sweety075$25.001/4/2011 3:15:03 PM
brother_tam$50.001/4/2011 4:38:20 PM
hunterMG$25.001/4/2011 4:03:07 PM
Brown98$25.001/4/2011 4:13:33 PM
Lam0nt$25.001/4/2011 5:21:38 PM
mkl42$50.001/4/2011 5:47:29 PM
hidavehi$25.011/4/2011 5:35:59 PM
powerful-finance7$25.001/4/2011 5:53:39 PM
skuba$50.001/4/2011 5:54:23 PM
bayareainv$45.551/4/2011 4:39:15 PM
mar97$50.001/4/2011 4:51:36 PM
jazzlender$25.001/4/2011 5:50:42 PM
dma1206$25.001/4/2011 6:17:40 PM
economy-beast$25.001/4/2011 6:43:55 PM
WilliamLeeSims$25.001/4/2011 5:47:53 PM
important-ore$75.001/4/2011 8:15:45 PM
joyful-felicity$90.001/4/2011 7:13:24 PM
responsibility-cherry6$50.001/4/2011 9:37:03 PM
credit-kahuna$50.001/4/2011 5:54:14 PM
SNH$100.001/4/2011 9:37:23 PM
philantist$25.001/4/2011 7:50:02 PM
MonkeyHero$25.001/4/2011 10:07:46 PM
just-trade$34.181/4/2011 9:32:37 PM
credit-panda1$30.001/5/2011 12:46:41 AM
Breakfast_Gypsy$25.001/5/2011 1:00:10 AM
Badsland$50.001/4/2011 6:10:55 PM
MakoF16$26.411/5/2011 1:02:26 AM
lovelongandprosper$26.411/5/2011 1:05:53 AM
Ivan2007$44.531/5/2011 1:10:51 AM
payout-banker4$25.001/4/2011 9:35:55 PM
redrock007$26.821/5/2011 1:25:08 AM
ROCKI9$35.001/4/2011 9:37:01 PM
hanuman77$31.971/5/2011 1:28:12 AM
platinum-genetics$25.001/4/2011 9:37:18 PM
orange-dollar-guild$25.001/4/2011 9:37:34 PM
wampum-optimization$29.551/5/2011 1:50:54 AM
LongTail$25.001/4/2011 10:05:36 PM
MarcusOcean$25.001/4/2011 6:45:39 PM
jcw3rd$25.001/5/2011 3:37:15 AM
vigilance-accruer$25.001/4/2011 10:56:11 PM
saschar$25.001/5/2011 5:35:11 AM
munnu$25.001/5/2011 12:51:57 AM
rlaboy$25.001/5/2011 5:38:49 AM
IIP77$25.001/5/2011 1:06:00 AM
mister_waffle$25.001/5/2011 1:08:22 AM
BenOrt$50.001/4/2011 8:15:41 PM
Palacios$25.471/5/2011 1:32:43 AM
calm-deal7$25.001/5/2011 1:51:32 AM
camaraderi-workhorse$25.001/5/2011 1:54:36 AM
inspired-investment8$100.001/4/2011 9:21:29 PM
money-bauble$25.001/4/2011 9:37:26 PM
Divr555$50.001/4/2011 10:28:12 PM
Januck$52.011/4/2011 11:34:37 PM
13nd3r$25.001/5/2011 12:46:52 AM
Interloper$25.001/5/2011 12:51:23 AM
coolnatkat$26.511/5/2011 1:01:22 AM
Dazz2061$25.001/5/2011 1:10:36 AM
slyder61$25.001/5/2011 1:27:14 AM
imlosttoo$25.001/5/2011 1:29:04 AM
RSV$25.001/5/2011 1:29:45 AM
commitment-farm$25.001/5/2011 1:42:54 AM
neutrino6$25.001/5/2011 1:50:50 AM
valiant-liberty4$25.001/5/2011 1:51:10 AM
Elbanko$25.001/5/2011 3:20:11 AM
266 Investments
 
Borrower Payment Dependent Notes Series 489554
This series of Notes was issued and sold upon the funding of the borrower loan #46373, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: E Listing Duration: 14 days
Partially Funded: no Estimated loss*: 14.20% Listing Start date:  Dec-31-2010 
Term: 36 months Listing End date:  Jan-02-2011 
 
Lender yield: 31.20% Borrower rate/APR: 32.20% / 35.86% Monthly payment: $109.16
 
Lender servicing fee: 1.00% Effective Yield*: 29.77%  
Estimated return*: 15.57%  
* 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: Apr-1984 Debt/Income ratio: 3%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 1 / 0Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 11 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: unassuming-dough 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
Getting Back On Track
Purpose of loan:
This loan will be used to?
Consolidate debt
My financial situation:
I am a good candidate for this loan because?
Once I get a handle on the finances I will definitely pay on time.
Monthly net income: $ 40,880.

Monthly expenses: $ 1882.00
??Housing: $983.00
??Insurance: $ 100.00
??Car expenses: $ 200.00
??Utilities: $ 50..00
??Phone, cable, internet: $ 124.
??Food, entertainment: $ 150
??Clothing, household expenses $ 25.
??Credit cards and other loans: $ 250.
??Other expenses: $
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
InvestorAmountInvestment Date (PT)
handshake5$100.0012/31/2010 1:26:08 PM
Investoman$50.0012/31/2010 1:27:07 PM
JPMorrisLegacyFund$100.0012/31/2010 1:27:13 PM
pembull$27.1712/31/2010 1:25:58 PM
diplomatic-wealth7$25.0012/31/2010 1:32:41 PM
vine99$40.0012/31/2010 3:05:54 PM
realtormoises$25.0012/31/2010 3:19:16 PM
Turtlebear44$50.0012/31/2010 2:54:37 PM
IASKGOD$25.0012/31/2010 5:03:29 PM
Bob450$25.001/1/2011 9:01:16 AM
reflective-rupee$250.001/1/2011 9:51:24 AM
trade-surge3$26.001/1/2011 11:23:27 AM
goodhearted-basis4$25.001/1/2011 1:03:55 AM
musegaze$50.001/1/2011 11:27:48 AM
SolarMoonshine$25.001/1/2011 5:37:35 PM
Rdodson11$25.001/2/2011 9:11:07 AM
five-star-note$100.001/2/2011 11:12:44 AM
Amber_Stone$25.001/1/2011 6:26:27 PM
dudebrah$25.001/2/2011 3:45:27 PM
NorthernFunds$50.001/2/2011 6:25:40 PM
LuvToLend$25.001/2/2011 4:31:45 PM
thrifty-capital$25.001/2/2011 8:23:27 PM
kingston1$25.001/2/2011 10:20:42 PM
diligent-moola9$30.171/2/2011 5:54:19 PM
social-heart$34.061/2/2011 10:25:30 PM
dslobbs$25.001/2/2011 9:44:49 PM
soulful-truth$50.0012/31/2010 1:27:51 PM
velocity-motivator6$25.0012/31/2010 1:28:17 PM
teller$25.0012/31/2010 1:31:40 PM
simplelender80$100.0012/31/2010 1:30:23 PM
seandre3000$50.0012/31/2010 1:27:45 PM
Kash2010lu$25.0012/31/2010 4:16:06 PM
greencat$50.0012/31/2010 1:39:15 PM
a-successful-credit$100.0012/31/2010 2:55:49 PM
lsx7$50.001/1/2011 12:02:55 AM
ultimate-peace$50.001/1/2011 6:20:44 AM
poolshark72$25.001/1/2011 2:51:15 PM
credit-sycamore4$100.001/1/2011 3:05:44 PM
bonafide-economy$50.001/1/2011 6:55:49 PM
interstellar$50.001/1/2011 5:52:39 PM
gold-cluster$100.001/1/2011 6:23:32 PM
SV-AZ$25.001/1/2011 8:11:18 PM
Artist_Blue$25.001/2/2011 9:51:20 AM
gold-blanket0$25.001/1/2011 5:51:53 PM
FoddersDad$25.001/2/2011 12:22:59 PM
Interstate_Rate$100.001/2/2011 10:30:30 AM
cunning-bill$25.001/1/2011 6:38:52 PM
aquistoyraul$25.001/1/2011 9:41:35 PM
jamiee73$25.001/2/2011 1:35:38 PM
ore-accord$25.491/2/2011 2:27:27 PM
credit-missile$100.001/2/2011 10:24:05 PM
pious-integrity6$25.001/2/2011 9:18:18 PM
52 Investments
 
Borrower Payment Dependent Notes Series 489822
This series of Notes was issued and sold upon the funding of the borrower loan #46452, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: E Listing Duration: 14 days
Partially Funded: no Estimated loss*: 14.20% Listing Start date:  Jan-05-2011 
Term: 36 months Listing End date:  Jan-05-2011 
 
Lender yield: 31.20% Borrower rate/APR: 32.20% / 35.86% Monthly payment: $109.16
 
Lender servicing fee: 1.00% Effective Yield*: 29.77%  
Estimated return*: 15.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1989 Debt/Income ratio: 13%
Credit score: 640-659 (Jan-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 6Length of status:17y 2m
Amount delinquent: $3,882 Total credit lines: 62 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,103Stated income:$75,000-$99,999
Delinquencies in last 7y: 14 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: first-skillful-order Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
car repair
Purpose of loan:
This loan will be used to? repair my car

My financial situation:
I am a good candidate for this loan because I ahve long term employment and staedy income. I am selling my home and will have money in my?my pocket soon. I helped my daughet whne she lost her job and created a financial mess for myslef. I will make? aporfit on my home, lots of interested buyers??

