Sales Report:Supplement No. 5 dated Jan 20, 2011 to Prospectus dated Jan 12, 2011
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 Jan 12, 2011 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 Jan 12, 2011 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 489693
This series of Notes was issued and sold upon the funding of the borrower loan #46508, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,600.00 Prosper Rating: A Listing Duration: 14 days
Partially Funded: no Estimated loss*: 3.50% Listing Start date:  Jan-05-2011 
Term: 36 months Listing End date:  Jan-06-2011 
 
Lender yield: 9.95% Borrower rate/APR: 10.95% / 13.07% Monthly payment: $183.20
 
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: Jan-1997 Debt/Income ratio: 16%
Credit score: 780-799 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:11y 11m
Amount delinquent: $0 Total credit lines: 31 Occupation: Fireman
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $765Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: hopeful-order0 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 a personal loan
Purpose of loan:
This loan will be used to? pay off a personal loan.

My financial situation:
I am a good candidate for this loan because? I have excellent credit and I'm responsible. MAKE SURE THE LOAN IS 100% FUNDED. I DO NOT NEED HALF THE LOAN AMOUNT. I NEED ALL OR NOTHING. I UNDERSTAND THAT THE $168 SERVICE FEE IS TAKEN OUT OF THE $5,600 I PLAN TO BORROW. THANKS!
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)
a-responsible-return$50.001/5/2011 3:33:39 PM
PrivateLender$25.001/5/2011 3:33:43 PM
five-star-responsibility0$50.001/5/2011 3:28:13 PM
jonn834$25.001/5/2011 3:35:34 PM
mar97$50.001/5/2011 3:35:53 PM
inspired-investment8$100.001/5/2011 3:36:04 PM
vinayski$25.001/5/2011 4:31:56 PM
6moonbeams$50.001/5/2011 3:28:46 PM
enthralling-deal180$50.001/5/2011 3:29:03 PM
fulfilling-investment4$25.001/5/2011 3:36:56 PM
investment-star$50.001/5/2011 4:47:51 PM
handshake5$100.001/5/2011 3:33:36 PM
tolerant-dinero2$25.001/5/2011 3:34:09 PM
bazaar-festivity$100.001/5/2011 3:34:26 PM
buckyhead2000$25.001/5/2011 3:34:53 PM
nilonc1$100.001/5/2011 4:50:24 PM
vutah$50.001/5/2011 4:43:14 PM
ray1051$50.001/5/2011 3:36:17 PM
Proactive-Financial-Lending$25.001/5/2011 3:36:26 PM
radforj22$25.001/5/2011 3:37:03 PM
leverage-monger$25.001/5/2011 3:53:36 PM
visionary-community$25.001/5/2011 4:51:38 PM
JustMee$25.001/5/2011 4:52:15 PM
villagers$25.001/5/2011 5:38:26 PM
rcj1411$50.001/5/2011 6:24:13 PM
indomitable-coin$100.001/5/2011 4:49:55 PM
bayareainv$50.001/6/2011 1:03:28 AM
circustab$50.001/5/2011 8:30:09 PM
Xarach$35.091/5/2011 9:29:21 PM
magnificent-income7$25.001/6/2011 4:39:11 AM
MissionMicroFinance$25.001/6/2011 6:10:25 AM
SimpleChoice$25.001/6/2011 1:43:16 AM
Short_Stack$25.001/6/2011 3:12:30 AM
golden-marketplace599$25.001/6/2011 3:31:01 AM
blue-useful-auction$25.001/6/2011 7:42:55 AM
octoberfresh$25.001/6/2011 8:00:41 AM
investment-artist$50.001/6/2011 8:09:17 AM
GALERXLoans$25.001/6/2011 8:31:59 AM
Iowa65$25.061/6/2011 8:33:03 AM
jrhinomo$36.801/6/2011 9:27:26 AM
dospapalotes$50.001/6/2011 9:33:54 AM
awwaww$25.001/6/2011 9:35:53 AM
mspiggybank$200.001/6/2011 5:36:01 AM
unafraid-loan5$25.001/6/2011 10:12:13 AM
yield-spectacle$50.001/6/2011 7:04:08 AM
Heater36$25.001/6/2011 8:26:12 AM
debt-legend$25.001/6/2011 10:37:24 AM
fairmaiden$25.001/6/2011 10:38:54 AM
Januck$50.001/6/2011 12:00:09 PM
Marathon418$25.001/6/2011 11:10:59 AM
Dan4703$25.001/6/2011 11:17:18 AM
Ripsaw4U$50.001/6/2011 1:10:22 PM
creativename$25.001/6/2011 2:11:16 PM
Quest4euphoria$25.001/6/2011 10:52:19 AM
tomdooley12520$25.001/6/2011 11:01:10 AM
balance-voyager$50.001/6/2011 3:30:46 PM
debugger$25.001/6/2011 11:14:10 AM
JustOneVoice$25.001/6/2011 11:26:56 AM
joyous-revenue4$25.001/6/2011 11:43:58 AM
puifais$50.001/6/2011 12:11:01 PM
manugee$50.001/6/2011 3:54:20 PM
Kessler$30.001/6/2011 3:52:14 PM
greenback-guard$25.001/6/2011 3:54:15 PM
blivndrms$25.001/6/2011 3:45:38 PM
Jassi$25.001/6/2011 3:50:05 PM
power-rotation7$50.001/6/2011 4:24:59 PM
hedgebaby$50.001/6/2011 4:50:44 PM
barkochva$25.001/6/2011 4:49:20 PM
wwwUniversal$25.001/6/2011 4:56:15 PM
dproxima$25.001/6/2011 4:49:57 PM
mozzarella$32.001/6/2011 5:07:51 PM
subtle-revenue0$25.001/6/2011 5:22:17 PM
historyman$25.001/6/2011 6:27:28 PM
payout-detective7$36.681/6/2011 6:04:36 PM
riskreward$100.001/5/2011 3:34:02 PM
fightinjoe$50.001/5/2011 3:34:38 PM
GElender$50.001/5/2011 3:28:59 PM
astute-benjamins$25.001/5/2011 3:29:36 PM
RandyL3$25.001/5/2011 3:37:04 PM
AF-Chief$50.001/5/2011 3:37:21 PM
TSC$100.001/5/2011 3:33:37 PM
organized-payment6$50.001/5/2011 3:33:41 PM
orgy63$50.001/5/2011 3:33:50 PM
panegryst$25.001/5/2011 3:34:43 PM
Banker7371$25.001/5/2011 3:34:46 PM
quantumwellguy$50.001/5/2011 3:26:42 PM
one-midas$25.001/5/2011 4:41:30 PM
commerce-yeller$50.001/5/2011 3:36:06 PM
first-upright-payout$25.001/5/2011 3:36:14 PM
red-unequivocal-finance$25.001/5/2011 3:37:07 PM
felicity-loyalist0$25.001/5/2011 3:48:03 PM
myworld701$25.001/5/2011 3:30:30 PM
japerk$25.001/5/2011 4:47:19 PM
Eastern$50.001/5/2011 3:34:12 PM
patriot897$50.001/5/2011 3:35:15 PM
american6$50.001/5/2011 3:35:30 PM
innocent-income4$25.001/5/2011 3:36:35 PM
reflective-rupee$33.331/5/2011 4:08:26 PM
Artist_Blue$25.001/5/2011 5:07:52 PM
goldsun$25.001/5/2011 9:09:38 PM
goodhearted-basis4$25.001/5/2011 11:46:34 PM
lendme2$50.001/5/2011 6:04:42 PM
causr08$25.001/5/2011 8:17:46 PM
rce1964$25.001/6/2011 1:17:10 AM
jayk63$25.001/6/2011 3:22:27 AM
lukeskywalkerkp$50.001/5/2011 6:24:27 PM
triumph329$25.001/6/2011 5:51:19 AM
DasMula$38.841/5/2011 9:59:48 PM
Moneypenny6$25.001/6/2011 8:43:33 AM
cclady$100.001/6/2011 8:29:27 AM
FLFF$50.001/6/2011 7:49:29 AM
Aimvest$25.001/6/2011 8:25:05 AM
Earn_money$25.801/6/2011 10:17:40 AM
GTMoneyMan$25.001/6/2011 10:06:46 AM
wealth-comet694$25.001/6/2011 10:19:25 AM
TigerForce$30.001/6/2011 10:50:12 AM
cwegert$25.001/6/2011 11:33:38 AM
Book-Mark$25.001/6/2011 11:18:00 AM
cash-backer8$50.001/6/2011 12:46:28 PM
gain-mountain1$50.001/6/2011 11:52:48 AM
gilbrear$25.001/6/2011 3:21:52 PM
penny-finder$41.471/6/2011 3:27:36 PM
friendinmoney$42.731/6/2011 3:42:23 PM
investment-kazoo$25.001/6/2011 11:19:03 AM
investment-kazoo$25.001/6/2011 11:22:55 AM
Mr_Marcus$50.001/6/2011 3:30:32 PM
goodhearted-gold3$100.001/6/2011 1:45:05 PM
Cherrypicker$50.001/6/2011 3:42:48 PM
runfree$85.001/6/2011 3:53:12 PM
DanV$25.001/6/2011 4:39:36 PM
gold-channel2$25.001/6/2011 4:54:09 PM
credit-panda1$30.001/6/2011 4:56:14 PM
FundMaker$25.001/6/2011 4:59:45 PM
MoneyTree79$25.001/6/2011 5:47:41 PM
Rider$30.001/6/2011 5:19:50 PM
loan-oasis4$25.001/6/2011 6:12:53 PM
WiscoInvestments$25.001/6/2011 6:23:15 PM
bountiful-durability$100.001/6/2011 5:22:06 PM
chibear34$25.001/6/2011 5:44:48 PM
cxl9$47.201/6/2011 6:36:45 PM
Johnab$25.001/6/2011 6:06:37 PM
141 Investments
 
Borrower Payment Dependent Notes Series 489801
This series of Notes was issued and sold upon the funding of the borrower loan #46666, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Partially Funded: no Estimated loss*: 10.80% Listing Start date:  Jan-10-2011 
Term: 36 months Listing End date:  Jan-11-2011 
 
Lender yield: 28.50% Borrower rate/APR: 29.50% / 33.10% Monthly payment: $316.34
 
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): 5 First credit line: Feb-1997 Debt/Income ratio: 42%
Credit score: 720-739 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:8y 10m
Amount delinquent: $0 Total credit lines: 19 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,402Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: income-blaster9 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to? pay off my credit cards

My financial situation:
I am a good candidate for this loan because?I pay my monthly bills including this new payment on time.?

Monthly net income: $

Monthly expenses: $
??Housing: $ 589.00
??Insurance: $ 87.00
??Car expenses: $ 447.11
??Utilities: $ 200.00
??Phone, cable, internet: $ 120.00
??Food, entertainment: $ 65.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 200.00
??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: I have bid on your loan. You have a great employment history (9 years!), No DQs, 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) So Please don?t let me down! - I-Believe-In-You
A: I will pay this loan in a timely manner every month. I have worked real hard to get a strong credit score of which I have now mostly of paying my bills on time in a timely manner every month. So...I am 100% commited of paying this loan every month in a timely manner. If I thought this payment was not what I could afford I would not have taken your offer. I would appreciate if you could give me a chance. I am also getting a second job which will help as well. Thankyou! (Jan-11-2011)
1 question & answer
Information in Questions and Answers is not verified
InvestorAmountInvestment Date (PT)
DasMula$25.001/10/2011 3:49:37 PM
Kash2010lu$50.001/10/2011 3:52:33 PM
KMSB$50.001/10/2011 3:57:27 PM
musegaze$50.001/10/2011 3:52:35 PM
the-auction-bear$25.001/10/2011 3:57:38 PM
handshake5$100.001/10/2011 3:52:38 PM
ThatDanGuy$50.001/10/2011 3:57:56 PM
marketplace-buckeye$25.001/10/2011 3:58:50 PM
cunning-bill$25.001/10/2011 5:04:19 PM
JustMee$25.001/10/2011 5:34:10 PM
capital-halo1$500.001/10/2011 3:57:16 PM
ac787$25.001/10/2011 5:58:12 PM
penny-sergeant$25.001/10/2011 6:06:16 PM
simplelender80$100.001/10/2011 3:57:03 PM
bazaar-festivity$100.001/10/2011 3:57:08 PM
genius520$100.001/10/2011 3:57:54 PM
felicity-clipper$25.001/10/2011 7:06:35 PM
JJ9876$25.001/10/2011 3:57:58 PM
point-kitten6$50.001/10/2011 3:58:43 PM
p1k4blu$25.001/10/2011 3:58:08 PM
scrappy-diversification7$1,500.001/10/2011 3:59:09 PM
amusement4$50.001/10/2011 3:58:17 PM
rss197$25.001/10/2011 3:58:34 PM
greencat$50.001/10/2011 4:03:41 PM
wonder3$25.001/10/2011 4:11:06 PM
honorable-yield$25.001/10/2011 3:58:59 PM
houli123$1,000.001/10/2011 8:58:44 PM
radforj22$25.001/10/2011 3:59:23 PM
bid-czar8$50.001/10/2011 5:03:49 PM
LKCGICG$25.001/10/2011 11:19:36 PM
sharp518$25.001/10/2011 11:57:38 PM
SolarMoonshine$25.001/10/2011 5:56:07 PM
SFBank$200.001/10/2011 6:15:38 PM
I-Believe-In-You$25.001/10/2011 6:35:15 PM
thankful-nickel2$25.001/10/2011 7:12:54 PM
kendigme$25.001/11/2011 3:30:47 AM
respectful-credit3$25.001/11/2011 4:27:14 AM
glroark$100.001/11/2011 5:14:42 AM
momentous-value$25.001/10/2011 8:15:25 PM
thrifty-capital$25.001/10/2011 9:05:10 PM
2grindstones$25.001/10/2011 10:12:47 PM
foothillender$25.001/11/2011 7:00:00 AM
BankofRon$25.001/11/2011 12:22:11 AM
competent-p2p$62.071/11/2011 7:57:57 AM
onecooldrink$25.001/11/2011 12:43:22 AM
mmeyer_jr$43.941/11/2011 8:30:19 AM
power-secret-agent$25.001/11/2011 2:22:13 AM
global1adventurer$25.001/11/2011 9:41:35 AM
pfh$25.001/11/2011 5:56:57 AM
culldud6900$55.001/11/2011 5:41:03 AM
RyanM561$25.001/11/2011 7:47:34 AM
eman48$27.801/11/2011 8:47:42 AM
87Marc$25.001/11/2011 8:13:45 AM
credit-coach118$35.001/11/2011 8:37:06 AM
gold-channel2$25.001/11/2011 9:23:45 AM
delicious-cash$25.001/11/2011 9:34:13 AM
bold-dynamic-silver$25.001/11/2011 9:43:31 AM
Investoman$100.001/10/2011 3:52:41 PM
nilonc1$50.001/10/2011 3:54:36 PM
EBITDA$25.001/10/2011 3:57:21 PM
investment-star$50.001/10/2011 3:58:26 PM
a-successful-credit$100.001/10/2011 3:57:07 PM
magnifico932$25.001/10/2011 6:03:58 PM
Mr-Miracle$25.001/10/2011 3:57:42 PM
inspire22$25.001/10/2011 3:58:21 PM
kendallv$25.001/10/2011 3:58:38 PM
reflective-rupee$99.991/10/2011 4:48:24 PM
AlfinityBank25$25.001/10/2011 10:02:41 PM
first-serene-credit$25.001/10/2011 5:04:53 PM
shrewd-income$25.001/10/2011 5:11:47 PM
vine99$50.001/10/2011 5:48:08 PM
lendstats_com$150.001/10/2011 6:03:16 PM
one-midas$25.001/10/2011 5:56:48 PM
Bob450$25.001/11/2011 12:41:41 AM
witty-openness$25.001/10/2011 6:39:13 PM
amusement4$100.001/10/2011 6:59:38 PM
Moe87$28.221/11/2011 3:40:29 AM
well-mannered-income3$40.001/10/2011 7:51:59 PM
Whipster$25.001/10/2011 7:59:12 PM
zorg77$25.001/10/2011 11:01:22 PM
Artist_Blue$25.001/11/2011 6:03:51 AM
Chex$500.001/11/2011 8:26:48 AM
money-baron$50.001/11/2011 8:38:56 AM
FinanceEngine$25.001/11/2011 8:46:16 AM
Leshan$25.001/11/2011 8:51:20 AM
kind-important-liberty9$25.001/11/2011 9:34:34 AM
american-investor$28.741/11/2011 9:41:43 AM
loan-oasis4$25.001/11/2011 4:40:46 AM
Mrgiggleswic$74.401/11/2011 5:36:02 AM
zipemdown$50.001/11/2011 6:04:36 AM
carrinel$50.001/11/2011 6:59:58 AM
loss-of-control$50.001/11/2011 7:07:52 AM
VJ_Financial$100.001/11/2011 7:52:56 AM
hellasow$25.001/11/2011 8:32:53 AM
parsec9$25.001/11/2011 9:35:51 AM
money-baron$50.001/11/2011 9:43:26 AM
money-baron$104.841/11/2011 9:43:41 AM
97 Investments
 