Monthly net income: $ 4688

Monthly expenses: $
??Housing: $ 1700.00
??Insurance: $ included in loan pmt
??Car expenses: $ loan is paid in full, just weekly gas
??Utilities: $?100.00
??Phone, cable, internet: $ 55.00
??Food, entertainment: $ 160.00
??Clothing, household expenses $ 25.00
??Credit cards and other loans: $ 840
??Other expenses: $ 450 student loan
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
Q: Can you please provide: 1. The total mortgage balance (including 2nd/heloc) on you home 2. The market value of your home (use zillow.com if unsure) - kindness-launcher
A: The total outstanding balance is 171k, the house is listed for 269K. Market value is about 269K - th realtor hopes to sell it by Februray due to brisk activity. The home is located near the beach, well maintained and in an area that just recived a 32M renovation loan to replace board walk buidlings, nath hosue etc. There is no second mtg. (Jan-05-2011)
Q: Please explain the delinquincies shown on your listing. Thanks. - tigercat
A: Two reasons: My daughter lost her job, tried to find a new onem I helped her stay in her home nad paid all her bills in the hope she woudl get a new job in a reasonable time. That didn't happen and I put mysel in bad place. Secondly my life partner lost his job in May causing me to pay more into the joint till so to speak . Thirdly, for sentimental reasosn, I tired to hold on to a family home near the beach when my father died, a home owned for 40 plus years. It is no up for sale (Jan-05-2011)
2 question & answer
Information in Questions and Answers is not verified
InvestorAmountInvestment Date (PT)
Investoman$50.001/5/2011 10:18:56 AM
STLRacer$30.001/5/2011 10:23:14 AM
greencat$50.001/5/2011 10:15:21 AM
6moonbeams$50.001/5/2011 10:27:37 AM
kginatl$50.001/5/2011 10:27:59 AM
mrxtravis$50.001/5/2011 10:28:07 AM
seisen$100.001/5/2011 10:29:05 AM
capital-halo1$500.001/5/2011 10:27:13 AM
Tikibarman$50.001/5/2011 10:31:43 AM
soulful-truth$50.001/5/2011 10:21:36 AM
a-successful-credit$100.001/5/2011 10:23:32 AM
a-finance-nirvana$25.001/5/2011 10:25:36 AM
bold-treasure-neutrino$30.001/5/2011 10:27:24 AM
IASKGOD$25.001/5/2011 1:03:41 PM
pureliquidhw$25.001/5/2011 1:53:02 PM
goodhearted-basis4$25.001/5/2011 10:38:47 AM
hillerod$25.001/5/2011 11:28:07 AM
supreme-hope$25.001/5/2011 1:50:24 PM
kindness-launcher$284.001/5/2011 4:59:37 PM
Graven33$25.001/5/2011 4:22:32 PM
JayIsABear$41.661/5/2011 4:58:06 PM
FASTIZIO_P$25.001/5/2011 4:58:08 PM
diplomatic-wealth7$25.001/5/2011 10:22:52 AM
JPMorrisLegacyFund$100.001/5/2011 10:18:35 AM
handshake5$100.001/5/2011 10:18:43 AM
musegaze$50.001/5/2011 10:23:57 AM
simplelender80$100.001/5/2011 10:22:15 AM
bazaar-festivity$100.001/5/2011 10:23:41 AM
loan-kung-fu$25.001/5/2011 10:28:33 AM
miamibeachloaner$25.001/5/2011 10:28:54 AM
EBITDA$25.001/5/2011 10:28:15 AM
precious-coin3$50.001/5/2011 10:28:45 AM
mercuriant$25.001/5/2011 10:29:52 AM
silver-enlightenment0$100.001/5/2011 10:31:17 AM
patriot897$25.001/5/2011 10:26:27 AM
Artist_Blue$25.001/5/2011 12:40:04 PM
leverage-monger$25.001/5/2011 3:45:16 PM
mike279766$40.091/5/2011 4:17:29 PM
macbeck22$25.001/5/2011 4:58:16 PM
39 Investments
 
Borrower Payment Dependent Notes Series 489956
This series of Notes was issued and sold upon the funding of the borrower loan #46516, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: B Listing Duration: 14 days
Partially Funded: no Estimated loss*: 4.95% Listing Start date:  Jan-05-2011 
Term: 36 months Listing End date:  Jan-06-2011 
 
Lender yield: 12.40% Borrower rate/APR: 13.40% / 15.55% Monthly payment: $203.32
 
Lender servicing fee: 1.00% Effective Yield*: 12.19%  
Estimated return*: 7.24%  
* 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-2000 Debt/Income ratio: 14%
Credit score: 720-739 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 26 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,245Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: Yes  
Screen name: virtuous-credit Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 14 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
660-679 (Oct-2009)
 
Principal balance: $2,665.71 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
Final home renovation project
Purpose of loan:
This loan will be used to pay for the final home renovation project. New water heater and living room rehab.

My financial situation:
I am a good candidate for this loan because I have great credit and never miss a payment.

Monthly net income: $ 4,000

Monthly expenses: $ 2350
??Housing: $ 1200
??Insurance: $ 40
??Car expenses: $ 0
??Utilities: $ 300
??Phone, cable, internet: $ 60
??Food, entertainment: $ 400
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
Q: Can you please provide: 1. The total mortgage balance (including 2nd/heloc) on you home 2. The market value of your home (use zillow.com if unsure) - kindness-launcher
A: Mortgage Bal is 209,000 Last assessment by the city was done last year and was 210,000 (Jan-05-2011)
1 question & answer
Information in Questions and Answers is not verified
InvestorAmountInvestment Date (PT)
five-star-responsibility0$50.001/5/2011 10:14:46 AM
a-responsible-return$25.001/5/2011 10:20:11 AM
Feyenoord$25.001/5/2011 10:20:27 AM
Artist_Blue$25.001/5/2011 10:24:28 AM
enthralling-deal180$50.001/5/2011 10:21:55 AM
orgy63$50.001/5/2011 10:22:07 AM
tolerant-dinero2$25.001/5/2011 10:22:41 AM
Banker7371$25.001/5/2011 10:24:59 AM
inspired-investment8$100.001/5/2011 10:29:29 AM
patriot897$50.001/5/2011 10:26:21 AM
friendinmoney$25.001/5/2011 10:36:37 AM
Eastern$50.001/5/2011 10:23:16 AM
JustMee$25.001/5/2011 11:01:36 AM
jdrez$25.001/5/2011 11:15:39 AM
thunderd$25.001/5/2011 11:15:55 AM
SimpleChoice$25.001/5/2011 10:25:20 AM
american6$50.001/5/2011 10:26:49 AM
golffish2$100.001/5/2011 10:28:03 AM
knothead$25.001/5/2011 11:40:22 AM
indomitable-coin$50.001/5/2011 2:25:50 PM
monroemoney$25.001/5/2011 11:15:16 AM
AF-Chief$50.001/5/2011 3:18:00 PM
georgedorn$25.001/5/2011 12:40:07 PM
brightest-fascinating-principal$50.001/5/2011 4:11:16 PM
ddamenace$25.001/5/2011 3:11:20 PM
felicity-loyalist0$25.001/5/2011 3:48:32 PM
Magician$25.001/5/2011 3:51:04 PM
currency-agave$25.001/5/2011 4:00:43 PM
visionary-community$25.001/5/2011 4:51:37 PM
unassailable-dollar$25.001/5/2011 5:00:01 PM
penny-plato$25.001/5/2011 3:55:40 PM
Dollars4Rent$25.001/5/2011 4:18:56 PM
CSinvestments$25.001/5/2011 4:53:37 PM
BARNAPAS$25.001/5/2011 6:46:35 PM
loss-of-control$50.001/5/2011 4:29:14 PM
Only_Money$25.001/5/2011 6:53:51 PM
velocity-healer6$25.001/5/2011 4:43:10 PM
jamiee73$25.001/5/2011 4:46:07 PM
Chadwick_Bay_Investments$25.001/5/2011 10:44:09 PM
DesiKuber$50.001/6/2011 12:09:56 AM
gilbrear$25.001/5/2011 6:25:32 PM
payout-reaction740$25.001/5/2011 6:45:16 PM
gold-channel2$25.001/5/2011 5:05:21 PM
greenback-guard$25.001/6/2011 2:02:20 AM
lendme2$50.001/5/2011 6:04:43 PM
mauge35$25.001/5/2011 6:57:38 PM
vutah$50.001/5/2011 7:00:31 PM
travels536$25.001/6/2011 6:22:49 AM
economy-caper9$25.001/6/2011 8:29:59 AM
sgt-schultz$25.001/6/2011 6:27:36 AM
wwwUniversal$25.001/6/2011 6:33:16 AM
phaded$25.001/6/2011 7:33:20 AM
blue-useful-auction$25.001/6/2011 7:43:29 AM
osutc$100.001/6/2011 3:37:07 AM
Earn_money$25.001/6/2011 10:01:33 AM
euphoria8$25.001/6/2011 8:43:28 AM
durable-investment8$40.001/6/2011 8:54:26 AM
diceman19$25.001/6/2011 9:04:45 AM
debt-legend$25.001/6/2011 10:33:07 AM
payout-alien6$25.001/6/2011 10:16:46 AM
6moonbeams$50.001/5/2011 10:19:19 AM
handshake5$100.001/5/2011 10:20:34 AM
riskreward$100.001/5/2011 10:22:32 AM
organized-payment6$50.001/5/2011 10:23:53 AM
fightinjoe$50.001/5/2011 10:24:25 AM
RedCentre$279.961/5/2011 10:24:47 AM
ray1051$25.001/5/2011 10:26:03 AM
bazaar-festivity$100.001/5/2011 10:23:46 AM
panegryst$25.001/5/2011 10:24:50 AM
first-upright-payout$25.001/5/2011 10:30:40 AM
GElender$50.001/5/2011 10:30:56 AM
myworld701$25.001/5/2011 10:20:05 AM
investment-star$50.001/5/2011 10:37:59 AM
nilonc1$100.001/5/2011 10:24:08 AM
smart-gold$25.001/5/2011 11:13:47 AM
miket71$71.181/5/2011 11:15:57 AM
buckyhead2000$25.001/5/2011 10:25:17 AM
innocent-income4$25.001/5/2011 10:31:38 AM
tech310$50.001/5/2011 10:26:14 AM
jonn834$25.001/5/2011 10:27:05 AM
gold-conga$50.001/5/2011 10:27:29 AM
radforj22$25.001/5/2011 12:00:29 PM
Dutchhunter$50.001/5/2011 11:10:43 AM
OzGuy609$50.001/5/2011 12:36:43 PM
credit-bliss8$25.001/5/2011 10:29:00 AM
one-midas$100.001/5/2011 1:28:07 PM
favorite-commerce$25.001/5/2011 2:15:59 PM
ptjg$50.001/5/2011 10:38:03 AM
goodhearted-basis4$25.001/5/2011 10:38:07 AM
Astyanax$50.001/5/2011 12:09:21 PM
RandyL3$25.001/5/2011 10:39:31 AM
tedi-tif$40.001/5/2011 12:37:11 PM
awwaww$25.001/5/2011 2:24:32 PM
UncleSafety$100.001/5/2011 2:37:55 PM
runner262$25.001/5/2011 11:15:53 AM
asset-professor$50.001/5/2011 11:40:29 AM
chererat$100.001/5/2011 11:45:12 AM
nickel-ferret$50.001/5/2011 2:23:55 PM
golffish2$100.001/5/2011 3:05:36 PM
Railbird$50.001/5/2011 3:10:31 PM
ac787$25.001/5/2011 12:36:05 PM
Chrishu$25.001/5/2011 12:55:48 PM
sflash$25.001/5/2011 1:31:01 PM
engaging-worth$25.001/5/2011 2:52:12 PM
thankful-nickel2$25.001/5/2011 3:19:39 PM
gmilliken$25.001/5/2011 4:31:11 PM
wlm3012$25.001/5/2011 4:17:09 PM
goodcents$25.001/5/2011 6:45:08 PM
redmen93$100.001/5/2011 9:03:29 PM
usbank$25.001/5/2011 9:24:36 PM
the-ethical-order$25.001/5/2011 11:12:06 PM
villagers$25.001/5/2011 5:38:25 PM
colorfulgardener$25.001/5/2011 5:58:20 PM
unafraid-loan5$25.001/5/2011 7:56:05 PM
circustab$50.001/5/2011 8:31:56 PM
rancher7$25.001/5/2011 8:53:12 PM
wampum-chorus3$41.521/6/2011 7:34:37 AM
cash-tent$30.001/5/2011 9:51:59 PM
triumph329$50.001/6/2011 5:46:43 AM
BlessedEveryDay$25.001/6/2011 5:53:22 AM
Champion_Lending$25.001/6/2011 8:17:01 AM
buffalobills$25.001/6/2011 8:25:34 AM
JedClampett$75.001/6/2011 6:41:06 AM
twjh$25.001/6/2011 1:35:27 AM
dospapalotes$50.001/6/2011 9:33:55 AM
outofoffice$82.331/6/2011 8:09:53 AM
imdave4me$50.001/6/2011 8:11:48 AM
Leshan$56.601/6/2011 8:22:42 AM
sjvicker$25.001/6/2011 9:42:10 AM
Aimvest$25.001/6/2011 8:25:04 AM
mammalian4$25.001/6/2011 2:03:19 AM
bossmanuc$26.761/6/2011 9:37:46 AM
GarciaCompany$25.001/6/2011 9:58:54 AM
responsive-revenue1$25.001/6/2011 10:10:36 AM
loanman2007$100.001/6/2011 5:44:06 AM
FinanceEngine$30.001/6/2011 10:02:21 AM
lender-inc$30.001/6/2011 10:31:39 AM
verdiprr$325.001/6/2011 10:37:31 AM
138 Investments
 
Borrower Payment Dependent Notes Series 490000
This series of Notes was issued and sold upon the funding of the borrower loan #46431, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: D Listing Duration: 14 days
Partially Funded: no Estimated loss*: 9.80% Listing Start date:  Jan-06-2011 
Term: 36 months Listing End date:  Jan-06-2011 
 
Lender yield: 26.75% Borrower rate/APR: 27.75% / 31.31% Monthly payment: $247.37
 
Lender servicing fee: 1.00% Effective Yield*: 26.08%  
Estimated return*: 16.28%  
* 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: Jul-2004 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 20 Occupation: Investor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,927Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: dorypro Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 680-699 (Latest)
Principal borrowed: $3,600.00< 31 days late: 0 ( 0% )  
720-739 (Nov-2009)
 
Principal balance: $2,545.60 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
LENDER needs help-pay off credit cd
Purpose of loan:
This loan will be used to?repay credit cards

My financial situation:
I am a good candidate for this loan because?I can and will repay.

Monthly net income: $ 3000.00

Monthly expenses: $ 1630
??Housing: $ 0 [ fully paid up]
??Insurance: $ 170
??Car expenses: $ 60
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 250
??Other expenses: $ 700? [assist parent]
Information in the Description is not verified.
Friends And Family Investments
JGuide has invested a total of $509.77.
"The second or third largest lender in the club - the loan payments she receives monthly could probably pay this off at any time! I have verified her contact info. Safest investment on Prosper!"
1 friends and family investment
Information in Friends and Family Investments is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
InvestorAmountInvestment Date (PT)
NoCal$25.001/6/2011 5:51:31 PM
Investoman$100.001/6/2011 5:52:25 PM
thelovebug$100.001/6/2011 5:53:10 PM
patriot897$25.001/6/2011 5:53:25 PM
capital-halo1$500.001/6/2011 5:53:29 PM
Kash2010lu$50.001/6/2011 5:54:16 PM
KMSB$50.001/6/2011 5:54:24 PM
Bob450$25.001/6/2011 5:51:07 PM
bettndon$50.001/6/2011 5:54:37 PM
gold-channel2$25.001/6/2011 5:54:48 PM
Integrity1st$89.081/6/2011 6:06:59 PM
FarmersBank$50.001/6/2011 5:51:56 PM
niq4soccer$25.001/6/2011 6:10:35 PM
handshake5$100.001/6/2011 5:52:23 PM
blitzen40$25.001/6/2011 6:22:48 PM
realtormoises$25.001/6/2011 6:23:28 PM
JGuide$26.991/6/2011 6:30:30 PM
bondhedger$25.001/6/2011 6:30:36 PM
wisconsinvestor$100.001/6/2011 6:31:38 PM
silver-enlightenment0$100.001/6/2011 5:53:54 PM
Tikibarman$50.001/6/2011 5:53:58 PM
AlexTrep$25.001/6/2011 5:54:45 PM
revenue-achievement$25.001/6/2011 5:54:49 PM
coin-bee1$50.001/6/2011 5:54:52 PM
SNH$100.001/6/2011 5:54:58 PM
RecoveryLender$25.001/6/2011 6:07:30 PM
mercuriant$25.001/6/2011 5:51:09 PM
JGuide$201.991/6/2011 6:32:10 PM
Feyenoord$25.001/6/2011 5:52:49 PM
EBITDA$25.001/6/2011 5:53:42 PM
credit-wheel7$25.001/6/2011 5:54:14 PM
point-kitten6$50.001/6/2011 5:54:36 PM
Diamond_Jim$50.001/6/2011 5:54:38 PM
newest-generous-income$25.001/6/2011 5:54:42 PM
Whipster$50.001/6/2011 5:55:00 PM
RecoveryLender$26.001/6/2011 6:27:23 PM
JGuide$78.811/6/2011 6:32:29 PM
scrappy-diversification7$2,000.001/6/2011 5:53:27 PM
soulful-truth$50.001/6/2011 5:54:34 PM
yield-lion2$25.001/6/2011 5:51:12 PM
new-social-economist$59.601/6/2011 5:54:44 PM
copper$38.551/6/2011 5:54:55 PM
musegaze$50.001/6/2011 5:51:59 PM
RyanM561$25.001/6/2011 6:19:31 PM
simplelender80$100.001/6/2011 5:53:02 PM
loss-of-control$100.001/6/2011 6:24:11 PM
a-successful-credit$100.001/6/2011 5:53:12 PM
bold-treasure-neutrino$30.001/6/2011 5:53:34 PM
6moonbeams$50.001/6/2011 5:53:36 PM
seisen$100.001/6/2011 5:53:44 PM
AF-Chief$50.001/6/2011 5:54:02 PM
panther757$25.001/6/2011 5:54:51 PM
diplomatic-wealth7$25.001/6/2011 5:54:56 PM
the-dollar-topper$50.001/6/2011 5:54:59 PM
2grindstones$25.001/6/2011 6:05:43 PM
fabulous-community4$50.001/6/2011 5:51:14 PM
Redmond$25.001/6/2011 5:52:20 PM
puifais$47.001/6/2011 5:54:21 PM
bonafide-economy$50.001/6/2011 5:54:33 PM
MilitaryLending$25.001/6/2011 5:54:36 PM
mickeyroi$25.001/6/2011 5:54:41 PM
power-trophy7$50.001/6/2011 5:54:43 PM
tech310$50.001/6/2011 5:54:54 PM
credit-missile$100.001/6/2011 6:14:27 PM
thorough-capital799$100.001/6/2011 6:21:21 PM
JGuide$201.991/6/2011 6:30:05 PM
66 Investments
 