Borrower Payment Dependent Notes Series 490015
This series of Notes was issued and sold upon the funding of the borrower loan #46584, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $14,000.00 Prosper Rating: B Listing Duration: 14 days
Partially Funded: no Estimated loss*: 5.95% Listing Start date:  Jan-07-2011 
Term: 36 months Listing End date:  Jan-11-2011 
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 17.07% Monthly payment: $484.63
 
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: Jul-2002 Debt/Income ratio: 16%
Credit score: 720-739 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:10y 11m
Amount delinquent: $0 Total credit lines: 14 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,128Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: No  
Screen name: spry-payout9 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards and irs
Purpose of loan:
This loan will be used to? i will use this loan to pay off all open card loans and the irs

My financial situati
I am a good candidate for this loan because? im good at making sure my bills get payed on time and more then just the min. my goal is to become finacialy sound

Monthly net income: $ 3200+

Monthly expenses: $
??Housing: $ 316.00
??Insurance: $ 100
??Car expenses: $ 240.00
??Utilities: $ 180
??Phone, cable, internet: $ 85.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 600.00
??Other expenses: $ 350.00
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)
selector568$200.001/7/2011 9:17:20 AM
bazaar-festivity$100.001/7/2011 9:17:28 AM
6moonbeams$50.001/7/2011 9:24:14 AM
handshake5$100.001/7/2011 9:26:19 AM
organized-payment6$50.001/7/2011 9:26:30 AM
tech310$50.001/7/2011 9:27:03 AM
balance-voyager$50.001/7/2011 9:27:21 AM
indomitable-coin$100.001/7/2011 9:32:49 AM
tolerant-dinero2$25.001/7/2011 9:28:38 AM
Banker7371$25.001/7/2011 9:29:59 AM
jonn834$25.001/7/2011 9:30:24 AM
inspired-investment8$100.001/7/2011 9:31:04 AM
credit-panda1$25.001/7/2011 9:36:22 AM
investment-artist$50.001/7/2011 9:31:08 AM
nilonc1$50.001/7/2011 9:33:23 AM
ianakacg$25.001/7/2011 9:34:10 AM
skuba$75.001/7/2011 9:34:46 AM
SimpleChoice$25.001/7/2011 9:50:52 AM
ichibon$250.001/7/2011 9:36:34 AM
inforapenny$50.001/7/2011 9:49:32 AM
five-star-responsibility0$50.001/7/2011 10:21:01 AM
drysdale-sd$70.001/7/2011 12:05:56 PM
DasMula$57.001/7/2011 11:30:26 AM
ammasv$25.001/7/2011 11:41:00 AM
chestnut4$25.001/7/2011 11:54:40 AM
loss-of-control$50.001/7/2011 1:45:37 PM
economy-beast$25.001/7/2011 1:20:04 PM
money-explorer3$25.001/7/2011 1:23:59 PM
first-upright-payout$25.001/7/2011 2:28:31 PM
superpuppy$50.001/7/2011 4:28:51 PM
sweet-bonus$25.001/7/2011 5:34:59 PM
ethicalhumanist$50.001/7/2011 6:17:41 PM
dough-funkmaster$25.001/7/2011 8:43:13 PM
Tradesmanlender$29.391/8/2011 2:39:50 AM
the-determined-value$25.001/7/2011 11:44:08 PM
gjm6d$25.001/8/2011 5:49:47 AM
Papa_Mema$25.001/8/2011 2:25:34 AM
DcUnited$30.001/8/2011 7:06:20 AM
Sol_Invictus$25.001/8/2011 4:25:24 AM
credit-scout7$25.001/8/2011 8:10:51 AM
comet55$25.001/8/2011 10:59:31 AM
simplelender80$100.001/8/2011 7:35:54 AM
FinDoc$25.001/8/2011 8:10:35 AM
poeman$50.001/8/2011 8:14:18 AM
roman2008$25.001/8/2011 9:06:13 AM
Katburg$50.001/8/2011 8:18:34 AM
one-midas$25.001/8/2011 3:28:32 PM
meenan$50.001/8/2011 10:54:01 AM
omahajay$25.001/8/2011 4:06:59 PM
ujiba$50.001/8/2011 3:59:20 PM
balanced-rupee$50.001/8/2011 2:44:45 PM
power-trophy7$25.001/8/2011 4:40:54 PM
amusement4$100.001/8/2011 11:11:50 PM
all_of_that_one$25.001/8/2011 5:12:14 PM
efficient-treasure0$25.001/8/2011 7:18:56 PM
Binan$25.001/9/2011 6:41:21 AM
AK49-JW$25.001/8/2011 7:59:23 PM
rss197$25.001/9/2011 6:43:59 AM
mdree$75.001/9/2011 7:39:48 AM
Corellia$100.001/9/2011 12:13:38 PM
gpuck$25.001/9/2011 2:33:31 PM
E_G$50.001/9/2011 4:58:58 PM
oploans$50.001/9/2011 6:03:39 PM
thankful-nickel2$25.001/9/2011 8:28:52 PM
PThor$25.001/10/2011 7:15:27 AM
rockymtbob$25.001/10/2011 7:17:43 AM
rdrloan$50.001/10/2011 7:38:42 AM
tremendous-payment$25.001/10/2011 7:46:52 AM
locofuego$50.001/10/2011 8:39:01 AM
economy-producer$25.001/10/2011 11:29:01 AM
lostontheedge$25.001/10/2011 9:48:24 AM
selfmademan$25.001/10/2011 12:22:07 PM
ThomasCranmer$50.001/10/2011 2:10:26 PM
FmrEngr2Phd$25.001/10/2011 1:36:54 PM
Cherrypicker$40.001/10/2011 3:16:32 PM
napoleon1168$50.001/10/2011 6:53:56 PM
fabulous-revenue7$25.001/10/2011 8:55:36 PM
kulender$50.001/11/2011 12:40:51 AM
Ambassador$50.001/11/2011 4:39:37 AM
TrixieD$25.001/10/2011 8:03:46 PM
brother_tam$50.001/11/2011 12:33:14 AM
peso-fortress$25.001/11/2011 9:08:28 AM
treasure-bliss$50.001/11/2011 12:50:55 AM
market-jam$25.491/11/2011 12:51:27 AM
kind-important-liberty9$25.001/11/2011 9:34:36 AM
MO_Investor$25.001/11/2011 9:35:45 AM
JDFuego$50.001/11/2011 6:33:46 AM
reward-walnut$50.001/11/2011 6:39:13 AM
ElChico124$50.001/11/2011 7:50:41 AM
kanewna$50.001/11/2011 9:34:22 AM
visionary-community$25.001/11/2011 9:38:42 AM
Leopoldine$25.001/11/2011 9:35:52 AM
ursus$200.001/11/2011 9:58:50 AM
smmgnn99$25.001/11/2011 9:56:35 AM
jazzlender$47.851/11/2011 11:26:27 AM
sjlnn$34.741/11/2011 11:27:00 AM
money-bauble$100.001/11/2011 11:27:54 AM
wealth-revolutionary$50.001/11/2011 10:15:32 AM
Ocean713$50.001/11/2011 11:48:49 AM
kscc183$25.001/11/2011 11:26:12 AM
InvestorPartners$25.001/11/2011 11:26:51 AM
CaliforniaSun$25.001/11/2011 11:26:52 AM
velocity-solo$25.001/11/2011 11:28:00 AM
richboy56$25.001/11/2011 11:33:55 AM
johnayan$50.001/11/2011 1:49:10 PM
icchok$50.001/11/2011 1:49:28 PM
newest-generous-income$25.001/11/2011 1:49:36 PM
enigmallc$25.001/11/2011 1:49:49 PM
mike279766$25.001/11/2011 1:49:53 PM
responsibility-cherry6$50.001/11/2011 1:50:01 PM
hopeful-truth5$100.001/11/2011 1:50:07 PM
Barak$100.001/11/2011 1:50:15 PM
ultimatepaintball$25.001/11/2011 1:50:23 PM
fair_rates$25.001/11/2011 1:50:46 PM
blue-sturdy-bazaar$50.001/11/2011 1:53:32 PM
trapper8$25.001/11/2011 1:53:49 PM
best-listing-toro$25.001/11/2011 1:53:52 PM
elegant-loot$25.001/11/2011 1:54:12 PM
agalt$75.001/11/2011 11:58:49 AM
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forthright-principal2$25.001/11/2011 1:49:18 PM
fcukciti$25.001/11/2011 1:49:23 PM
enchanted-note$25.001/11/2011 12:56:11 PM
worldly-community3$50.001/11/2011 1:49:51 PM
revenue-achievement$25.001/11/2011 1:50:02 PM
calkidd05$25.001/11/2011 3:23:58 PM
tender-integrity3$100.001/11/2011 1:50:16 PM
monroemoney$25.001/11/2011 3:24:29 PM
Dreams4Cash$25.001/11/2011 1:50:34 PM
LKN2RTR$25.001/11/2011 3:24:34 PM
ssh1983$25.001/11/2011 3:24:38 PM
Brainworm$25.001/11/2011 1:53:38 PM
RB_Double-A_Bravo$25.001/11/2011 3:24:47 PM
velocity-amplifier9$50.001/11/2011 1:53:46 PM
rogue_monster$50.001/11/2011 3:24:54 PM
divemaster$25.001/11/2011 1:54:02 PM
order-elevator7$25.001/11/2011 1:49:13 PM
yarg$50.001/11/2011 3:25:02 PM
hrubinst$50.001/11/2011 1:54:47 PM
Hokie83$50.001/11/2011 3:25:25 PM
j2ee$25.001/11/2011 1:49:56 PM
brandilton$25.001/11/2011 3:25:30 PM
panther757$25.001/11/2011 1:50:03 PM
likeable-leverage5$250.001/11/2011 3:25:34 PM
ROCKI9$50.001/11/2011 1:50:13 PM
benefit-piano5$25.001/11/2011 3:25:45 PM
DUDE66$50.001/11/2011 1:50:21 PM
theaterguy$25.001/11/2011 3:25:49 PM
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romario$25.001/11/2011 3:25:53 PM
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Mopedcouple$50.001/11/2011 1:53:44 PM
efficient-marketplace$25.001/11/2011 1:53:50 PM