Borrower Payment Dependent Notes Series 489319
This series of Notes was issued and sold upon the funding of the borrower loan #46428, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: E Listing Duration: 14 days
Partially Funded: no Estimated loss*: 14.20% Listing Start date:  Dec-29-2010 
Term: 36 months Listing End date:  Dec-29-2010 
 
Lender yield: 31.20% Borrower rate/APR: 32.20% / 35.86% Monthly payment: $152.83
 
Lender servicing fee: 1.00% Effective Yield*: 29.77%  
Estimated return*: 15.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1999 Debt/Income ratio: 12%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $32,394Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: Yes  
Screen name: courteous-community355 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off two small balance credit cards, and to pay a family member for a loan provided to me some time ago. They can really use the lump sum due to being on a fixed income. I have had a very stable employment history, and in the same industry for the past 14 years. I changed employers a year ago when I was looking for new opportunities, after being at my previous employer for 13 years. My industry is doing well and our company is very stable.

My financial situation: My credit score is improving and is currently hit because I have to use my personal credit cards for business travel. Since these cards have a low available credit line, my utilization rate suffers. The public record on my credit was due to a mortgage servicer change where they did not transfer and pay out of the escrow on time for property tax. That was paid as soon as I realized what happened.
I am a good candidate for this loan because I have a very stable job and income, with health insurance for my family, etc.

Monthly net income: $6,068 after retirement, insurance, flexible spending account deductions
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
InvestorAmountInvestment Date (PT)
handshake5$100.0012/29/2010 2:41:27 PM
kulender$50.0012/29/2010 2:46:47 PM
Kash2010lu$26.0012/29/2010 2:48:29 PM
jazzlender$25.0012/29/2010 2:57:14 PM
simplelender80$100.0012/29/2010 2:55:23 PM
payment-gusto$25.0012/29/2010 2:57:04 PM
richboy56$25.0012/29/2010 3:00:41 PM
barkochva$25.0012/29/2010 3:00:46 PM
money-bauble$100.0012/29/2010 3:01:33 PM
reflective-rupee$500.0012/29/2010 3:54:15 PM
Zoomzoom22$72.6212/29/2010 4:30:32 PM
trumpeter5$25.0012/29/2010 4:55:56 PM
greencat$50.0012/29/2010 3:16:52 PM
113121$25.0012/29/2010 5:47:15 PM
autonomous-truth$100.0012/29/2010 5:57:40 PM
wwwUniversal$25.0012/29/2010 6:07:47 PM
113121$1,000.0012/29/2010 6:03:53 PM
Military_Support$100.0012/29/2010 6:19:30 PM
SFBank$300.0012/29/2010 6:55:35 PM
selector568$100.0012/29/2010 2:49:55 PM
DasMula$25.0012/29/2010 2:49:59 PM
Investoman$50.0012/29/2010 2:53:10 PM
JPMorrisLegacyFund$100.0012/29/2010 2:55:10 PM
tech310$50.0012/29/2010 2:56:24 PM
rss197$25.0012/29/2010 2:57:32 PM
fighter122$25.0012/29/2010 3:02:23 PM
teller$25.0012/29/2010 2:58:36 PM
diplomatic-wealth7$25.0012/29/2010 3:00:25 PM
d3v0t3d$25.0012/29/2010 3:04:48 PM
a-finance-nirvana$25.0012/29/2010 3:01:08 PM
brightest-dignified-penny$25.0012/29/2010 4:20:27 PM
TeaHouseFinance$25.0012/29/2010 4:26:18 PM
Fire2$25.0012/29/2010 5:13:37 PM
SolarMoonshine$25.0012/29/2010 5:21:18 PM
Ducatiman1978$25.0012/29/2010 6:37:28 PM
kendallv$50.0012/29/2010 5:11:50 PM
aquistoyraul$25.0012/29/2010 6:48:18 PM
lending-theory$25.0012/29/2010 5:51:25 PM
bold-direct-asset$50.0012/29/2010 6:06:53 PM
thankful-nickel2$25.0012/29/2010 5:58:40 PM
blitzen40$25.0012/29/2010 6:24:29 PM
tomdooley12520$25.0012/29/2010 6:45:22 PM
Hidalgo2004$41.7612/29/2010 6:54:45 PM
43 Investments
 
Borrower Payment Dependent Notes Series 489321
This series of Notes was issued and sold upon the funding of the borrower loan #46489, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Partially Funded: no Estimated loss*: 4.95% Listing Start date:  Dec-29-2010 
Term: 36 months Listing End date:  Dec-29-2010 
 
Lender yield: 12.40% Borrower rate/APR: 13.40% / 15.55% Monthly payment: $508.30
 
Lender servicing fee: 1.00% Effective Yield*: 12.19%  
Estimated return*: 7.24%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-1990 Debt/Income ratio: 5%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:17y 8m
Amount delinquent: $0 Total credit lines: 35 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $360,130Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: believeingoodness 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 13 ( 100% ) 740-759 (Latest)
Principal borrowed: $20,000.00< 31 days late: 0 ( 0% )  
680-699 (Apr-2008)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Need small add'l $: Great Equipment
Only SMALL Amount of total needed to get great deal for business equipment!Purpose of loan:
This loan will be used to buy equipment for a chain store I own. This is from a chain store in another that is closing due to owner retiring. The equipment is only 27 months old (parent company made us all upgrade machines in Spring of 2008) and is worth $125k new? I am buying for less than half price ($60k) and have $45k of my own cash to pay for it and just need SMALL loan to get total needed - as this is cash only deal? This equipment will enable me to earn additional $75-90k a year in production revenue.Since I have only owned business short time, I am financing this all on my own (personal cash and this personal loan). This is a perfect time to get discounted equipment and expand the business so I am hoping I can find the small amount extra I need to get this opportunity! My financial situation:
I am a good candidate for this loan because I am very well employed (17 years same occupation) AND now own a business (which is what above equipment is for) that earns a small profit. I have owned my own home for the last 11 years and pay all my bills on time. I am very capable of paying loan off and have had a prosper loan before which I paid on time! I have also improved my credit rating over 50 points since last loan :)
Monthly net income: $300k+ I have averaged over $250k for last 7-8 years. This year I am at $397k. I deferred over $100k for tax purposes and that is why I don't have more cash to pay for the entire $60k on my own. I will have over $100k in deferred income coming in as well in 2012 and in 2013.
Monthly expenses: $
??Housing: $ 2490
??Insurance: $ 270
??Car expenses: $450
??Utilities: $ 200
??Phone, cable, internet: $180
??Food, entertainment: $ 600
??Clothing, household expenses $ 360
??Credit cards and other loans: $ 0 credit cards (pay in full), rental condo has loans of $1200 and is covered in rents.
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
Q: Prosper shows $360k in revolving, but you mention no credit card balances. Can you explain? - zorg77
A: Thank you - yes, good question; $360k in credit cards would certainly be AMAZING and awful! That is equity line of credit used for rental condo and since not a fixed mortgage it shows as revolving. That is condo mentioned that is covered with rents. Average annual $13,000 although in 2008 it was $11,500 as vacancy hit for a time. (Dec-29-2010)
1 question & answer
Information in Questions and Answers is not verified
InvestorAmountInvestment Date (PT)
golffish2$50.0012/29/2010 2:42:10 PM
DasMula$57.0012/29/2010 2:42:54 PM
GElender$50.0012/29/2010 2:47:05 PM
justbman$25.0012/29/2010 2:43:11 PM
radforj22$25.0012/29/2010 2:47:39 PM
payout-banker4$25.0012/29/2010 2:47:52 PM
handshake5$100.0012/29/2010 2:41:16 PM
dansarkis$25.0012/29/2010 2:42:09 PM
rate-mogul$50.0012/29/2010 2:48:49 PM
easylender$25.0012/29/2010 2:42:32 PM
jazzlender$50.0012/29/2010 2:46:06 PM
five-star-responsibility0$50.0012/29/2010 2:46:54 PM
newest-generous-income$25.0012/29/2010 2:47:49 PM
orgy63$50.0012/29/2010 2:47:59 PM
Havana21$200.0012/29/2010 2:49:43 PM
twjh$25.0012/29/2010 2:49:52 PM
logical-reward8$25.0012/29/2010 2:47:43 PM
generous-deal6$50.0012/29/2010 2:55:18 PM
credit-kahuna$50.0012/29/2010 2:55:27 PM
panther757$25.0012/29/2010 2:56:13 PM
rcmso$100.0012/29/2010 2:54:05 PM
cassius84$25.0012/29/2010 2:57:28 PM
lostontheedge$25.0012/29/2010 2:57:56 PM
ray1051$50.0012/29/2010 2:54:12 PM
SNH$100.0012/29/2010 2:58:22 PM
hopeful-truth5$100.0012/29/2010 2:55:55 PM
skuba$50.0012/29/2010 2:55:35 PM
Barak$100.0012/29/2010 2:56:03 PM
mkl42$50.0012/29/2010 2:55:44 PM
ASR3$35.0012/29/2010 2:55:49 PM
tech310$50.0012/29/2010 2:56:21 PM
SimpleChoice$25.0012/29/2010 3:00:56 PM
gold-disk$50.0012/29/2010 3:01:00 PM
riskreward$100.0012/29/2010 2:57:36 PM
DasMula$57.0012/29/2010 2:57:32 PM
Investoman$100.0012/29/2010 2:58:30 PM
investment-comet$25.0012/29/2010 2:58:03 PM
tolerant-dinero2$25.0012/29/2010 2:58:51 PM
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ptjg$50.0012/29/2010 3:03:17 PM
reward-motion$50.0012/29/2010 2:59:31 PM
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WLenders$50.0012/29/2010 3:00:48 PM
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helvet$25.0012/29/2010 3:06:44 PM
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DasMula$100.0012/29/2010 4:13:49 PM
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balance-warrior$25.0012/29/2010 3:03:42 PM
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verdiprr$300.0012/29/2010 3:54:01 PM
113121$1,250.0012/29/2010 6:05:29 PM
dg5803$50.0012/29/2010 6:31:13 PM
trumpeter5$25.0012/29/2010 4:54:22 PM
113121$25.0012/29/2010 5:45:41 PM
thankful-nickel2$25.0012/29/2010 5:55:19 PM
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handy-point5$25.0012/29/2010 9:01:50 PM
zorg77$25.0012/29/2010 6:38:19 PM
hidavehi$79.0012/29/2010 6:29:27 PM
Sol_Invictus$25.0012/29/2010 6:43:55 PM
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vutah$50.0012/29/2010 7:09:25 PM
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FinanceEngine$40.0012/29/2010 7:51:22 PM
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Nazbuster$50.0012/29/2010 9:01:05 PM
wise382$25.0012/29/2010 8:35:41 PM
Aberdeen$5,000.0012/29/2010 10:11:17 PM
ashoo66$50.0012/29/2010 9:28:56 PM
djber$39.0012/29/2010 10:00:44 PM
yennib$50.0012/29/2010 2:41:56 PM
jamiee73$25.0012/29/2010 2:47:00 PM
golffish2$100.0012/29/2010 2:49:37 PM
rss197$25.0012/29/2010 2:47:34 PM
indomitable-coin$100.0012/29/2010 2:48:06 PM
enthralling-deal180$50.0012/29/2010 2:48:15 PM
responsibility-cherry6$50.0012/29/2010 2:56:48 PM
13loans$25.0012/29/2010 2:57:08 PM
organized-payment6$50.0012/29/2010 2:54:09 PM
power-trophy7$25.0012/29/2010 2:58:12 PM
B-rad_the_Coug$25.0012/29/2010 2:55:30 PM
ROCKI9$50.0012/29/2010 2:59:23 PM
tender-integrity3$100.0012/29/2010 2:59:49 PM
RoyFauntleroy$50.0012/29/2010 2:55:58 PM
powerful-finance7$25.0012/29/2010 3:00:08 PM
meenan$50.0012/29/2010 2:56:30 PM
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teller$25.0012/29/2010 2:58:43 PM
C_Mark$50.0012/29/2010 2:59:05 PM
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paytonbrigadier$250.0012/29/2010 3:03:11 PM
Palacios$50.0012/29/2010 2:59:37 PM
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j2ee$25.0012/29/2010 3:00:32 PM
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NYCFinancier$25.0012/29/2010 3:08:03 PM
Dakota98$50.0012/29/2010 3:01:51 PM
green-moola-sniffer$50.0012/29/2010 3:02:08 PM
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enigmallc$25.0012/29/2010 3:02:14 PM
jescowa$50.0012/29/2010 3:02:11 PM
credit-investor5$25.0012/29/2010 3:02:39 PM
DonaldColorado$50.0012/29/2010 3:31:03 PM
Mariner3605$50.0012/29/2010 3:02:51 PM
market-atlantis$25.0012/29/2010 3:03:02 PM
worldly-community3$50.0012/29/2010 3:03:34 PM
nikkiesgrandma$25.0012/29/2010 3:03:43 PM
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Rivervale_Westwood$25.0012/29/2010 3:03:49 PM
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dollardave$100.0012/29/2010 3:06:57 PM
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mikeandcat$62.3412/29/2010 3:33:47 PM
colorfulgardener$25.0012/29/2010 3:30:26 PM
reflective-rupee$1,000.0012/29/2010 3:51:14 PM
rmpedi33$50.0012/29/2010 3:34:31 PM
runner262$25.0012/29/2010 6:00:36 PM
BigGuyBank$25.0012/29/2010 6:05:06 PM
paytonbrigadier$150.0012/29/2010 4:10:16 PM
br4444$50.0012/29/2010 4:20:33 PM
DasMula$100.0012/29/2010 4:14:05 PM
JustMee$25.0012/29/2010 5:00:47 PM
Terapin0511$43.9512/29/2010 7:32:42 PM
Bank_Of_XL$25.0012/29/2010 7:53:20 PM
benefit-pro$25.0012/29/2010 6:03:27 PM
dg5803$200.0012/29/2010 6:31:30 PM
nelie150$25.0012/29/2010 6:51:21 PM
SFBank$200.0012/29/2010 6:59:56 PM
unolsu5$25.0012/29/2010 7:11:44 PM
ethicalhumanist$50.0012/29/2010 7:11:04 PM
integrity-doctor$100.0012/29/2010 7:24:12 PM
crw1950$30.0012/29/2010 7:42:55 PM
JCM_MN$40.0012/29/2010 7:49:32 PM
malomar66$75.0012/29/2010 8:13:48 PM
silver-armada$50.0012/29/2010 8:35:43 PM
SomebodysMom$53.7812/29/2010 9:43:38 PM
Goddess-4-one$25.0012/29/2010 8:36:13 PM
Spaceman838$25.0012/29/2010 8:53:43 PM
duckbill_1972$27.2212/29/2010 9:14:51 PM
leverage-ectasy$25.0012/29/2010 9:37:19 PM
paul1$28.2812/29/2010 9:42:40 PM
170 Investments
 
Borrower Payment Dependent Notes Series 489749
This series of Notes was issued and sold upon the funding of the borrower loan #46522, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Partially Funded: no Estimated loss*: 10.80% Listing Start date:  Jan-03-2011 
Term: 36 months Listing End date:  Jan-04-2011 
 
Lender yield: 28.50% Borrower rate/APR: 29.50% / 33.10% Monthly payment: $210.89
 
Lender servicing fee: 1.00% Effective Yield*: 27.78%  
Estimated return*: 16.98%  
* 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: Apr-2002 Debt/Income ratio: Not calculated
Credit score: 700-719 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 14 Occupation: Landscaping
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,297Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: graceful-listing8 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
Buying a used truck for myself
Purpose of loan:
This loan will be used to? Purchase a used Toyota Tacoma truck.

My financial situation:
I am a good candidate for this loan because? I get paid weekly and have no other vehicle payments. My wife also has income as well.