gold-sushi$25.001/11/2011 1:54:04 PM
finance_mba$25.001/11/2011 2:18:41 PM
HarrisonHome$50.001/11/2011 3:23:54 PM
Kame$25.001/11/2011 3:24:00 PM
gotchai$25.001/11/2011 3:24:16 PM
alpinaut$25.001/11/2011 3:24:20 PM
ReallyGoodGuy$25.001/11/2011 3:24:24 PM
WiseInvestments$25.001/11/2011 3:24:31 PM
BlackFred$25.001/11/2011 3:24:39 PM
phoko$25.001/11/2011 3:24:42 PM
loan-master996$50.001/11/2011 3:24:51 PM
chicagobear23$50.001/11/2011 3:24:58 PM
Medops911$25.001/11/2011 3:25:26 PM
rangers94$25.001/11/2011 3:25:35 PM
mrkb80$25.001/11/2011 3:23:56 PM
gunderstone$25.001/11/2011 3:24:01 PM
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aader$25.001/11/2011 3:24:27 PM
sensational-dinero6$50.001/11/2011 3:24:53 PM
sarisai$50.001/11/2011 3:25:01 PM
rachelrachelrachel$25.001/11/2011 3:25:31 PM
Searlzy$25.001/11/2011 3:25:38 PM
Anny-Disco$50.001/11/2011 3:25:41 PM
PsiPro$25.001/11/2011 3:25:44 PM
a-responsible-return$25.001/7/2011 9:26:10 AM
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fightinjoe$50.001/7/2011 9:29:55 AM
ray1051$25.001/7/2011 9:26:38 AM
enthralling-deal180$50.001/7/2011 9:24:45 AM
GElender$50.001/7/2011 9:26:47 AM
adventurous-treasure2$50.001/7/2011 9:26:12 AM
Ripsaw4U$50.001/7/2011 9:33:02 AM
bountiful-durability$100.001/7/2011 9:33:43 AM
Eastern$50.001/7/2011 9:29:25 AM
patriot897$50.001/7/2011 9:30:11 AM
bowdish1$50.001/7/2011 9:35:22 AM
worthy-bid8$50.001/7/2011 9:36:39 AM
villagers$25.001/7/2011 9:31:55 AM
Aimvest$25.001/7/2011 9:32:37 AM
shrewd-credit7$50.001/7/2011 9:44:52 AM
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genius520$100.001/7/2011 9:46:41 AM
thrilling-nickel5$25.001/7/2011 11:41:03 AM
museic1$50.001/7/2011 11:11:36 AM
lendstats_com$200.001/7/2011 11:12:06 AM
generosity-finder8$33.001/7/2011 11:55:07 AM
bonus-genius$25.001/7/2011 11:12:50 AM
ciscoparrot$25.001/7/2011 11:13:21 AM
JustMee$25.001/7/2011 11:23:18 AM
vinyl117$25.001/7/2011 11:29:27 AM
contract-lionheart$58.641/7/2011 12:22:28 PM
1SteelerFan$30.001/7/2011 1:36:29 PM
subtle-revenue0$25.001/7/2011 4:25:52 PM
UncleSafety$33.791/7/2011 3:37:22 PM
riproaringrapids$25.001/7/2011 7:56:10 PM
payment-halo$25.001/7/2011 6:26:54 PM
zorg77$25.001/7/2011 8:33:09 PM
Leshan$25.001/8/2011 6:36:37 AM
credit-investor5$25.001/8/2011 8:10:43 AM
kendigme$30.171/8/2011 6:40:28 AM
capital-dynamo0$50.001/8/2011 6:54:59 AM
peso-colonel$50.001/8/2011 8:01:07 AM
commerce-web5$50.001/8/2011 2:16:12 PM
adventurous-cash$25.001/8/2011 11:46:47 AM
BaxterEvil$25.001/8/2011 11:46:56 AM
johannesfactotum$25.001/8/2011 12:01:31 PM
auction-seeker$25.001/8/2011 4:01:25 PM
balance-force$29.001/8/2011 3:35:10 PM
commerce-yeller$25.001/8/2011 6:45:29 PM
bowl800$25.001/9/2011 5:19:47 AM
inspire22$50.001/8/2011 8:38:50 PM
1phantom$50.001/9/2011 9:34:06 AM
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simeonthewhale$25.001/9/2011 12:52:41 PM
FinanceEngine$25.001/9/2011 1:30:36 PM
life-is-great$50.001/9/2011 11:27:02 AM
fuzed$45.001/9/2011 4:00:38 PM
aasx1108$25.001/9/2011 11:39:00 AM
LindaRicci$25.001/9/2011 6:26:57 PM
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csak13$25.001/9/2011 4:11:17 PM
japerk$25.001/9/2011 4:19:36 PM
mpatrick$25.001/9/2011 6:52:39 PM
blue111$25.001/9/2011 7:55:47 PM
hurricanefever$50.001/10/2011 6:50:46 AM
hope-lionheart1$36.001/9/2011 8:27:04 PM
robertmm25$50.001/9/2011 9:28:51 PM
CashBank$25.001/10/2011 8:32:17 AM
nalaari$25.001/10/2011 5:59:35 AM
honorable-yield$25.001/10/2011 9:00:15 AM
Queueball1$25.001/10/2011 10:01:48 AM
reward-motion$25.001/10/2011 9:37:23 AM
dollardave$100.001/10/2011 9:44:59 AM
nulyweds$39.841/10/2011 12:40:14 PM
himanshuko$25.001/10/2011 11:39:19 AM
Hola_James$25.001/10/2011 2:42:35 PM
sensible-fund$25.001/10/2011 3:34:37 PM
TURNTEX75$25.001/10/2011 4:38:58 PM
carlover$25.001/10/2011 7:08:52 PM
flwah$25.001/11/2011 12:42:00 AM
amusement4$100.001/10/2011 7:06:07 PM
fuke$25.001/10/2011 9:58:29 PM
the-bright-velocity$25.001/11/2011 12:54:39 AM
archeanchaos$25.001/11/2011 1:48:52 AM
ArchonFinancialHoldings$50.001/11/2011 9:34:27 AM
acebandit$50.001/11/2011 1:48:49 AM
Trevor_C$25.001/11/2011 9:35:14 AM
kendigme$25.001/11/2011 3:33:06 AM
BrandonW$25.001/11/2011 6:03:35 AM
calinno2$25.001/11/2011 8:53:44 AM
Gibbyland$30.341/11/2011 9:38:38 AM
dmfog$25.001/11/2011 10:03:22 AM
CapitolHill$25.001/11/2011 10:24:02 AM
helpishere777$50.001/11/2011 10:31:25 AM
payout-banker4$25.001/11/2011 11:26:08 AM
pinnacle10$25.001/11/2011 10:03:37 AM
dmeg$25.001/11/2011 10:09:07 AM
Approved1234$50.001/11/2011 11:49:32 AM
pwkpwk$25.001/11/2011 10:33:38 AM
persistent-value3$32.461/11/2011 11:13:03 AM
fishman42$25.001/11/2011 11:18:42 AM
gold-blanket0$25.001/11/2011 11:26:22 AM
vacaerol$25.001/11/2011 1:06:20 PM
MGinvest$25.001/11/2011 1:30:43 PM
DadWarbucks$60.001/11/2011 11:29:10 AM
IIP77$25.001/11/2011 11:27:57 AM
SiebirdLending$25.001/11/2011 1:49:24 PM
skurfa$25.001/11/2011 11:34:10 AM
orgy63$50.001/11/2011 1:49:41 PM
Philosonie$25.001/11/2011 1:49:46 PM
AMSlife$50.001/11/2011 1:49:52 PM
WLenders$50.001/11/2011 1:49:57 PM
seanambrose$25.001/11/2011 1:50:06 PM
powerful-finance7$25.001/11/2011 1:50:10 PM
Investoman$100.001/11/2011 1:50:18 PM
ti22ring$25.001/11/2011 1:53:36 PM
helvet$25.001/11/2011 1:53:51 PM
zaquiri_ice$25.001/11/2011 1:53:56 PM
buyrite334$25.001/11/2011 2:43:40 PM
five-star-justice$36.001/11/2011 3:14:06 PM
traveler50$25.001/11/2011 1:49:15 PM
accountant41$25.001/11/2011 1:49:21 PM
youthful-greenback3$25.001/11/2011 1:49:26 PM
Havana21$200.001/11/2011 1:49:59 PM
radiant-cash$50.001/11/2011 3:23:53 PM
ASR3$35.001/11/2011 1:50:12 PM
KarmaBum77$25.001/11/2011 3:23:58 PM
RoyFauntleroy$50.001/11/2011 1:50:19 PM
mebobeh$50.001/11/2011 3:24:15 PM
investment-comet$25.001/11/2011 1:50:25 PM
L-vex$25.001/11/2011 3:24:32 PM
br4444$48.451/11/2011 3:24:35 PM
Shockem923$25.001/11/2011 1:53:40 PM
Bio-physicist$25.001/11/2011 3:24:49 PM
BlindJoeDeath$50.001/11/2011 1:53:49 PM
dunedin$25.001/11/2011 1:49:06 PM
bharosa$25.001/11/2011 3:24:57 PM
investment-tempo$50.001/11/2011 1:54:05 PM
building_community$25.001/11/2011 1:49:31 PM
wealthy60$50.001/11/2011 3:25:22 PM
ava2009$50.001/11/2011 1:49:55 PM
adaptable-camaraderi$50.001/11/2011 3:25:28 PM
rcmso$100.001/11/2011 1:50:00 PM
NorthernFunds$50.001/11/2011 3:25:32 PM
platinum-genetics$25.001/11/2011 1:50:04 PM
C_Mark$50.001/11/2011 1:50:17 PM
irrelevant$25.001/11/2011 3:25:47 PM
davidc314$50.001/11/2011 3:25:50 PM
balance-warrior$25.001/11/2011 1:53:42 PM
PatriotKnight$25.001/11/2011 1:53:48 PM
Tasmir$25.001/11/2011 1:53:59 PM
lending_well$35.541/11/2011 1:54:07 PM
wwwUniversal$25.001/11/2011 1:54:58 PM
BaltimoreLender$25.001/11/2011 3:23:55 PM
debone44$50.001/11/2011 3:24:08 PM
Rick21$50.001/11/2011 3:24:17 PM
crazybill$25.001/11/2011 3:24:22 PM
e6400$45.401/11/2011 3:24:26 PM
LittlePiggyBank$25.001/11/2011 3:24:37 PM
Ragestang$25.001/11/2011 3:24:40 PM
und-alum$50.001/11/2011 3:24:55 PM
Victor-E-Lane$25.001/11/2011 3:25:05 PM
syounker$25.001/11/2011 3:25:16 PM
lokiswolf$27.001/11/2011 3:25:52 PM
kvandivo$25.001/11/2011 3:23:48 PM
liquidbread11$25.001/11/2011 3:23:57 PM
dedicated-bid1$25.001/11/2011 3:24:03 PM
red-favorable-basis$25.001/11/2011 3:24:14 PM
happy-contract8$50.001/11/2011 3:24:52 PM
PrivateLenders$25.001/11/2011 3:24:56 PM
beeper2$30.001/11/2011 3:25:00 PM
Getwood$50.001/11/2011 3:25:20 PM
dunox$25.001/11/2011 3:25:36 PM
346 Investments
 