Monthly net income: $ 2,200.00

Monthly expenses: $
??Housing: $ 745.00
??Insurance: $ paid up in full until May 2011. $166 monthly
??Car expenses: $ 2 paid off vehicles in family. Will sell one after purchase of truck.
??Utilities: $ 250.00
??Phone, cable, internet: $ 180.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 150.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
Q: I am bidding on YOU I respect your attitude & I think you deserve a chance! All I ask is that you make sure this prosper loan gets paid.I am a REAL person(not a bank)Please don?t let me down! THANK YOU for your military service! - I-Believe-In-You
A: Thank you for the opportunity. I don't plan to let anyone down. I just found out about this site and I think its awesome! It restores my faith in people helping people rather than relying on banks and big businesses. This is truly American and my wife and I believe strongly in this site. So much so that we plan on investing and helping others as well here soon. Once again, thank you for the chance. Andy (Jan-04-2011)
1 question & answer
Information in Questions and Answers is not verified
InvestorAmountInvestment Date (PT)
simplelender80$100.001/3/2011 3:32:22 PM
diplomatic-wealth7$25.001/3/2011 3:32:37 PM
musegaze$50.001/3/2011 3:33:23 PM
Artist_Blue$25.001/3/2011 3:33:56 PM
patriot897$25.001/3/2011 3:47:40 PM
handshake5$100.001/3/2011 3:41:06 PM
Redmond$25.001/3/2011 3:35:02 PM
Sven79$50.001/3/2011 5:41:00 PM
kendallv$50.001/3/2011 6:13:00 PM
Moe87$25.001/3/2011 6:18:10 PM
Free-the-usa-1776$25.001/3/2011 11:15:58 PM
VJ_Financial$50.001/3/2011 8:04:03 PM
I-Believe-In-You$50.001/3/2011 8:16:46 PM
HermanstadtKid$30.001/4/2011 6:12:00 AM
llequire1$54.621/4/2011 7:01:39 AM
dpries123$25.001/4/2011 8:06:26 AM
ultimate-peace$62.001/4/2011 5:16:37 AM
gdfp158$25.001/4/2011 8:41:55 AM
hamster$29.861/4/2011 3:08:01 AM
lovelongandprosper$50.001/4/2011 7:05:12 AM
leverage-monger$25.001/4/2011 9:40:17 AM
rockhound84$25.001/4/2011 5:18:32 AM
realtormoises$25.001/4/2011 5:58:09 AM
southIT$25.001/4/2011 9:29:39 AM
parsec9$25.001/4/2011 9:33:07 AM
tsquared_030$25.001/4/2011 6:46:14 AM
Danjack_Capital$25.001/4/2011 9:15:02 AM
Lubava$25.001/4/2011 10:11:19 AM
bold-treasure-neutrino$30.001/4/2011 10:17:04 AM
Asian-Persuasion$25.001/4/2011 11:02:26 AM
Sudoku$100.001/4/2011 10:15:25 AM
Income-Scout$100.001/4/2011 10:21:06 AM
bullwink27$25.001/4/2011 11:59:14 AM
Astyanax$60.001/4/2011 10:53:47 AM
B2152$25.001/4/2011 11:38:50 AM
orange-preeminant-bill$50.001/4/2011 12:25:13 PM
thelovebug$100.001/3/2011 3:32:53 PM
Turtlebear44$50.001/3/2011 3:33:01 PM
a-successful-credit$100.001/3/2011 3:33:07 PM
soulful-truth$50.001/3/2011 3:32:08 PM
Investoman$100.001/3/2011 3:41:12 PM
Kash2010lu$25.001/3/2011 4:08:22 PM
investment-cluster$25.001/3/2011 4:15:34 PM
Interstate_Rate$100.001/3/2011 4:44:38 PM
bonafide-economy$50.001/3/2011 3:33:48 PM
loss-of-control$50.001/3/2011 5:09:23 PM
restless-currency$25.001/3/2011 3:35:09 PM
MoneyFarm$50.001/3/2011 4:43:12 PM
vine99$50.001/3/2011 5:35:52 PM
scrappy-diversification7$1,574.431/3/2011 4:34:05 PM
fortytwo$50.001/4/2011 2:52:25 AM
loanman2007$50.001/4/2011 5:45:50 AM
goodhearted-basis4$25.001/3/2011 10:49:57 PM
attractive-fund$50.001/4/2011 7:35:38 AM
Bob450$25.001/4/2011 4:20:25 AM
brwnidgirl$50.001/4/2011 8:25:10 AM
ommcd$25.001/4/2011 8:25:44 AM
ColoradoLender82$25.001/4/2011 8:29:26 AM
kind-elevated-market$25.001/4/2011 9:01:40 AM
Iloanyoumoney$25.001/4/2011 7:11:26 AM
intuitive-bill$25.001/4/2011 7:21:39 AM
wattboy$25.911/4/2011 7:45:48 AM
worthy-bid4$26.501/4/2011 9:32:24 AM
astute-investment5$25.001/4/2011 7:55:35 AM
dirkgently$25.001/4/2011 9:03:17 AM
gold-blanket0$25.001/4/2011 9:26:30 AM
FinanceEngine$25.001/4/2011 6:51:06 AM
nalaari$25.001/4/2011 6:53:54 AM
greencat$50.001/4/2011 7:15:27 AM
nickel-universe2$30.001/4/2011 7:45:44 AM
red-favorable-basis$25.001/4/2011 8:15:03 AM
TheDigitalMan$25.001/4/2011 8:41:03 AM
CMDCO$50.001/4/2011 9:10:16 AM
shmb6508$50.001/4/2011 9:19:54 AM
capital-halo1$100.001/4/2011 9:31:08 AM
Silverling6$25.001/4/2011 9:39:35 AM
Leshan$25.001/4/2011 11:15:15 AM
nfx$25.001/4/2011 11:15:33 AM
captainzero$58.001/4/2011 11:32:26 AM
IASKGOD$25.001/4/2011 11:52:39 AM
houli123$50.001/4/2011 10:20:53 AM
wwwUniversal$25.001/4/2011 11:11:56 AM
6moonbeams$50.001/4/2011 11:43:09 AM
83 Investments
 
Borrower Payment Dependent Notes Series 489837
This series of Notes was issued and sold upon the funding of the borrower loan #46409, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $9,000.00 Prosper Rating: A Listing Duration: 14 days
Partially Funded: no Estimated loss*: 3.25% Listing Start date:  Jan-05-2011 
Term: 36 months Listing End date:  Jan-06-2011 
 
Lender yield: 9.55% Borrower rate/APR: 10.55% / 12.66% Monthly payment: $292.73
 
Lender servicing fee: 1.00% Effective Yield*: 9.52%  
Estimated return*: 6.27%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Dec-1993 Debt/Income ratio: 11%
Credit score: 820-839 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,325Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: hazmatter8 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 8 ( 100% ) 820-839 (Latest)
Principal borrowed: $17,999.00< 31 days late: 0 ( 0% )  
780-799 (Oct-2010)
760-779 (Aug-2007)
740-759 (May-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Paying back to 401k
Purpose of loan:

????To all the people that funded my first loan, Thank you very much!?? I would like to put money back into my 401k that I borrowed; My company only allows one loan at a time against a 401k and the balance is approx. $9200.? This money was used to refinace a 2nd home that I have in California.? What I would like to do with this money is to pay back the ballance of this 401k loan.? I would then take a much larger loan from my 401k (currently @ 3.90% paying my self back the interest over 18 years) Use the money to refinace and pay down my primary residence in Lake Havasu City, Arizona.?? A combination of the low interest rates, which is currently 2.5 % less than I am currently paying now and the buy down will reduce my monthly mortage payment approx. 40%.? My financial situation: I AM A RESPONSIBLE CANIDATE FOR THIS LOAN.? I HAVE A GREAT JOB AS A ENVIRONMENTAL?ENGINEER FOR A LARGE?CORPORATION NEVER BEEN LATE ON A LOAN AND HAVE A FICA CREDIT SCORE OF ABOUT 800.