Borrower Payment Dependent Notes Series 490129
This series of Notes was issued and sold upon the funding of the borrower loan #46581, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $9,500.00 Prosper Rating: A Listing Duration: 14 days
Partially Funded: no Estimated loss*: 3.50% Listing Start date:  Jan-08-2011 
Term: 36 months Listing End date:  Jan-12-2011 
 
Lender yield: 9.95% Borrower rate/APR: 10.95% / 13.07% Monthly payment: $310.79
 
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: Jul-1991 Debt/Income ratio: 12%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $533Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: global1adventurer Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Re-investment in Prosper Loans
Purpose of loan:
This loan will be used to?
Investment in Propsper Loans

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

I have an excellent credit history.? The delinquency?listed I believe was from an unpaid cell phone contract from 5 years ago?that went to collections.? I simply forgot abount the contract and the contract has now been paid in full
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 afford this loan?? can you list your Income/expense? - gpuck
A: Monthly take home income: 2300 Investment income; 350 Total monthly income: 2650 Expenses: Mortgage: 1050 - (roomate 500 payment)= 550 Food: 150 Auto ins: 30 utilities: 130 transport: 50 phone/internet: 50 Total fixed costs 960 Discretionary income: (revenue 2650)-(fixed costs 960)=1690 I plan on having the cash flow from the re-investment in prosper loans within three months to cover the payments eventhouh I clearly have enough discretionary income to cover the loan payments (Jan-09-2011)
Q: You will be paying 11% for the capital. How much return you expect from prosper? Any experience in this strategy? Also since you stated you want to reinvest in Prosper, does Prosper require you to keep this loaned amount in prosper account? - Reddy_Capital
A: My investment income derives from a stock trading propietership that I founded in 2006. Because I have qualifed for the mark to market accounting method, my interest used for investment purposes can be deducted as a business expense. I have been able to develop a porfolio of notes with an average return of 19% with a 5.5% expected loss rate resulting in a 14.5 % expected return. I don't have enough space on this post to further explain my note trading strategy (Jan-09-2011)
Q: Do you plan on paying off this loan prior to the 3 years requested? - organic-treasure
A: I plan on keeping the loan as long as my investments and assets continue to yield more than 11%. If economic conditions start to reverse and i cannot return more than 11% I will probablly pay off the loan early. This strategy is actually good for investors because it would start increasing cash in a slowing economy so that investors can buy again at low prices. (Jan-11-2011)
Q: I'm interested in loaning you funds, but you provide very little detail and no assurance of how you've thought about paying the loan back to all us individuals. For me, a good story and sound explanation of how you'll pay back the loan is important. - mountainpeak
A: I am using a finance compay business model. Using my excellent credit record, I can borrow at a low rate of interest and buy a diversified portfolio of prosper notes that pay higher rates of intest than I am borrowing at. In effect, I am guranteeing repayment based on my excellent credit/discretionary income and making capital available to people with lesser levels of credit. I will take the payments that I receive and repay my loan with interest over the course of 36 months. (Jan-12-2011)
4 question & answer
Information in Questions and Answers is not verified
InvestorAmountInvestment Date (PT)
indianoven$25.001/8/2011 4:04:35 PM
6moonbeams$50.001/8/2011 4:11:02 PM
Proactive-Financial-Lending$25.001/8/2011 4:14:31 PM
credit-panda1$25.001/8/2011 4:17:26 PM
genius520$100.001/8/2011 4:17:31 PM
the-auction-lotus$25.001/8/2011 4:19:34 PM
mar97$50.001/8/2011 4:14:29 PM
ray1051$50.001/8/2011 4:28:46 PM
inspired-investment8$100.001/8/2011 4:15:31 PM
commerce-yeller$50.001/8/2011 4:14:02 PM
Ripsaw4U$50.001/8/2011 4:16:07 PM
DasMula$57.001/8/2011 4:54:45 PM
TSC$100.001/8/2011 4:14:11 PM
ianakacg$25.001/8/2011 4:16:30 PM
patriot897$50.001/8/2011 4:15:01 PM
villagers$25.001/8/2011 4:15:53 PM
superb-funds335$25.001/8/2011 4:16:43 PM
skuba$75.001/8/2011 4:16:54 PM
commerce-web5$50.001/8/2011 4:21:03 PM
red-unequivocal-finance$25.001/8/2011 4:17:47 PM
peso-colonel$50.001/8/2011 4:19:04 PM
roman2008$25.001/8/2011 4:19:42 PM
comet55$25.001/8/2011 4:20:11 PM
Bank_Of_XL$25.001/8/2011 7:58:14 PM
debt-patriot$100.001/8/2011 6:46:21 PM
economy-orchid$25.001/8/2011 8:09:38 PM
paramjit$100.491/8/2011 10:37:41 PM
amusement4$100.001/9/2011 12:21:45 AM
Binan$25.001/9/2011 6:41:33 AM
porwestco$25.001/9/2011 8:08:54 AM
aasx1108$25.001/9/2011 11:39:08 AM
SolarMoonshine$25.001/9/2011 1:44:48 PM
Goodnotlucky$50.001/9/2011 3:32:25 PM
Lubava$50.001/9/2011 3:59:55 PM
crdcteng$50.001/9/2011 5:27:39 PM
balance-force$25.001/9/2011 7:10:04 PM
fixer833$27.371/10/2011 7:02:09 AM
marketplace-meridian$25.001/9/2011 8:50:25 PM
nimcha$50.001/10/2011 9:05:26 AM
green-wampum-titan$25.001/10/2011 8:27:10 AM
mikelance7$25.001/10/2011 9:24:27 AM
honorable-yield$25.001/10/2011 9:00:21 AM
dubois31$25.001/10/2011 9:30:15 AM
seahorse2008$25.001/10/2011 9:40:19 AM
dudebrah$25.001/10/2011 9:48:18 AM
fairmaiden$25.001/10/2011 10:47:21 AM
gavinsp$25.001/10/2011 2:51:37 PM
a2190b$25.001/10/2011 6:42:07 PM
ethicalhumanist$50.001/10/2011 7:21:38 PM
blue-open-wampum$25.001/11/2011 8:22:47 AM
Socorro_Capital_Partners$25.001/11/2011 9:12:40 AM
helpishere777$50.001/11/2011 10:31:47 AM
CapitolHill$25.001/11/2011 10:24:11 AM
first-upright-payout$25.001/11/2011 11:39:34 AM
Ocean713$50.001/11/2011 11:49:07 AM
Gabriel02$25.001/11/2011 12:09:00 PM
five-star-justice$36.001/11/2011 3:14:26 PM
astute-benjamins$25.001/11/2011 3:27:53 PM
lenderrn$25.001/11/2011 5:55:33 PM
nalaari$25.001/11/2011 5:00:53 PM
munnu$25.001/11/2011 5:03:09 PM
gpuck$25.001/11/2011 7:48:37 PM
dhkny5$50.001/11/2011 8:19:32 PM
williemc44$25.001/11/2011 10:38:45 PM
paytonbrigadier$190.361/12/2011 4:29:40 AM
fireboss$50.001/11/2011 9:28:59 PM
kid_dynamite15$75.001/12/2011 12:00:15 AM
siamman$67.861/11/2011 10:36:22 PM
Voltaire$50.001/12/2011 6:19:14 AM
loyalist1$100.001/12/2011 6:35:42 AM
brother_tam$27.171/12/2011 1:39:39 AM
economy-beast$25.001/12/2011 7:18:05 AM
MARSTUN$100.001/12/2011 3:08:31 AM
peace-missile$94.401/12/2011 4:18:13 AM
ingenious-order783$25.001/12/2011 7:30:17 AM
priceless-money6$50.001/12/2011 3:23:50 AM
dawg25$100.001/12/2011 3:51:33 AM
impeccable-transparency$50.001/12/2011 5:21:32 AM
jazzlender$25.001/12/2011 6:09:31 AM
worthy-bid8$50.001/12/2011 6:11:14 AM
chameleon125$25.001/12/2011 6:48:50 AM
treasure-kazoo$50.001/12/2011 6:56:21 AM
jades2000$50.001/12/2011 7:05:50 AM
brwnidgirl$50.001/12/2011 7:20:37 AM
djalan$25.001/12/2011 8:10:10 AM
108lender$100.001/12/2011 8:44:26 AM
ospreyusmc$25.001/12/2011 8:57:36 AM
ussugm$25.001/12/2011 9:16:10 AM
John_Galt$25.001/12/2011 9:15:55 AM
Purple11$50.001/12/2011 10:19:05 AM
socal-lender$25.001/12/2011 11:03:50 AM
credit-rocket4$25.001/12/2011 11:17:37 AM
Spiv_51$25.001/12/2011 1:22:58 PM
THREE-POINTS-LENDING$50.001/12/2011 10:16:15 AM
reflective-rupee$33.331/12/2011 3:46:04 PM
credit-rocket4$25.001/12/2011 11:09:00 AM
otalon$32.061/12/2011 12:27:03 PM
thrifty-funds1$25.001/12/2011 12:46:18 PM
GBlack$25.001/12/2011 12:56:43 PM
Richmp412$25.001/12/2011 1:29:46 PM
AdamClemSC$25.001/12/2011 12:48:28 PM
kind-adventurous-finance$50.001/12/2011 1:28:44 PM
Earn_money$25.931/12/2011 3:07:00 PM
malcolmreynolds$25.001/12/2011 3:59:13 PM
hidavehi$25.011/12/2011 3:52:38 PM
Mostyle$25.001/12/2011 5:51:36 PM
larrkon$50.001/12/2011 4:39:45 PM
Big_Baller$28.891/12/2011 4:47:44 PM
mcs86d$25.001/12/2011 4:58:46 PM
Mark0135$50.001/12/2011 5:13:50 PM
best-generosity-financier$25.001/12/2011 5:25:50 PM
MoneyForNothing$15.581/12/2011 5:51:49 PM
enthralling-deal180$50.001/8/2011 4:11:16 PM
GElender$50.001/8/2011 4:13:49 PM
handshake5$100.001/8/2011 4:14:08 PM
indomitable-coin$100.001/8/2011 4:16:02 PM
radforj22$25.001/8/2011 4:13:36 PM
balance-voyager$50.001/8/2011 4:13:57 PM
causr08$25.001/8/2011 4:14:04 PM
a-responsible-return$50.001/8/2011 4:14:37 PM
adventurous-cash$25.001/8/2011 4:20:26 PM
Eastern$50.001/8/2011 4:14:48 PM
power-trophy7$25.001/8/2011 4:41:01 PM
organized-payment6$50.001/8/2011 4:14:16 PM
one-midas$25.001/8/2011 4:14:36 PM
bazaar-festivity$100.001/8/2011 4:14:56 PM
FinDoc$25.001/8/2011 4:19:13 PM
bowdish1$50.001/8/2011 4:17:08 PM
simplelender80$100.001/8/2011 4:18:47 PM
VeteranLender$25.001/8/2011 5:21:49 PM
efficient-treasure0$25.001/8/2011 7:19:05 PM
lsx7$122.001/8/2011 7:28:44 PM
inspire22$50.001/8/2011 8:38:58 PM
Leshan$150.001/9/2011 5:45:53 AM
ac787$25.001/9/2011 5:37:14 AM
rss197$25.001/9/2011 6:44:05 AM
1phantom$50.001/9/2011 9:34:16 AM
ralf206$32.161/9/2011 4:36:02 PM
gpuck$25.001/9/2011 7:06:53 PM
blue111$25.001/9/2011 7:55:59 PM
taylodo$25.001/9/2011 8:12:28 PM
thankful-nickel2$25.001/9/2011 8:26:46 PM
Artist_Blue$25.001/10/2011 6:03:56 AM
LawyerLoan$25.001/10/2011 7:32:29 AM
ingenious-order783$25.001/10/2011 9:57:34 AM
himanshuko$25.001/10/2011 11:33:04 AM
Queueball1$25.001/10/2011 10:01:56 AM
gator98$25.001/10/2011 10:15:31 AM
wampum-chorus3$27.751/10/2011 2:00:00 PM
SB94114$50.001/10/2011 9:55:31 AM
selfmademan$25.001/10/2011 12:22:16 PM
gsp1885$29.501/10/2011 4:12:42 PM
Nicedad72$25.001/10/2011 5:27:57 PM
manugee$50.001/10/2011 5:48:49 PM
first-serene-credit$25.001/11/2011 9:40:50 AM
kind-important-liberty9$25.001/11/2011 9:34:45 AM
richboy56$25.001/11/2011 11:34:03 AM
ursus$100.001/11/2011 10:18:54 AM
agalt$75.001/11/2011 11:58:56 AM
persistent-value3$78.531/11/2011 11:15:06 AM
Approved1234$50.001/11/2011 11:49:39 AM
Breadandbutter$25.001/11/2011 12:24:29 PM
tomspc$25.001/11/2011 12:04:08 PM
finance_mba$25.001/11/2011 2:18:47 PM
nuts$25.001/11/2011 5:04:55 PM
lucrative-coin$50.001/11/2011 5:42:16 PM
peace-habanero$25.001/11/2011 6:33:26 PM
Octamer$25.001/11/2011 5:49:45 PM
lostontheedge$25.001/11/2011 6:32:57 PM
MyPFBlog$25.001/11/2011 6:43:30 PM
ryreesado$25.001/11/2011 8:26:54 PM
ideal-platinum1$50.001/11/2011 10:24:02 PM
riproaringrapids$25.001/12/2011 12:18:59 AM
Sartre$30.001/11/2011 10:24:18 PM
friendly-money$100.001/11/2011 9:01:19 PM
thegreatstrafe$25.001/11/2011 9:27:56 PM
DDHMoney$25.001/11/2011 9:53:02 PM
industrious-dedication$25.001/11/2011 10:15:49 PM
arcangel72$25.001/11/2011 11:01:06 PM
zrohmm$25.001/11/2011 11:19:24 PM
mtandb$50.001/11/2011 11:23:55 PM
tenny321$25.001/12/2011 6:11:40 AM
reward-motion$50.001/12/2011 1:56:49 AM
mosby$50.001/12/2011 2:28:47 AM
museic1$50.001/12/2011 3:22:21 AM
sensible-trade$50.001/12/2011 7:05:57 AM
Rivervale_Westwood$25.001/12/2011 7:24:47 AM
manyhappydogs$50.001/12/2011 7:44:13 AM
trustedfriend$50.001/12/2011 5:37:45 AM
cardguy$25.001/12/2011 5:53:58 AM
dma1206$25.001/12/2011 9:18:32 AM
Gladys9$50.001/12/2011 6:35:57 AM
dgagli1$25.001/12/2011 7:20:49 AM
well-mannered-income3$25.001/12/2011 7:12:45 AM
atlantic51$25.001/12/2011 7:24:15 AM
generosity-giraffe0$25.001/12/2011 7:44:22 AM
a-progressive-note$25.001/12/2011 7:29:41 AM
haplender$50.001/12/2011 7:48:49 AM
dloan$25.001/12/2011 8:23:44 AM
USCGC$25.001/12/2011 8:37:09 AM
magnetic-duty$25.001/12/2011 9:00:13 AM
atwaterville$50.001/12/2011 9:44:55 AM
kulender$43.611/12/2011 9:09:22 AM
ITFDEE$25.001/12/2011 9:18:46 AM
deal-griffin$50.001/12/2011 11:18:51 AM
haidoken$50.001/12/2011 11:18:58 AM
LeReve$50.001/12/2011 11:26:52 AM
ronow22$100.001/12/2011 12:08:44 PM
thenadamgoes$50.001/12/2011 12:21:19 PM
xcap$25.001/12/2011 9:33:55 AM
principal-flow9$50.001/12/2011 10:01:41 AM
lendstats_com$200.001/12/2011 10:04:56 AM
asset-professor$25.001/12/2011 1:11:45 PM
zebra7$50.001/12/2011 11:13:27 AM
american6$100.001/12/2011 11:53:53 AM
robust-payout1$50.001/12/2011 12:39:34 PM
Robyn5722$25.001/12/2011 2:08:47 PM
Ocean713$75.001/12/2011 2:19:40 PM
Ray3486$25.001/12/2011 5:30:10 PM
reward-dynamo$25.001/12/2011 5:44:32 PM
orange-generous-ore$25.001/12/2011 5:08:41 PM
gs92126$50.001/12/2011 5:28:39 PM
platinum-rapture6$50.001/12/2011 5:43:48 PM
223 Investments
 
Borrower Payment Dependent Notes Series 490175
This series of Notes was issued and sold upon the funding of the borrower loan #46505, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Partially Funded: no Estimated loss*: 10.80% Listing Start date:  Jan-07-2011 
Term: 36 months Listing End date:  Jan-09-2011 
 