Monthly net income: $ 5300??
Monthly expenses:? Housing: $ 950.00??Insurance: $ 100.00??Car expenses: $?200.00??Utilities: $ 110.00??Phone, cable, internet:
$ 100.00??Food, entertainment: $?500.00??Clothing, household expenses $ 200??Credit cards:??USE THEM BUT PAY THEM IN FULL EACH MONTH.??Other expenses: $ 50.00
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
InvestorAmountInvestment Date (PT)
myworld701$25.001/5/2011 10:10:15 AM
6moonbeams$50.001/5/2011 10:19:08 AM
TSC$100.001/5/2011 10:20:58 AM
organized-payment6$50.001/5/2011 10:21:06 AM
tolerant-dinero2$25.001/5/2011 10:22:39 AM
fightinjoe$50.001/5/2011 10:24:12 AM
vutah$50.001/5/2011 10:20:35 AM
PrivateLender$25.001/5/2011 10:21:12 AM
orgy63$50.001/5/2011 10:21:58 AM
american6$50.001/5/2011 10:26:42 AM
jonn834$25.001/5/2011 10:26:58 AM
RandyL3$25.001/5/2011 10:28:04 AM
panegryst$25.001/5/2011 10:24:42 AM
mar97$50.001/5/2011 10:28:18 AM
Anny-Disco$50.001/5/2011 10:25:02 AM
buckyhead2000$25.001/5/2011 10:25:06 AM
MarcusOcean$25.001/5/2011 10:28:59 AM
tech310$50.001/5/2011 10:26:07 AM
deal-zoo$50.001/5/2011 10:27:17 AM
Feyenoord$25.001/5/2011 10:20:25 AM
bigphish$25.001/5/2011 10:27:48 AM
a-responsible-return$50.001/5/2011 10:21:00 AM
riskreward$100.001/5/2011 10:22:24 AM
inspired-investment8$100.001/5/2011 10:29:18 AM
indomitable-coin$100.001/5/2011 10:29:38 AM
Metasequoia$25.001/5/2011 10:47:40 AM
commerce-yeller$50.001/5/2011 10:29:44 AM
SimpleChoice$25.001/5/2011 11:17:23 AM
investment-star$50.001/5/2011 10:31:56 AM
rdrloan$50.001/5/2011 10:27:50 AM
franski12$37.501/5/2011 12:05:36 PM
two_talents$50.001/5/2011 12:59:47 PM
Mav26$100.001/5/2011 1:56:53 PM
money_player$25.001/5/2011 2:06:34 PM
unabashed-contract5$50.001/5/2011 12:01:01 PM
cwegert$100.001/5/2011 12:43:15 PM
chibear34$25.001/5/2011 3:11:09 PM
thankful-nickel2$25.001/5/2011 3:19:13 PM
euro-deployment$25.001/5/2011 11:53:30 AM
UncleSafety$100.001/5/2011 2:44:10 PM
astute-benjamins$25.001/5/2011 3:29:22 PM
Bank_Of_XL$25.001/5/2011 1:28:48 PM
Dollars4Rent$25.001/5/2011 1:52:41 PM
helidude$25.001/5/2011 3:37:43 PM
felicity-loyalist0$25.001/5/2011 3:50:22 PM
SCD$25.001/5/2011 2:26:09 PM
heerzaquestion$30.001/5/2011 4:12:57 PM
justme4now$90.001/5/2011 2:58:42 PM
penny-plato$25.001/5/2011 3:54:31 PM
currency-agave$25.001/5/2011 4:00:38 PM
japerk$25.001/5/2011 4:46:36 PM
economy-popcorn$25.001/5/2011 4:20:53 PM
villagers$25.001/5/2011 5:38:18 PM
lucrative-durability$25.001/5/2011 8:05:00 PM
ksubd$100.001/5/2011 5:10:35 PM
felicity-daydream$50.001/5/2011 8:35:50 PM
blissful-cash3$500.001/5/2011 10:53:33 PM
340$45.701/5/2011 11:12:27 PM
lukeskywalkerkp$25.001/5/2011 6:25:07 PM
a2190b$25.001/5/2011 6:49:04 PM
EarlGrey$43.601/5/2011 4:59:59 PM
Havana21$200.001/5/2011 5:02:57 PM
rudy510s$34.231/5/2011 11:44:46 PM
rustysailor$25.001/6/2011 12:05:20 AM
exact-peso2$25.001/6/2011 5:33:15 AM
loanman2007$200.001/6/2011 5:40:50 AM
triumph329$25.001/6/2011 5:49:35 AM
rbgnr111$30.001/6/2011 6:10:10 AM
Artist_Blue$25.001/6/2011 6:10:42 AM
orangetrust$62.001/6/2011 6:15:49 AM
Google_Me$169.381/5/2011 7:27:23 PM
the-kindness-honker$25.991/5/2011 7:34:39 PM
mammalian4$25.001/6/2011 2:03:16 AM
golden-marketplace599$25.001/6/2011 3:27:20 AM
RussiaAC5M$25.001/6/2011 6:16:19 AM
pious-integrity6$25.001/6/2011 6:26:00 AM
paytonbrigadier$250.001/6/2011 3:51:13 AM
DoctorJoe$25.001/6/2011 4:17:28 AM
mspiggybank$400.001/6/2011 5:32:13 AM
credit-panda1$30.001/6/2011 5:35:19 AM
travels536$34.821/6/2011 6:26:44 AM
selector568$400.001/5/2011 10:19:04 AM
b1geasy$25.001/5/2011 10:14:17 AM
cashhelp$60.001/5/2011 10:16:24 AM
building_community$25.001/5/2011 10:22:57 AM
bazaar-festivity$100.001/5/2011 10:23:39 AM
Astyanax$50.001/5/2011 10:20:14 AM
rce1964$25.001/5/2011 10:20:37 AM
handshake5$100.001/5/2011 10:20:57 AM
vine99$90.001/5/2011 10:10:36 AM
enthralling-deal180$50.001/5/2011 10:21:44 AM
wise-dedicated-power$25.001/5/2011 10:13:04 AM
five-star-responsibility0$50.001/5/2011 10:14:39 AM
Banker7371$25.001/5/2011 10:24:53 AM
Dan4703$25.001/5/2011 10:25:35 AM
gold-channel2$50.001/5/2011 10:19:03 AM
ray1051$50.001/5/2011 10:30:41 AM
PrivateLender$25.001/5/2011 10:37:34 AM
Eastern$50.001/5/2011 10:23:05 AM
first-upright-payout$25.001/5/2011 10:30:34 AM
red-unequivocal-finance$25.001/5/2011 10:24:34 AM
Proactive-Financial-Lending$25.001/5/2011 10:31:01 AM
fulfilling-investment4$25.001/5/2011 10:32:21 AM
patriot897$50.001/5/2011 10:26:16 AM
WCLender$50.001/5/2011 10:43:54 AM
tranquil-diversification8$25.001/5/2011 11:50:38 AM
DasMula$57.001/5/2011 10:47:05 AM
Metasequoia$25.001/5/2011 10:49:13 AM
Johnab$25.001/5/2011 12:43:06 PM
one-midas$100.001/5/2011 1:29:38 PM
GElender$50.001/5/2011 10:30:46 AM
hidavehi$25.931/5/2011 11:41:34 AM
first-serene-credit$25.001/5/2011 1:42:07 PM
nilonc1$100.001/5/2011 11:41:57 AM
innocent-income4$25.001/5/2011 10:31:33 AM
retiresecure$25.001/5/2011 2:11:10 PM
radforj22$25.001/5/2011 12:00:17 PM
PrivateLender$25.001/5/2011 10:37:15 AM
sweety075$25.001/5/2011 2:41:18 PM
mikea703$38.801/5/2011 2:50:03 PM
reflective-rupee$33.331/5/2011 11:05:05 AM
AF-Chief$50.001/5/2011 3:17:51 PM
RecoveryLender$29.501/5/2011 1:29:18 PM
Edge-City$25.001/5/2011 1:42:10 PM
tntmojave$25.001/5/2011 2:24:05 PM
beach_bum$25.001/5/2011 12:07:36 PM
tedi-tif$40.001/5/2011 12:32:10 PM
ac787$25.001/5/2011 12:39:40 PM
3_boyz$40.001/5/2011 1:32:49 PM
jsnryn$71.911/5/2011 2:08:40 PM
auctionator1$50.001/5/2011 3:36:55 PM
payout-tamarack9$50.001/5/2011 2:32:33 PM
vutah$25.001/5/2011 4:35:11 PM
soular21804$25.001/5/2011 4:49:42 PM
dproxima$25.001/5/2011 4:37:34 PM
bayareainv$50.001/5/2011 5:02:59 PM
elvisloans$25.001/5/2011 5:08:33 PM
D-N-A_Investments$25.261/5/2011 5:47:38 PM
felicity-loyalist0$25.001/5/2011 6:02:24 PM
a2190b$25.001/5/2011 6:59:38 PM
DP_Investment$50.001/5/2011 4:29:43 PM
Looking4interest$150.001/5/2011 7:14:58 PM
causr08$25.001/5/2011 8:17:45 PM
redtilapia$25.001/5/2011 5:20:50 PM
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djmjkelso$25.001/5/2011 10:21:44 PM
elevated-finance$70.151/5/2011 6:15:28 PM
interest88$25.001/5/2011 6:27:36 PM
Snoopylover$25.001/6/2011 12:55:51 AM
payout-reaction740$25.001/5/2011 6:56:04 PM
visionary-community$25.001/5/2011 4:51:33 PM
KeepOnRunning$50.001/5/2011 7:35:18 PM
unassailable-dollar$50.001/5/2011 4:57:50 PM
goldsun$25.001/5/2011 9:07:13 PM
crafty$25.001/5/2011 9:20:50 PM
rss197$25.001/5/2011 5:02:53 PM
credit-birch$47.001/5/2011 10:40:45 PM
LSolarte$25.691/5/2011 11:51:14 PM
bluefinch$41.741/6/2011 3:16:30 AM
SeekingAlpha$30.001/6/2011 3:19:11 AM
Digs$25.001/6/2011 12:56:59 AM
crw1950$40.001/6/2011 4:27:32 AM
rcj1411$50.001/5/2011 6:23:02 PM
markandrosie$30.021/6/2011 1:20:04 AM
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magnificent-income7$25.001/6/2011 4:43:08 AM
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BlessedEveryDay$26.001/6/2011 5:55:57 AM
Short_Stack$25.001/6/2011 3:10:12 AM
Oak-Parker$29.451/6/2011 4:46:53 AM
travels536$25.001/6/2011 6:26:16 AM
178 Investments
 
Borrower Payment Dependent Notes Series 489857
This series of Notes was issued and sold upon the funding of the borrower loan #46510, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: B Listing Duration: 14 days
Partially Funded: no Estimated loss*: 5.95% Listing Start date:  Jan-04-2011 
Term: 36 months Listing End date:  Jan-05-2011 
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 17.07% Monthly payment: $121.16
 
Lender servicing fee: 1.00% Effective Yield*: 13.67%  
Estimated return*: 7.72%  
* 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-1985 Debt/Income ratio: 22%
Credit score: 720-739 (Jan-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,855Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: agile-moola8 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
repair house roof
Purpose of loan:
This loan will be used to? roof repair

My financial situation:
I am a good candidate for this loan because? I pay all my credit on time

Monthly net income: $ household income between wife and me is 6,200

Monthly expenses: $
??Housing: $ 8500.00 year tax
??Insurance: $ 5,000.00 year
??Car expenses: $30.00 a week gas
??Phone, cable, internet: $ 100.00 month
??Food, entertainment: $ 700.00 a month
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 24,855
??Other expenses: $
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
Q: If you do not own the home why are you paying for the roof repair?? - cclady
A: The house is in my wifes name currently as her father left her the house after he passed on. We plan of course to put both our names on the deed as soon as we can. We have been married 28 years! (Jan-04-2011)
Q: You are asking for the loan to repair your roof on your house. You also list that you don't own a house. Why won't your landlord repair the roof on your house? - repayment-radio
A: The house is currently in my wifes name as her father left her the house when he passed on. We plan to put the house in both our names as soon as possible. We are married 28 years! (Jan-04-2011)
2 question & answer
Information in Questions and Answers is not verified
InvestorAmountInvestment Date (PT)
a-responsible-return$25.001/4/2011 2:59:31 PM
riskreward$100.001/4/2011 3:01:52 PM
nilonc1$100.001/4/2011 3:02:34 PM
myworld701$25.001/4/2011 2:59:09 PM
ray1051$25.001/4/2011 3:04:05 PM
enthralling-deal180$50.001/4/2011 3:01:21 PM
gold-conga$50.001/4/2011 3:05:29 PM
panegryst$25.001/4/2011 3:03:13 PM
Anny-Disco$50.001/4/2011 3:03:27 PM
syounker$25.001/4/2011 3:04:34 PM
loss-of-control$100.001/4/2011 3:42:58 PM
rdrloan$50.001/4/2011 3:06:23 PM
five-star-responsibility0$50.001/4/2011 2:59:02 PM
bazaar-winner$25.001/4/2011 4:20:16 PM
gold-channel2$50.001/4/2011 2:59:57 PM
bazaar-festivity$100.001/4/2011 3:00:32 PM
studious-value8$25.001/4/2011 4:46:47 PM
fightinjoe$50.001/4/2011 3:02:51 PM
Artist_Blue$25.001/4/2011 3:02:59 PM
restless-currency$41.011/4/2011 3:03:49 PM
imlosttoo$25.001/4/2011 5:49:41 PM
Bobafet$25.001/4/2011 5:47:35 PM
jamiee73$25.001/4/2011 6:06:06 PM
ptjg$50.001/4/2011 5:47:37 PM
thankful-nickel2$25.001/4/2011 7:50:56 PM
head$25.001/4/2011 8:26:34 PM
LongTail$25.001/4/2011 10:35:43 PM
Stillinutah$25.001/4/2011 10:47:59 PM
inspired-investment8$100.001/4/2011 9:21:48 PM
zone6$50.001/4/2011 9:35:20 PM
radforj22$25.001/4/2011 9:35:32 PM
wampum-chorus3$25.001/4/2011 6:44:40 PM
economy-beast$25.001/4/2011 6:50:10 PM
goodhearted-basis4$25.001/4/2011 10:51:50 PM
dime-vista2$25.001/5/2011 12:01:21 AM
Ducatiman1978$25.001/5/2011 12:45:34 AM
mammalian4$25.001/4/2011 7:28:27 PM
Heatguy$50.001/4/2011 7:56:05 PM
lonix$25.001/4/2011 8:21:53 PM
estaban2501$31.901/4/2011 9:03:04 PM
banker727$50.001/4/2011 9:32:40 PM
s270$25.001/4/2011 10:19:37 PM
Lendomatic$25.001/5/2011 12:25:10 AM
Astyanax$50.001/4/2011 2:59:32 PM
orgy63$50.001/4/2011 3:01:39 PM
6moonbeams$50.001/4/2011 3:02:45 PM
Banker7371$25.001/4/2011 3:03:20 PM
SimpleChoice$25.001/4/2011 3:03:35 PM
jonn834$25.001/4/2011 3:04:55 PM
Eastern$50.001/4/2011 3:02:11 PM
the-enterprising-leverage$25.001/4/2011 3:05:48 PM
tech310$50.001/4/2011 3:04:10 PM
patriot897$50.001/4/2011 3:04:15 PM
american6$50.001/4/2011 3:04:43 PM
DasMula$37.841/4/2011 3:43:42 PM
BankLV$25.001/4/2011 3:51:34 PM
fishcreek$100.001/4/2011 4:00:56 PM
wealth-competitor$50.001/4/2011 4:12:15 PM
handshake5$100.001/4/2011 3:00:01 PM
vutah$50.001/4/2011 3:00:04 PM
Moneypenny6$25.001/4/2011 3:55:00 PM
building_community$25.001/4/2011 3:02:05 PM
organized-payment6$50.001/4/2011 3:02:26 PM
buckyhead2000$25.001/4/2011 3:03:34 PM
astute-investment5$25.001/4/2011 3:05:06 PM
deal-zoo$50.001/4/2011 3:05:14 PM
bigphish$25.001/4/2011 3:06:18 PM
Earn_money$25.451/4/2011 5:32:34 PM
RandyL3$25.001/4/2011 3:12:47 PM
lloyd_s$50.001/4/2011 5:52:16 PM
Jinja$40.001/4/2011 5:01:14 PM
ultimate-commitment$25.001/4/2011 5:32:26 PM
sammyhammy$25.001/4/2011 5:43:00 PM
imoutdoorsy$25.001/4/2011 7:31:34 PM
tomdooley12520$25.001/4/2011 6:14:57 PM
jms1983$25.001/4/2011 8:14:26 PM
leverage-monger$25.001/4/2011 6:48:40 PM
helpinghand63$42.541/4/2011 5:52:08 PM
wwwUniversal$25.001/4/2011 9:21:12 PM
dospapalotes$50.001/4/2011 9:32:38 PM
Free-the-usa-1776$25.001/4/2011 10:40:34 PM
JustMee$25.001/4/2011 9:11:26 PM
awwaww$25.001/5/2011 1:05:29 AM
rss197$25.001/4/2011 9:36:16 PM
SecondChanceLendingSERV$50.001/4/2011 6:20:03 PM
Squad51$25.001/4/2011 9:56:24 PM
dudebrah$25.001/4/2011 10:17:44 PM
MarcusOcean$25.001/4/2011 6:45:49 PM
Digs$25.001/5/2011 12:48:43 AM
MoneyForNothing$25.001/5/2011 1:08:02 AM
availableloan$25.001/4/2011 10:03:57 PM
zorg77$25.001/4/2011 10:20:22 PM
92 Investments
 
Borrower Payment Dependent Notes Series 489871
This series of Notes was issued and sold upon the funding of the borrower loan #46406, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Partially Funded: no Estimated loss*: 9.80% Listing Start date:  Jan-06-2011 
Term: 36 months Listing End date:  Jan-06-2011 
 
Lender yield: 26.75% Borrower rate/APR: 27.75% / 31.31% Monthly payment: $82.46
 
Lender servicing fee: 1.00% Effective Yield*: 26.08%  
Estimated return*: 16.28%  
* 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): 10 First credit line: Apr-1993 Debt/Income ratio: 5%
Credit score: 620-639 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:8y 4m
Amount delinquent: $0 Total credit lines: 32 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $1,660Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: max6 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 19 ( 70% ) 620-639 (Latest)
Principal borrowed: $1,000.00< 31 days late: 8 ( 30% )  
600-619 (Nov-2007)
600-619 (Apr-2007)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
paying off credit cards
Purpose of loan:
This loan will be used to? pay off credit cards used for tuition

My financial situation:
I am a good candidate for this loan because? I always pay my bills, I earn a good income and I will soon be an APRN with increased earnings.

Monthly net income: $ 8100( just my income) I also collect a $600.00/ month pension from the last hospital I worked at.It is in addition to my annual salary at UCONN. My check goes into a joint checking account, I keep 1600/month to pay bills with. My husband pays for all the household expenses from joint checking. The house and cars are in his name only, we also own a condo in VT that is pd for. I just want to pay off these fewcredit cards and have 1 bill.
Monthly expenses: $
??Housing: $ 0 house is paid for
??Insurance: $ not sure, my husband pays the bills
??Car expenses: $ 450.00
??Utilities:?I only pay for my car, I'm not sure of the other amts??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
InvestorAmountInvestment Date (PT)
Evolver$50.001/6/2011 10:07:34 AM
transaction-circuit$100.001/6/2011 10:08:18 AM
investmentgroup$25.001/6/2011 10:09:17 AM
daekpon$40.001/6/2011 10:08:15 AM
red-favorable-basis$25.001/6/2011 10:13:29 AM
greencat$50.001/6/2011 10:11:19 AM
simplelender80$100.001/6/2011 10:17:55 AM
Kash2010lu$25.001/6/2011 10:18:14 AM
a-successful-credit$100.001/6/2011 10:18:21 AM
patriot897$25.001/6/2011 10:19:13 AM
FarmersBank$50.001/6/2011 10:10:06 AM
Investoman$50.001/6/2011 10:11:48 AM
capital-halo1$500.001/6/2011 10:19:29 AM
randsenterprise$25.001/6/2011 10:08:05 AM
capital-kingdom$25.001/6/2011 10:09:21 AM
113121$400.001/6/2011 10:10:04 AM
musegaze$50.001/6/2011 10:11:42 AM
SqueezeKing$25.001/6/2011 10:08:07 AM
credit-bliss8$25.001/6/2011 10:12:58 AM
velocity-motivator6$25.001/6/2011 10:08:38 AM
pureliquidhw$25.001/6/2011 10:13:54 AM
precious-coin3$50.001/6/2011 10:12:53 AM
thelovebug$100.001/6/2011 10:18:15 AM
a-finance-nirvana$25.001/6/2011 10:18:57 AM
UCLA4life$25.001/6/2011 10:08:29 AM
reflective-rupee$33.331/6/2011 10:19:18 AM
jhouman$25.001/6/2011 10:10:08 AM
handshake5$100.001/6/2011 10:11:43 AM
soulful-truth$50.001/6/2011 10:17:36 AM
29 Investments