Lender yield: 28.50% Borrower rate/APR: 29.50% / 33.10% Monthly payment: $316.34
 
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: Dec-1986 Debt/Income ratio: 14%
Credit score: 680-699 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 36 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $94,009Stated income:$50,000-$74,999
Delinquencies in last 7y: 26 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: exciting-contract5 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
tax lien payoff
Purpose of loan:
This loan will be used to?
Pay off a tax lien.
My financial situation:
I am a good candidate for this loan because?
Unfortunately, I had a previous business that was forced to close in the crunch of the poor economy.? It was a Daycare Center of which I owned the buidling/land.? I operated that buisness since 2001.? When the job market collapsed,? the parents were forced to un-enroll their children due to the expense.? My daycare went from 80 children to less than 20 in twelve months.? I was forced to close.? The note on the building was for $620,000.? therefore, forcing me to file BK.
Monthly net income: $
$6200.00
Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 80
??Car expenses: $ 0
??Utilities: $ 150
??Phone, cable, internet: $60
??Food, entertainment: $ 150
??Clothing, household expenses $50
??Credit cards and other loans: $400
??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: If you filed BK why do you still have a Revolving credit balance of $94,009? - VJ_Financial
A: The 94k is from my personal bank, Earthmovers Credit union. I re-affirmed this debt because I have done business with them for over 15 years. They hold a credit card for me ($3500) and my home equity loan currently $89k. (Jan-08-2011)
Q: Is this a Federal tax lien? Why would you owe taxes if you weren't making any money in your business? - VJ_Financial
A: Yes it is a federal tax lien. My business was making money from 2001-2007. The money owed is for 2008 payroll taxes. 2008 is when business started to collapse. (Jan-08-2011)
2 question & answer
Information in Questions and Answers is not verified
InvestorAmountInvestment Date (PT)
musegaze$50.001/7/2011 5:50:32 PM
Investoman$100.001/7/2011 5:50:43 PM
simplelender80$100.001/7/2011 5:53:40 PM
Tikibarman$50.001/7/2011 5:55:39 PM
ThatDanGuy$50.001/7/2011 5:58:32 PM
bold-treasure-neutrino$30.001/7/2011 5:54:37 PM
silver-enlightenment0$100.001/7/2011 5:55:23 PM
iolaire$25.001/7/2011 5:58:37 PM
IIP77$25.001/8/2011 1:34:14 AM
JGB$100.001/8/2011 3:04:11 AM
shrewd-peace7$25.001/8/2011 3:18:53 AM
UCLA4life$25.001/7/2011 11:54:09 PM
minddoc$25.001/8/2011 1:05:42 AM
preciousjeni$25.001/8/2011 2:31:46 AM
Jonb6919$25.001/8/2011 2:49:11 AM
jml3482$25.001/8/2011 2:49:38 AM
dedicated-diversification5$94.281/8/2011 3:20:55 AM
zone6$50.001/8/2011 3:21:53 AM
parsec9$25.001/8/2011 3:24:59 AM
poeman$50.001/8/2011 8:14:27 AM
enriching-fund4$25.001/8/2011 3:56:30 AM
realtormoises$25.001/8/2011 5:37:54 AM
leverage-monger$25.001/8/2011 7:20:01 AM
p1k4blu$25.001/8/2011 7:49:43 AM
well-mannered-income3$30.001/8/2011 8:30:10 AM
AdrianWapcaplet$40.001/8/2011 1:17:01 PM
rakey$25.001/8/2011 8:28:46 AM
balance-force$25.001/8/2011 3:36:04 PM
unfixer$25.001/8/2011 3:41:01 PM
Tizzo27$43.281/8/2011 11:42:52 AM
Kqwik$25.001/8/2011 10:21:10 AM
new0rleans$25.001/8/2011 1:58:44 PM
top-historic-peso$25.001/8/2011 5:34:40 PM
onesunca$27.491/8/2011 7:19:08 PM
d3v0t3d$25.001/8/2011 8:30:11 PM
diplomatic-wealth7$25.001/8/2011 8:30:29 PM
greenback-guard$25.001/8/2011 8:31:31 PM
dollar-turtle$25.001/8/2011 6:51:36 PM
Gibbyland$41.081/8/2011 8:29:36 PM
soulful-truth$50.001/8/2011 8:30:28 PM
return-pumpkin7$25.001/8/2011 8:03:57 PM
money-vista$25.001/8/2011 8:30:13 PM
seandre3000$50.001/8/2011 8:30:27 PM
amusement4$300.001/9/2011 12:34:07 AM
fairness-atmosphere$25.001/9/2011 12:14:24 PM
simeonthewhale$25.001/9/2011 12:54:04 PM
able2help$25.001/9/2011 9:39:02 AM
NewOrleans2012$25.001/9/2011 10:58:05 AM
bold-shrewd-duty$50.001/9/2011 12:22:05 PM
golden-marketplace599$25.001/9/2011 12:57:57 PM
cbivitz$164.681/9/2011 1:15:29 PM
moola-wildebeest3$25.001/7/2011 5:51:05 PM
bazaar-festivity$100.001/7/2011 5:54:02 PM
capital-halo1$500.001/7/2011 5:54:31 PM
handshake5$100.001/7/2011 5:50:38 PM
KMSB$50.001/7/2011 5:56:17 PM
the-dollar-topper$50.001/7/2011 5:56:33 PM
scrappy-diversification7$2,000.001/7/2011 5:50:58 PM
the-auction-bear$25.001/7/2011 5:56:51 PM
bold-meteoric-justice$50.001/7/2011 5:57:08 PM
a-finance-nirvana$25.001/7/2011 5:54:07 PM
genius520$100.001/7/2011 5:57:33 PM
6moonbeams$50.001/7/2011 5:54:52 PM
a-successful-credit$100.001/7/2011 5:53:56 PM
EBITDA$25.001/7/2011 5:54:58 PM
helpful-credit156$50.001/7/2011 5:58:43 PM
Kash2010lu$25.001/7/2011 7:09:22 PM
Artist_Blue$25.001/8/2011 1:25:06 AM
zorg77$25.001/7/2011 8:30:17 PM
Ronnieboy888$50.001/7/2011 8:58:06 PM
macgeek$25.001/8/2011 2:19:11 AM
Bob450$25.001/8/2011 2:41:11 AM
Kreditorium$25.001/8/2011 2:56:27 AM
unger$100.001/8/2011 3:07:32 AM
texrob20$25.001/8/2011 2:21:43 AM
lendme2$37.981/8/2011 1:20:58 AM
kulender$50.001/8/2011 2:35:04 AM
JJ9876$25.001/8/2011 4:40:34 AM
Cheburashka$25.001/8/2011 1:34:31 AM
irrelevant$25.001/8/2011 2:51:11 AM
inspiring-reward$60.141/8/2011 3:20:42 AM
capital-dynamo0$50.001/8/2011 6:55:03 AM
RetiredATC$50.001/8/2011 4:19:04 AM
orange-preeminant-bill$46.771/8/2011 3:25:02 AM
worthy-bid8$50.001/8/2011 4:15:42 AM
lovely-benefit7$25.001/8/2011 9:23:45 AM
social-conductor4$25.001/8/2011 7:39:05 AM
well-mannered-basis1$25.001/8/2011 8:10:54 AM
emergeo$50.001/8/2011 12:18:47 PM
SkiFastBadly$40.001/8/2011 12:40:02 PM
radforj22$25.001/8/2011 2:56:18 PM
gadget7$30.001/8/2011 11:21:46 AM
aquistoyraul$25.001/8/2011 12:31:12 PM
redhead21$50.001/8/2011 12:36:47 PM
HedgeFund$50.001/8/2011 1:22:28 PM
alaskakid$27.501/8/2011 2:03:31 PM
droopie1$25.001/8/2011 2:29:11 PM
amusement4$50.001/8/2011 3:59:10 PM
jtc26$40.671/8/2011 5:12:13 PM
benefit-pro$25.001/8/2011 6:04:12 PM
DreamsDoComeTrue$50.001/9/2011 4:24:12 AM
investment-star$50.001/9/2011 5:09:16 AM
jmcdon7230$50.001/8/2011 5:28:52 PM
power-grid134$25.001/8/2011 8:19:37 PM
rss197$25.001/8/2011 8:29:48 PM
inspire22$25.001/8/2011 8:39:01 PM
fighter122$25.001/8/2011 8:30:17 PM
tech310$50.001/8/2011 8:30:30 PM
HYGCapitalPartnersLP$49.711/8/2011 9:32:11 PM
greenback-amplifier$25.001/9/2011 10:14:11 AM
wealth-multiplier$25.001/9/2011 10:34:59 AM
thelovebug$26.421/8/2011 11:31:49 PM
firewomin$50.001/9/2011 12:23:48 PM
helping-out$45.001/9/2011 12:53:49 PM
kendallv$25.001/9/2011 8:34:25 AM
SIGLLC$50.001/9/2011 8:53:36 AM
coasterman$25.001/9/2011 10:00:30 AM
life-is-great$50.001/9/2011 11:27:03 AM
118 Investments
 
Borrower Payment Dependent Notes Series 490179
This series of Notes was issued and sold upon the funding of the borrower loan #46590, 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-08-2011 
Term: 36 months Listing End date:  Jan-09-2011 
 
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): 8 First credit line: Aug-1999 Debt/Income ratio: 17%
Credit score: 640-659 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 8Length of status:7y 8m
Amount delinquent: $0 Total credit lines: 23 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,403Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: direct-payment1 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off High Interest Loans
I am requesting this loan so that i can get myself out of a cunundrum that i have worked myself into with other online loan services. I stretched myself too thin, as my salary was continually increasing. I spent too extravagently, and now i am paying for it. I also realize that my rate of salary increase will not keep up in this economy, so I need a reliable alternative to shark lenders.

I have been at the same employer for over 7 years, and have been promoted annually, rising from a staff accountant to an administrator within the Department of Pediatrics at Vanderbilt Hospital.

I need to get my credit score higher, and I would like to be able to buy a home some day. This will assist me in rebuilding my wealth by reducing the amount of interest that i am currently paying.
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)
musegaze$100.001/8/2011 4:09:02 PM
RetiredATC$50.001/8/2011 4:18:15 PM
JJ9876$25.001/8/2011 4:18:22 PM
p1k4blu$25.001/8/2011 4:18:59 PM
silver-enlightenment0$68.751/8/2011 4:15:42 PM
DasMula$25.001/8/2011 4:53:17 PM
the-dollar-topper$50.001/8/2011 4:16:26 PM
top-historic-peso$25.001/8/2011 5:34:44 PM
hektek22$600.001/8/2011 4:15:37 PM
bold-meteoric-justice$50.001/8/2011 4:17:24 PM
Peterman$25.001/8/2011 8:04:21 PM
radforj22$25.001/8/2011 4:21:15 PM
amusement4$50.001/8/2011 4:21:25 PM
bassman2$25.001/8/2011 10:13:47 PM
Bob450$25.001/8/2011 5:34:47 PM
HedgeFund$50.001/8/2011 4:20:50 PM
Sudoku$32.001/9/2011 4:15:39 AM
halothane_logic$200.001/9/2011 5:43:53 AM
commerce-yeller$25.001/8/2011 7:55:51 PM
zorg77$25.001/8/2011 6:53:46 PM
well-mannered-income3$30.001/9/2011 6:44:45 AM
proper-revenue7$25.001/9/2011 1:50:53 AM
Leshan$25.001/9/2011 5:38:35 AM
asset-equilibrium0$25.001/9/2011 5:31:22 AM
Moe87$25.001/9/2011 6:26:59 AM
carrinel$69.291/9/2011 7:23:19 AM
handshake5$100.001/8/2011 4:10:52 PM
Investoman$50.001/8/2011 4:10:56 PM
simplelender80$100.001/8/2011 4:14:44 PM
bazaar-festivity$100.001/8/2011 4:14:58 PM
bold-treasure-neutrino$30.001/8/2011 4:15:15 PM
6moonbeams$50.001/8/2011 4:15:21 PM
helpful-credit156$50.001/8/2011 4:17:55 PM
capital-dynamo0$50.001/8/2011 4:18:40 PM
capital-kingdom$50.001/8/2011 4:12:23 PM
KMSB$50.001/8/2011 4:16:14 PM
a-successful-credit$100.001/8/2011 4:14:53 PM
the-auction-bear$25.001/8/2011 4:17:05 PM
capital-halo1$500.001/8/2011 4:15:11 PM
genius520$100.001/8/2011 4:17:35 PM
EBITDA$25.001/8/2011 4:15:27 PM
Tikibarman$50.001/8/2011 4:15:49 PM
PCity-LOA15$25.001/8/2011 7:14:59 PM
poeman$50.001/8/2011 4:19:29 PM
gain-dolphin$25.001/8/2011 7:56:36 PM
ThatDanGuy$50.001/8/2011 4:17:40 PM
credit-missile$100.001/8/2011 9:55:13 PM
branaa99$25.001/8/2011 11:02:31 PM
jwsun90$25.001/8/2011 5:43:35 PM
amusement4$300.001/9/2011 12:35:05 AM
Isotope$25.001/8/2011 4:26:04 PM
investment-star$50.001/9/2011 5:09:21 AM
jmcdon7230$50.001/8/2011 5:28:55 PM
CashFlow13$100.001/9/2011 7:50:41 AM
power-grid134$25.001/8/2011 8:18:42 PM
inspire22$25.001/8/2011 8:39:04 PM
hamster$25.491/8/2011 8:47:16 PM
feb217$25.001/8/2011 10:05:50 PM
amusement4$300.001/8/2011 11:10:24 PM
scrappy-diversification7$500.001/8/2011 9:58:32 PM
draggon77$25.001/9/2011 1:04:28 AM
s270$25.001/8/2011 10:47:58 PM
tigercat$50.001/9/2011 7:42:26 AM
glroark$50.001/9/2011 7:28:18 AM
64 Investments
 
Borrower Payment Dependent Notes Series 490295
This series of Notes was issued and sold upon the funding of the borrower loan #46651, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Partially Funded: no Estimated loss*: 14.20% Listing Start date:  Jan-09-2011 
Term: 36 months Listing End date:  Jan-10-2011 
 
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): 6 First credit line: Nov-2002 Debt/Income ratio: 29%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:6y 7m
Amount delinquent: $0 Total credit lines: 22 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,986Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: No  
Screen name: first-relentless-credit9 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
consolidating my debts.
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?I am very responsible with my payments for anything I owe. I am looking for a way to get back to the peace of mind I had before I had to use credit cards to get my own place and things after a serious lifestyle change. I have paid all my bills on time every month since then but would like to get rid of multiple payments in favor of one.

Monthly net income: $1600

Monthly expenses: $
??Housing: $975
??Insurance: $0
??Car expenses: $0
??Utilities: $35
??Phone, cable, internet: $65
??Food, entertainment: $100
??Clothing, household expenses $0
??Credit cards and other loans: $450
??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$100.001/9/2011 7:39:51 PM
selector568$100.001/9/2011 7:38:59 PM
JPMorrisLegacyFund$100.001/9/2011 7:39:16 PM
musegaze$50.001/9/2011 7:39:42 PM
Investoman$100.001/9/2011 7:40:01 PM
bazaar-festivity$100.001/9/2011 7:46:15 PM
Tikibarman$50.001/9/2011 7:46:42 PM
bold-meteoric-justice$50.001/9/2011 7:47:52 PM
genius520$100.001/9/2011 7:48:04 PM
KMSB$50.001/9/2011 7:47:07 PM
VJ_Financial$50.001/9/2011 8:24:11 PM
JJ9876$25.001/9/2011 7:48:31 PM
ThatDanGuy$50.001/9/2011 7:48:14 PM
p1k4blu$25.001/9/2011 7:49:04 PM
hektek22$600.001/9/2011 11:00:12 PM
poeman$50.001/9/2011 7:49:28 PM
amusement4$100.001/9/2011 7:50:48 PM
helping-out$45.001/9/2011 7:51:33 PM
bold-shrewd-duty$50.001/9/2011 7:51:26 PM
dws2380$25.001/9/2011 8:34:50 PM
skillful-asset5$25.001/9/2011 8:49:24 PM
buffalobills$25.001/10/2011 7:24:19 AM
credit-maverick1$50.001/10/2011 8:24:28 AM
nalaari$25.001/10/2011 5:59:27 AM
DasMula$37.841/10/2011 6:22:40 AM
marketplace-buckeye$25.001/10/2011 6:59:47 AM
houli123$250.001/10/2011 8:50:24 AM
head$25.001/10/2011 8:59:40 AM
Starfin300$25.091/10/2011 8:53:05 AM
gold-cluster$100.001/10/2011 9:25:22 AM
mikelance7$25.001/10/2011 9:21:15 AM
dudebrah$25.001/10/2011 9:38:02 AM
bold-direct-asset$50.001/10/2011 9:39:57 AM
riveting-credit5$500.001/10/2011 9:43:42 AM
radforj22$25.001/10/2011 11:23:07 AM
reflective-rupee$33.331/10/2011 11:34:59 AM
impressive-openness7$25.001/10/2011 11:46:56 AM
2grindstones$25.001/10/2011 9:53:12 AM
EretzCapital$25.141/10/2011 12:37:42 PM
investment-party$29.361/10/2011 12:49:18 PM
alluring-yield5$25.001/10/2011 1:08:57 PM
nickel-hickory$100.001/10/2011 1:33:49 PM
aquistoyraul$25.001/10/2011 1:38:48 PM
FinanceEngine$25.001/10/2011 10:50:31 AM
worldpower2$25.001/10/2011 11:18:38 AM
wise-intelligent-duty$25.001/10/2011 12:23:00 PM
geophreigh$25.001/10/2011 12:54:26 PM
nickel-hickory$50.001/9/2011 7:40:22 PM
Kash2010lu$50.001/9/2011 7:39:22 PM
simplelender80$100.001/9/2011 7:46:02 PM
a-successful-credit$100.001/9/2011 7:46:09 PM
capital-halo1$500.001/9/2011 7:46:22 PM
EBITDA$25.001/9/2011 7:46:35 PM
kindness-venture1$50.001/9/2011 7:40:24 PM
inspire22$25.001/9/2011 7:50:40 PM
SFBank$300.001/9/2011 7:54:18 PM
nilonc1$50.001/9/2011 7:47:12 PM
the-auction-bear$25.001/9/2011 7:47:38 PM
scrappy-diversification7$1,500.001/9/2011 7:48:09 PM
RetiredATC$25.001/9/2011 7:48:26 PM
Bob450$25.001/9/2011 7:50:26 PM
Moe87$25.001/10/2011 3:54:35 AM
investment-star$50.001/9/2011 7:50:53 PM
kendallv$25.001/9/2011 7:51:06 PM
rss197$25.001/9/2011 7:51:54 PM
marketplace-meridian$25.001/9/2011 8:52:46 PM
YoungTaxMan$25.001/9/2011 9:10:35 PM
favorite-commerce$25.001/10/2011 7:57:35 AM
Nerdster1$25.041/10/2011 4:04:47 AM
jamiee73$25.001/10/2011 6:04:02 AM
Lubava$25.001/10/2011 6:32:02 AM
well-mannered-income3$40.001/10/2011 6:44:28 AM
lendstats_com$200.001/10/2011 9:32:48 AM
greencat$50.001/10/2011 7:33:30 AM
honorable-yield$25.001/10/2011 9:00:32 AM
taetrade$25.001/10/2011 11:30:36 AM
lively-exchange$25.001/10/2011 9:42:12 AM
rutzebach$34.171/10/2011 1:40:56 PM
msabatti$25.001/10/2011 10:38:00 AM
foothillender$25.001/10/2011 10:49:42 AM
realtormoises$25.001/10/2011 11:12:23 AM
ready-interest9$25.001/10/2011 10:28:23 AM
mpatrick$25.001/10/2011 11:06:49 AM
amusement4$200.001/10/2011 12:08:20 PM
Banker_Joe$25.001/10/2011 12:23:28 PM
FASTIZIO_P$30.031/10/2011 12:22:22 PM
loaner-dude$200.001/10/2011 12:44:43 PM
87 Investments
 
Borrower Payment Dependent Notes Series 490367
This series of Notes was issued and sold upon the funding of the borrower loan #46593, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Partially Funded: no Estimated loss*: 10.80% Listing Start date:  Jan-10-2011 
Term: 36 months Listing End date:  Jan-11-2011 
 
Lender yield: 28.50% Borrower rate/APR: 29.50% / 33.10% Monthly payment: $316.34
 
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): 5 First credit line: Aug-1995 Debt/Income ratio: 21%
Credit score: 720-739 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:4y 9m
Amount delinquent: $0 Total credit lines: 23 Occupation: Construction
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $15,695Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: Yes  
Screen name: auction-matador7 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
sports bar
Purpose of loan:
This loan will be used to?to purchase a sports bar ?

My financial?Monthly net income: $ 45833.33
Monthly expenses: $???Housing: $ 1700.00
??Insurance: $ 0
??Car expenses: $?300.00??Utilities: $ 0
??Phone, cable, internet: $60.00
??Food, entertainment:?200.00??Clothing, household expenses $
??Credit cards and other loans: $ 330.00
??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: How much is the sports bar and what is the location? - leverage-ectasy
A: The price is $ 7500.00 down. A 5 year lease w/ option to buy.Beach park IL (Jan-10-2011)
1 question & answer
Information in Questions and Answers is not verified
InvestorAmountInvestment Date (PT)
musegaze$50.001/10/2011 3:52:37 PM
handshake5$100.001/10/2011 3:52:40 PM
ThatDanGuy$50.001/10/2011 3:57:58 PM
amusement4$50.001/10/2011 3:58:18 PM
point-kitten6$50.001/10/2011 3:58:46 PM
honorable-yield$25.001/10/2011 3:59:00 PM
bazaar-festivity$100.001/10/2011 3:57:11 PM
KMSB$25.001/10/2011 3:57:28 PM
capital-halo1$500.001/10/2011 3:57:18 PM
JJ9876$25.001/10/2011 3:57:59 PM
genius520$100.001/10/2011 3:57:55 PM
kendallv$25.001/10/2011 3:58:40 PM
thankful-nickel2$25.001/10/2011 7:14:59 PM
marketplace-buckeye$25.001/10/2011 3:58:51 PM
scrappy-diversification7$1,500.001/10/2011 3:59:10 PM
greencat$50.001/10/2011 4:02:59 PM
bid-czar8$50.001/10/2011 5:03:50 PM
dedicated-diversification5$26.821/11/2011 12:51:15 AM
mighty-payout1$26.111/10/2011 7:28:48 PM
well-mannered-income3$40.001/10/2011 7:55:27 PM
AlfinityBank25$25.001/10/2011 9:55:20 PM
zorg77$25.001/10/2011 10:58:13 PM
zipemdown$50.001/11/2011 6:04:37 AM
lendme2$32.711/11/2011 12:23:21 AM
gold-channel2$25.001/11/2011 9:23:46 AM
fund-baker$25.001/11/2011 9:43:05 AM
lib5836$25.001/11/2011 8:29:35 AM
RyanM561$25.001/11/2011 7:48:03 AM
kind-important-liberty9$25.001/11/2011 9:34:35 AM
parsec9$25.001/11/2011 9:35:50 AM
a-successful-credit$100.001/11/2011 9:46:00 AM
kindness-tonic$30.001/11/2011 9:50:01 AM
enriching-capital$25.001/11/2011 11:25:24 AM
SpareChangeHero$25.001/11/2011 11:25:43 AM
hyrolln$25.001/11/2011 11:25:56 AM
burrito6$25.001/11/2011 11:26:24 AM
Rdodson11$25.001/11/2011 11:26:39 AM
ptjg$25.001/11/2011 11:26:54 AM
Gibbyland$50.001/11/2011 11:27:03 AM
seandre3000$50.001/11/2011 11:27:07 AM
ommcd$25.001/11/2011 11:27:23 AM
AMCal$50.001/11/2011 11:27:30 AM
finance-mushroom$100.001/11/2011 11:27:35 AM
tech310$50.001/11/2011 11:27:43 AM
jamiee73$25.001/11/2011 11:27:55 AM
CA-Lender$25.001/11/2011 11:29:05 AM
kindness-launcher$800.001/11/2011 10:24:15 AM
Ocean713$50.001/11/2011 11:49:23 AM
helpishere777$25.001/11/2011 10:31:52 AM
thrifty-capital$25.001/11/2011 10:33:57 AM
happy-contract8$50.001/11/2011 11:25:20 AM
deal-pinnacle7$45.001/11/2011 11:25:47 AM
commitment-symphony9$25.001/11/2011 11:25:46 AM
shrewd-peace7$25.001/11/2011 11:25:52 AM
CaptainCrunch$25.001/11/2011 11:26:04 AM
ingenious-diversification$25.001/11/2011 11:26:16 AM
principal-trombone$50.001/11/2011 11:26:21 AM
credit-sycamore4$100.001/11/2011 11:26:30 AM
NorthernFunds$50.001/11/2011 11:26:28 AM
worthy-bid8$34.341/11/2011 11:26:35 AM
bonafide-economy$50.001/11/2011 11:26:41 AM
hopeful-truth5$100.001/11/2011 11:26:38 AM
yield-lion$25.001/11/2011 11:26:57 AM
ASR3$50.001/11/2011 11:26:46 AM
wise-silver-wonder$25.001/11/2011 11:26:54 AM
benevolent-bonus$25.001/11/2011 11:27:27 AM
d3v0t3d$25.001/11/2011 11:27:05 AM
MilitaryLending$25.001/11/2011 11:27:51 AM
brainy-repayment5$25.001/11/2011 11:27:25 AM
FeedTheMachine$50.001/11/2011 11:29:01 AM
calkidd05$25.001/11/2011 11:27:29 AM
diplomatic-wealth7$25.001/11/2011 11:27:42 AM
traice$25.001/11/2011 11:28:01 AM
Investoman$100.001/10/2011 3:52:43 PM
p1k4blu$25.001/10/2011 3:58:10 PM
inspire22$25.001/10/2011 3:58:23 PM
rss197$25.001/10/2011 3:58:35 PM
simplelender80$100.001/10/2011 3:57:04 PM
the-auction-bear$25.001/10/2011 3:57:40 PM
EBITDA$25.001/10/2011 3:57:21 PM
investment-star$50.001/10/2011 3:58:27 PM
radforj22$25.001/10/2011 3:59:24 PM
Bob450$25.001/11/2011 12:41:43 AM
87Marc$25.001/11/2011 8:13:44 AM
texrob20$25.001/11/2011 12:40:36 AM
investment-visionary$25.001/11/2011 12:49:54 AM
jono9999$100.901/11/2011 3:26:45 AM
top-historic-peso$25.001/11/2011 9:45:53 AM
Artist_Blue$25.001/11/2011 6:03:49 AM
Leshan$25.001/11/2011 9:00:38 AM
silver-enlightenment0$86.251/11/2011 9:46:10 AM
Tikibarman$31.591/11/2011 9:45:52 AM
spark548$25.001/11/2011 11:25:28 AM
PaulW$25.001/11/2011 11:25:39 AM
bid-carrier0$25.001/11/2011 11:25:57 AM
helping-out$30.001/11/2011 11:26:19 AM
gold-commander0$50.001/11/2011 11:26:47 AM
soulful-truth$50.001/11/2011 11:27:09 AM
green-thoughtful-yield$100.001/11/2011 11:27:19 AM
Hokie83$50.001/11/2011 11:27:25 AM
newest-generous-income$25.001/11/2011 11:27:32 AM
power-trophy7$50.001/11/2011 11:27:37 AM
nodebt2012$25.001/11/2011 10:11:17 AM
social-conductor4$25.001/11/2011 11:25:33 AM
RochelleW$25.001/11/2011 11:25:26 AM
wdjnm$50.001/11/2011 11:25:42 AM
jasonj72$25.001/11/2011 11:25:50 AM
Ducatiman1978$25.001/11/2011 11:26:18 AM
nrowland$50.001/11/2011 11:26:20 AM
Bio-physicist$25.001/11/2011 11:26:26 AM
F16Pilot$25.001/11/2011 11:26:25 AM
Turtlebear44$50.001/11/2011 11:26:31 AM
washboard1$25.001/11/2011 11:26:36 AM
navstox$25.001/11/2011 11:26:44 AM
108lender$100.001/11/2011 11:27:21 AM
graceful-investment$82.571/11/2011 11:26:58 AM
coin-bee1$50.001/11/2011 11:27:33 AM
newest-inspiring-power$25.001/11/2011 11:27:28 AM
fortytwo$50.001/11/2011 11:27:40 AM
MoneyForNothing$8.711/11/2011 11:49:34 AM
120 Investments
 
Borrower Payment Dependent Notes Series 490389
This series of Notes was issued and sold upon the funding of the borrower loan #46520, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: E Listing Duration: 14 days
Partially Funded: no Estimated loss*: 14.20% Listing Start date:  Jan-12-2011 
Term: 36 months Listing End date:  Jan-13-2011 
 
Lender yield: 31.20% Borrower rate/APR: 32.20% / 35.86% Monthly payment: $218.33
 
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: Oct-1982 Debt/Income ratio: 18%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 6 Current / open credit lines: 2 / 2Length of status:32y 11m
Amount delinquent: $18,067 Total credit lines: 22 Occupation: Postal Service
Public records last 12m / 10y: 1/ 2 Revolving credit balance: $1,718Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: rajincajin Borrower's state: Texas Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off doctor bills
Purpose of loan:
This loan will be used to?pay off bills?

My financial situation:
I am a good candidate for this loan because? i have a steady job and really hate owing people

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 200
??Car expenses: $ 400
??Utilities: $?100
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??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)
Investoman$100.001/12/2011 9:25:36 AM
amusement4$100.001/12/2011 9:26:51 AM
genius520$100.001/12/2011 9:28:24 AM
honorable-yield$25.001/12/2011 9:29:37 AM
zipemdown$50.001/12/2011 9:30:05 AM
Ocean713$50.001/12/2011 9:30:18 AM
Bob450$25.001/12/2011 9:31:23 AM
musegaze$50.001/12/2011 9:25:23 AM
droopie1$25.001/12/2011 10:25:46 AM
bonus-chosen-one$25.001/12/2011 10:28:34 AM
JJ9876$25.001/12/2011 9:28:36 AM
payment-gusto$25.001/12/2011 9:30:36 AM
kendallv$25.001/12/2011 9:31:51 AM
kind-efficient-credit$25.001/12/2011 9:32:02 AM
goodhearted-basis4$25.001/12/2011 9:30:57 AM
worthy-bid8$50.001/12/2011 9:31:48 AM
contract-giant$25.001/12/2011 9:31:55 AM
credit-rocket4$25.001/12/2011 10:53:23 AM
LBOregon$25.001/12/2011 10:43:58 AM
credit-sycamore4$100.001/12/2011 12:46:31 PM
engaging-leverage823$50.001/12/2011 12:07:07 PM
kind-adventurous-finance$50.001/12/2011 1:28:56 PM
UCLA4life$25.001/12/2011 3:19:01 PM
justasoldier$30.001/12/2011 4:29:53 PM
Magog12$25.001/12/2011 6:04:37 PM
fareast_man$25.001/12/2011 11:57:16 PM
gs92126$25.001/12/2011 5:28:51 PM
aquistoyraul$25.001/12/2011 6:40:04 PM
progressive-1$144.001/12/2011 7:06:42 PM
red-favorable-basis$25.001/12/2011 6:56:31 PM
What-goes-around-comes-around$50.001/13/2011 4:49:51 AM
ah-long$25.001/13/2011 12:10:12 AM
HamletTower$25.001/13/2011 12:34:57 AM
fortytwo$50.001/13/2011 3:29:45 AM
FG9YTR$50.001/13/2011 7:45:18 AM
integrity-creature4$25.001/13/2011 9:37:07 AM
Military_Support$100.001/13/2011 5:53:38 AM
dcap3$25.001/13/2011 5:51:09 AM
integrity-liberator$50.001/13/2011 6:16:24 AM
uncleegg$50.001/13/2011 7:54:37 AM
shomikaci$25.001/13/2011 9:03:21 AM
missing-link$25.001/13/2011 11:05:02 AM
robocop$50.001/12/2011 9:36:41 AM
handshake5$100.001/12/2011 9:25:32 AM
pembull$50.001/12/2011 9:26:29 AM
the-auction-bear$25.001/12/2011 9:25:59 AM
EBITDA$25.001/12/2011 9:27:56 AM
Speculator$50.001/12/2011 10:31:18 AM
ThatDanGuy$50.001/12/2011 9:28:30 AM
simplelender80$100.001/12/2011 9:27:36 AM
capital-halo1$500.001/12/2011 9:27:46 AM
rss197$25.001/12/2011 9:29:15 AM
AspiringJunzi$25.001/12/2011 9:30:44 AM
amusement4$200.001/12/2011 11:39:20 AM
porkhelmet$25.001/12/2011 9:31:02 AM
bid-czar8$50.001/12/2011 9:29:52 AM
Aunca$50.001/12/2011 9:30:28 AM
mrxtravis$50.001/12/2011 9:30:41 AM
first-upright-payout$25.001/12/2011 9:32:12 AM
Banker7371$25.001/12/2011 12:23:52 PM
minddoc$25.001/12/2011 9:31:34 AM
intuitive-camaraderi9$25.001/12/2011 9:32:43 AM
Rogesparkguy$25.001/12/2011 3:29:40 PM
Banker_Joe$50.001/12/2011 10:53:52 AM
consummate-loyalty1$50.001/12/2011 10:58:49 AM
interest-coyote$50.001/12/2011 1:58:29 PM
competent-p2p$30.001/12/2011 2:09:11 PM
well-mannered-income3$25.001/12/2011 2:54:11 PM
ozzie$25.001/12/2011 4:18:17 PM
gulch$50.001/12/2011 6:28:54 PM
jescowa$50.001/12/2011 7:49:09 PM
cunning-bill$25.001/12/2011 5:08:03 PM
goodhearted-basis4$25.001/13/2011 12:31:30 AM
be_wise$25.001/12/2011 6:29:15 PM
EngineerUSMC$30.001/12/2011 7:09:45 PM
generator535$25.001/12/2011 7:31:40 PM
velocity-solo$25.001/13/2011 5:37:47 AM
vigorous-velocity$50.001/13/2011 6:29:37 AM
ThisGuyIKnow$25.001/13/2011 6:41:46 AM
ingenious-truth0$50.001/13/2011 7:14:27 AM
kulender$28.281/13/2011 3:54:33 AM
truth-ceremony$25.001/13/2011 9:36:54 AM
lawstudent1$25.001/13/2011 6:08:12 AM
PatRichi$25.001/13/2011 7:37:39 AM
tender-transaction$50.001/13/2011 7:36:18 AM
frogperson$200.001/13/2011 10:11:02 AM
ElAbel11$25.001/13/2011 9:18:54 AM
rate-negotiator$25.001/13/2011 9:27:54 AM
life-is-great$50.001/13/2011 10:59:40 AM
courteous-kindness1$39.561/13/2011 11:05:03 AM
scrappy-diversification7$1,500.001/13/2011 11:05:20 AM
91 Investments
 
Borrower Payment Dependent Notes Series 490589
This series of Notes was issued and sold upon the funding of the borrower loan #46517, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Partially Funded: no Estimated loss*: 10.80% Listing Start date:  Jan-12-2011 
Term: 36 months Listing End date:  Jan-13-2011 
 
Lender yield: 28.50% Borrower rate/APR: 29.50% / 33.10% Monthly payment: $316.34
 
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): 8 First credit line: Jul-1999 Debt/Income ratio: 34%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 43 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,693Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: gain-shaker Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
water leaking
Purpose of loan:
This loan will be used to?fix some damage caused by water. also have some other projects around that house that need attention.

My financial situation:
I am a good candidate for this loan because?I am able to make the monthly payments. my wife is also full-time so payments are not an issue for us. It's coming up with the lump sum.

Monthly net income: $ 6200 (including wife's income)

Monthly expenses: $
??Housing: $ 2200
??Insurance: $ 123
??Car expenses: $ 0 both cars are paid in full
??Utilities: $ 150
??Phone, cable, internet: $ 300
??Food, entertainment: $ 600
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 600
??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
This borrower has not publicly answered any questions from lenders.
InvestorAmountInvestment Date (PT)
Kash2010lu$50.001/12/2011 3:55:05 PM
Investoman$100.001/12/2011 3:55:24 PM
amusement4$100.001/12/2011 3:55:57 PM
point-kitten6$50.001/12/2011 3:57:04 PM
Abstract$48.971/12/2011 3:53:26 PM
EBITDA$25.001/12/2011 3:56:15 PM
genius520$100.001/12/2011 3:56:23 PM
kmprospeo$50.001/12/2011 6:53:43 PM
gelt4u$25.001/12/2011 7:05:11 PM
Aunca$50.001/12/2011 3:57:34 PM
minddoc$25.001/12/2011 3:57:52 PM
thankful-nickel2$25.001/12/2011 7:18:30 PM
kind-efficient-credit$25.001/12/2011 3:58:14 PM
foothillender$25.001/12/2011 7:43:56 PM
ozzie$25.001/12/2011 4:17:41 PM
JustMee$25.001/12/2011 5:38:09 PM
DasMula$57.001/12/2011 5:46:44 PM
reflective-rupee$33.331/12/2011 6:07:44 PM
acfreema$25.001/12/2011 11:46:05 PM
fareast_man$25.001/12/2011 11:57:23 PM
ElAbel11$25.001/13/2011 9:18:57 AM
justinology$25.001/13/2011 9:47:46 AM
fund-secret-agent$25.001/13/2011 5:28:01 AM
dcap3$25.001/13/2011 5:51:12 AM
mickeyroi$25.001/13/2011 6:08:53 AM
joee$25.001/13/2011 6:02:21 AM
vigorous-velocity$50.001/13/2011 6:29:42 AM
Artist_Blue$25.001/13/2011 6:04:20 AM
hellasow$30.001/13/2011 6:18:06 AM
glroark$50.001/13/2011 6:37:53 AM
PatRichi$25.001/13/2011 7:37:43 AM
ingenious-truth0$50.001/13/2011 7:14:30 AM
uncleegg$50.001/13/2011 7:54:45 AM
first-serene-credit$25.001/13/2011 7:56:04 AM
money-baron$69.271/13/2011 8:31:56 AM
minnesotafinancial$25.001/13/2011 7:42:32 AM
racer36$94.061/13/2011 7:59:46 AM
vutah$25.001/13/2011 11:02:08 AM
frogperson$250.001/13/2011 10:11:16 AM
mckhbnpc$30.001/13/2011 11:43:43 AM
bonafide-economy$50.001/13/2011 12:29:24 PM
social-heart$50.001/13/2011 12:29:56 PM
restless-dime$30.891/13/2011 10:24:42 AM
benefit-boots$25.001/13/2011 11:14:14 AM
Astyanax$40.431/13/2011 11:44:51 AM
CC911$25.001/13/2011 12:29:54 PM
AlfinityBank25$14.821/13/2011 12:34:02 PM
umwol13$25.001/13/2011 11:16:32 AM
soulful-truth$50.001/13/2011 12:29:27 PM
CA-Lender$25.001/13/2011 12:29:50 PM
missing-link$25.001/13/2011 12:29:57 PM
handshake5$100.001/12/2011 3:55:17 PM
nilonc1$50.001/12/2011 3:55:26 PM
zipemdown$50.001/12/2011 3:57:23 PM
first-upright-payout$25.001/12/2011 3:58:24 PM
Speculator$50.001/12/2011 3:58:49 PM
vine99$40.001/12/2011 3:50:17 PM
Mr-Miracle$25.001/12/2011 5:04:39 PM
musegaze$100.001/12/2011 3:51:13 PM
the-auction-bear$25.001/12/2011 3:55:34 PM
balance-handshake7$50.001/12/2011 6:08:46 PM
bazaar-festivity$100.001/12/2011 3:55:45 PM
gold-cooker$250.001/12/2011 6:14:45 PM
simplelender80$100.001/12/2011 3:56:05 PM
capital-halo1$500.001/12/2011 3:56:12 PM
ThatDanGuy$50.001/12/2011 3:56:33 PM
inspire22$25.001/12/2011 3:56:52 PM
honorable-yield$25.001/12/2011 3:57:11 PM
red-favorable-basis$25.001/12/2011 6:59:11 PM
bid-czar8$50.001/12/2011 3:57:16 PM
greencat$50.001/12/2011 3:57:33 PM
worthy-bid8$50.001/12/2011 3:58:04 PM
loyalist1$50.001/12/2011 3:58:16 PM
intuitive-camaraderi9$25.001/12/2011 3:58:34 PM
2grindstones$25.001/12/2011 4:06:15 PM
credit-sycamore4$100.001/12/2011 3:59:07 PM
cunning-bill$37.831/12/2011 5:13:27 PM
well-mannered-income3$40.001/12/2011 5:20:10 PM
loaner-dude$100.001/12/2011 5:48:13 PM
gulch$50.001/12/2011 6:28:48 PM
thorough-yield1$50.001/12/2011 6:56:59 PM
dedicated-diversification5$27.401/13/2011 4:10:18 AM
loanman2007$25.001/13/2011 5:25:08 AM
hektek22$600.001/12/2011 8:36:07 PM
velocity-solo$25.001/13/2011 5:37:55 AM
ah-long$25.001/13/2011 12:10:26 AM
ThisGuyIKnow$25.001/13/2011 6:41:41 AM
UCLA4life$25.001/13/2011 2:08:15 AM
PCity-LOA15$25.001/13/2011 7:05:24 AM
israel15$25.001/13/2011 2:39:26 AM
favorite-commerce$50.001/13/2011 7:35:09 AM
blue-useful-auction$25.001/13/2011 8:15:41 AM
Leshan$25.001/13/2011 8:18:19 AM
rhightower003$25.001/13/2011 4:06:50 AM
zorg77$25.001/13/2011 4:27:06 AM
integrity-liberator$50.001/13/2011 6:16:21 AM
sturdy-peace9$50.001/13/2011 7:40:43 AM
gshx2$25.001/13/2011 7:48:08 AM
toomanyfishtanks$25.001/13/2011 7:35:15 AM
natural-trade7$63.031/13/2011 8:36:02 AM
RyanM561$25.001/13/2011 7:46:11 AM
loboman$53.671/13/2011 7:48:22 AM
houli123$734.301/13/2011 8:15:51 AM
Thylow$25.001/13/2011 9:37:57 AM
lendstats_com$200.001/13/2011 9:28:36 AM
truth-ceremony$25.001/13/2011 9:37:00 AM
samdog079$100.001/13/2011 10:27:25 AM
Tono$30.001/13/2011 11:48:25 AM
Christophe$50.001/13/2011 12:02:07 PM
Bob450$25.001/13/2011 12:08:59 PM
life-is-great$50.001/13/2011 12:25:51 PM
Turtlebear44$50.001/13/2011 12:29:23 PM
ommcd$25.001/13/2011 12:29:49 PM
sdcc72$25.001/13/2011 11:08:20 AM
moola-monger9$50.001/13/2011 11:59:22 AM
economy-lotus$50.001/13/2011 12:27:53 PM
fortytwo$50.001/13/2011 12:29:37 PM
brazilofmux$100.001/13/2011 12:31:53 PM
realtormoises$25.001/13/2011 12:32:24 PM
NYLG$25.001/13/2011 11:54:29 AM
a-successful-credit$100.001/13/2011 12:29:25 PM
diplomatic-wealth7$25.001/13/2011 12:29:28 PM
payment-gusto$25.001/13/2011 12:29:53 PM
FeedTheMachine$50.001/13/2011 12:31:50 PM
124 Investments
 
Borrower Payment Dependent Notes Series 490619
This series of Notes was issued and sold upon the funding of the borrower loan #46514, 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*: 1.55% Listing Start date:  Jan-13-2011 
Term: 36 months Listing End date:  Jan-13-2011 
 
Lender yield: 7.00% Borrower rate/APR: 8.00% / 8.34% Monthly payment: $313.36
 
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: Jul-1996 Debt/Income ratio: 7%
Credit score: 840-859 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,931Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: Yes  
Screen name: mslend 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
Buying Property
Purpose of loan:
I am pursuing this loan to purchase a?property to fix up and rent for the short term and then as the market improves sell the property.

My financial situation:
I have a very strong financial base.? I have paid my bills on time, never been late on a payment and have fiscally conservative practices.? I did recently start a new job to expand and sharpen my existing skills.
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
Q: You have a strong profile. Since you are a home owner why not borrow against the home or get a HELOC at a lower rate? Please let me know why borrowing from prosper is a better option for you. - a-balance-surgeon
A: While I have equity in my home, I also live in South Florida. Given the recent real estate decline the financial institutions that I have contacted have frozen their HELOC programs even to those with excellent credit. On the flip side, the real estate decline has also created opportunities, hence why I am trying the Prosper funding option. (Jan-13-2011)
1 question & answer
Information in Questions and Answers is not verified
InvestorAmountInvestment Date (PT)
Bosslady123q$25.001/13/2011 9:58:51 AM
indomitable-coin$100.001/13/2011 10:00:17 AM
interest-exec9$25.001/13/2011 10:01:18 AM
blue-note-relaxation$50.001/13/2011 10:06:33 AM
NMGbank$25.001/13/2011 10:07:41 AM
compoundinterest$50.001/13/2011 10:07:56 AM
TSC$100.001/13/2011 10:08:33 AM
important-ore$27.511/13/2011 10:08:41 AM
AF-Chief$50.001/13/2011 10:08:58 AM
outtahoth2o$50.001/13/2011 10:09:04 AM
community-pipeline$25.001/13/2011 10:09:46 AM
PK_USMC$25.001/13/2011 10:09:52 AM
Centaur$50.001/13/2011 10:10:14 AM
casaram$25.001/13/2011 10:10:30 AM
DukSerduk$25.001/13/2011 10:10:37 AM
cebgop$25.001/13/2011 10:10:43 AM
power-trophy7$50.001/13/2011 10:10:44 AM
Emgolda$25.001/13/2011 10:10:50 AM
bruin558$60.001/13/2011 10:11:01 AM
JohnW12$50.001/13/2011 10:11:08 AM
HunterSix$25.001/13/2011 10:11:12 AM
munnu$25.001/13/2011 10:11:32 AM
nv$25.001/13/2011 10:11:58 AM
scottburger$50.001/13/2011 10:12:13 AM
tenacious-payout$50.001/13/2011 10:12:15 AM
Taxman44$25.001/13/2011 10:14:30 AM
jcttjg$40.001/13/2011 10:14:37 AM
best-deal-banker$50.001/13/2011 9:59:30 AM
blot44$25.001/13/2011 10:00:19 AM
xphile$25.001/13/2011 10:00:59 AM
syounker$25.001/13/2011 10:01:19 AM
organized-payment6$50.001/13/2011 10:01:22 AM
cashhelp$60.001/13/2011 10:01:59 AM
GoingFishing$25.001/13/2011 10:17:21 AM
TomDalonajay$25.001/13/2011 9:59:13 AM
speyer$29.891/13/2011 10:18:50 AM
Havana21$127.221/13/2011 10:00:24 AM
mathprof$25.001/13/2011 10:01:15 AM
winlender$25.001/13/2011 10:06:14 AM
catterpillar$50.001/13/2011 10:06:54 AM
MarinLoans$25.001/13/2011 10:07:30 AM
kenji4861$50.001/13/2011 10:07:54 AM
eloquent-dime416$50.001/13/2011 10:07:58 AM
BankingFamily$50.001/13/2011 10:08:38 AM
gauss02$50.001/13/2011 10:08:54 AM
AFairDeal$75.001/13/2011 10:09:00 AM
understanding-payout2$50.001/13/2011 10:09:17 AM
rcj1411$50.001/13/2011 10:45:55 AM
meenan$100.001/13/2011 10:09:49 AM
webclimber$50.001/13/2011 10:09:59 AM
goldfinger3$100.001/13/2011 10:10:22 AM
Goodthing$100.001/13/2011 10:10:35 AM
minista$25.001/13/2011 10:10:45 AM
tekkie2412$50.001/13/2011 10:10:51 AM
encore06$25.001/13/2011 10:11:15 AM
listing-meridian$50.001/13/2011 10:11:20 AM
respectablename$50.001/13/2011 10:11:36 AM
diversification-empire$50.001/13/2011 10:11:49 AM
donmacprosper$25.001/13/2011 10:12:06 AM
ham-mer$50.001/13/2011 10:12:19 AM
socal-lender$25.001/13/2011 10:05:56 AM
revenue-officer36$36.421/13/2011 10:06:57 AM
secret-santa$25.001/13/2011 10:07:07 AM
p2p-harmony$50.001/13/2011 10:14:32 AM
kind-important-liberty9$50.001/13/2011 10:07:50 AM
flexible-value$50.001/13/2011 10:08:02 AM
corndog4000$50.001/13/2011 10:08:09 AM
astute-investment5$25.001/13/2011 10:08:29 AM
AmericanCredit$25.001/13/2011 10:08:44 AM
SFGuy$25.001/13/2011 10:15:58 AM
smallbizrule$25.001/13/2011 10:08:48 AM
undaunted-kindness$100.001/13/2011 10:08:59 AM
bowdish1$100.001/13/2011 10:09:09 AM
justalender$25.001/13/2011 10:09:44 AM
E_G$50.001/13/2011 10:09:56 AM
honorable-yield$40.001/13/2011 10:10:09 AM
HamletTower$25.001/13/2011 10:17:18 AM
flypenguin$50.001/13/2011 10:10:11 AM
stensonb$25.001/13/2011 10:17:29 AM
ManyBlessings$50.001/13/2011 10:10:17 AM
CBO-Enterprise$100.001/13/2011 10:10:31 AM
NycDean$25.001/13/2011 10:10:57 AM
unequaled-deal3$25.001/13/2011 10:11:39 AM
red-unequivocal-finance$25.001/13/2011 10:11:55 AM
Rivervale_Westwood$25.001/13/2011 10:12:12 AM
nikkogreek$50.001/13/2011 10:12:17 AM
transparency-giant$50.001/13/2011 10:18:49 AM
fund-tom-tom6$100.001/13/2011 10:24:06 AM
RandyL3$25.001/13/2011 10:24:46 AM
authoritative-truth$50.001/13/2011 10:14:18 AM
dblakels$25.001/13/2011 10:59:00 AM
be_wise$25.001/13/2011 10:14:58 AM
Yaj$50.001/13/2011 10:16:15 AM
elvisloans$25.001/13/2011 11:10:35 AM
jdashv$50.001/13/2011 10:16:51 AM
one-midas$100.001/13/2011 2:23:13 PM
zone6$50.001/13/2011 10:17:28 AM
velocity-solo$25.001/13/2011 10:17:34 AM
nobuffett43$50.001/13/2011 10:18:15 AM
Jerry44$25.001/13/2011 2:35:32 PM
dma1206$25.001/13/2011 10:24:58 AM
Jamesusc03$50.001/13/2011 10:25:21 AM
usd1027$25.001/13/2011 3:10:22 PM
msh345$25.001/13/2011 3:17:03 PM
thankful-nickel2$25.001/13/2011 3:33:02 PM
goldsun$25.001/13/2011 1:50:09 PM
Jofga$25.001/13/2011 1:56:56 PM
himanshuko$50.001/13/2011 2:05:54 PM
GenerousGentleMan$75.001/13/2011 3:09:18 PM
orbital-gain$50.001/13/2011 1:40:38 PM
seahorse2008$25.001/13/2011 2:08:29 PM
THEHORN$28.881/13/2011 3:29:28 PM
BigSurf$30.001/13/2011 3:32:09 PM
wise-deal-panda$50.001/13/2011 3:32:56 PM
Moneypenny6$25.001/13/2011 3:02:02 PM
octoberfresh$30.001/13/2011 3:02:29 PM
felicity-loyalist0$25.001/13/2011 3:12:31 PM
julijask$25.001/13/2011 4:01:22 PM
kwan$25.001/13/2011 4:31:54 PM
alpinaut$25.001/13/2011 9:59:02 AM
Curly-Girly$25.001/13/2011 9:59:16 AM
adventurous-cash$25.001/13/2011 9:59:22 AM
rosie777$30.001/13/2011 10:00:21 AM
credit-investor5$25.001/13/2011 10:01:16 AM
ray1051$29.291/13/2011 10:01:30 AM
vigilance-revolutionary$50.001/13/2011 10:08:13 AM
inspired-investment8$100.001/13/2011 10:08:55 AM
responsibility-cherry6$50.001/13/2011 10:09:02 AM
rose88$50.001/13/2011 10:09:19 AM
DavenportCapital$25.001/13/2011 10:09:32 AM
balanced-rupee$50.001/13/2011 10:09:50 AM
robertmm25$50.001/13/2011 10:10:06 AM
Daneistes$50.001/13/2011 10:10:28 AM
skuba$50.001/13/2011 10:10:33 AM
tech310$50.001/13/2011 10:10:47 AM
GElender$50.001/13/2011 10:10:53 AM
matalt5$50.001/13/2011 10:11:24 AM
LendGuy$50.001/13/2011 10:12:04 AM
cognizant-rate732$25.001/13/2011 10:12:14 AM
B1-Lancer$50.001/13/2011 10:12:22 AM
HHP$25.001/13/2011 10:14:08 AM
Castellan$50.001/13/2011 10:14:25 AM
orange-generous-ore$25.001/13/2011 10:14:34 AM
Zach842$25.001/13/2011 10:14:39 AM
vutah$50.001/13/2011 9:59:47 AM
generator535$25.001/13/2011 10:15:29 AM
helpishere777$25.001/13/2011 10:00:55 AM
a-responsible-return$50.001/13/2011 10:01:27 AM
ogmanny$50.001/13/2011 10:17:10 AM
p2p-paradise$31.801/13/2011 9:58:56 AM
Krozy$50.001/13/2011 9:59:09 AM
FlexFunding$50.001/13/2011 9:59:20 AM
balance-voyager$50.001/13/2011 10:00:11 AM
Tahoeguy$50.001/13/2011 10:00:23 AM
kyomoon$50.001/13/2011 10:00:25 AM
selector568$400.001/13/2011 10:00:33 AM
CPA-Banker$25.001/13/2011 10:19:16 AM
beaker$25.001/13/2011 10:19:43 AM
patriot897$50.001/13/2011 10:01:14 AM
shamrocker$25.001/13/2011 10:01:25 AM
principal-trident$50.001/13/2011 10:20:06 AM
mscomeaux$25.001/13/2011 10:06:52 AM
afotherg$25.971/13/2011 10:07:03 AM
CPA-Banker$25.001/13/2011 10:32:42 AM
yukongin$25.001/13/2011 10:08:57 AM
Dreamconnection$50.001/13/2011 10:09:13 AM
improvman$25.001/13/2011 10:39:55 AM
reinforced-reward$25.001/13/2011 10:09:22 AM
radforj22$38.031/13/2011 10:09:38 AM
Pickmar$25.001/13/2011 10:09:54 AM
Phantom99$100.001/13/2011 10:10:20 AM
hawaiiangirl76$25.001/13/2011 10:10:26 AM
thedoctor$50.001/13/2011 10:10:32 AM
slartibardfast$25.001/13/2011 10:10:48 AM
meux99$25.001/13/2011 10:10:52 AM
virtualbank$50.001/13/2011 10:11:28 AM
trustedfriend$50.001/13/2011 10:11:52 AM
reflective-rupee$33.331/13/2011 10:12:35 AM
daddypro$25.001/13/2011 11:34:42 AM
kmwvma$25.001/13/2011 10:07:04 AM
life-is-great$50.001/13/2011 10:07:21 AM
Marathoner$25.001/13/2011 10:07:33 AM
conaty$44.031/13/2011 10:07:52 AM
swiftsoul$25.001/13/2011 10:08:00 AM
bds9646$26.001/13/2011 10:08:07 AM
WLenders$50.001/13/2011 10:08:16 AM
tomxnsn$25.001/13/2011 10:16:03 AM
innocent-income4$25.001/13/2011 10:08:56 AM
degster$25.001/13/2011 10:09:05 AM
molam4u$50.001/13/2011 10:09:42 AM
JJ9876$50.001/13/2011 10:09:47 AM
rss197$25.001/13/2011 10:09:58 AM
nimble-money0$50.001/13/2011 10:10:16 AM
building_community$25.001/13/2011 10:10:25 AM
justice-dna$35.001/13/2011 10:10:40 AM
reinforced-marketplace3$161.661/13/2011 10:10:54 AM
orange-resolute-platinum$25.001/13/2011 10:11:03 AM
paintedposies$50.001/13/2011 10:11:46 AM
cardguy$50.001/13/2011 10:11:53 AM
TIGERTRUST$50.001/13/2011 10:12:02 AM
leader91$25.001/13/2011 10:12:16 AM
trevandtal$50.001/13/2011 10:12:20 AM
georgedorn$25.001/13/2011 1:04:16 PM
Keebs$25.001/13/2011 10:19:13 AM
DasMula$37.441/13/2011 10:19:58 AM
gain-mountain1$25.001/13/2011 10:48:17 AM
unforgettable-order9$50.001/13/2011 10:14:17 AM
fenpark15$25.001/13/2011 1:55:41 PM
axl163$25.001/13/2011 10:16:17 AM
bewitching-asset3$25.001/13/2011 2:34:09 PM
roman1998$50.001/13/2011 10:19:11 AM
tolstoy00$25.001/13/2011 11:54:24 AM
coin-caballero8$25.001/13/2011 12:01:59 PM
super100$50.001/13/2011 10:19:59 AM
wwwUniversal$25.001/13/2011 10:24:53 AM
Stafo$50.001/13/2011 3:10:10 PM
Mr-Miracle$25.001/13/2011 10:40:20 AM
Ardy123$25.001/13/2011 10:54:13 AM
ideal-penny8$25.001/13/2011 10:59:23 AM
responsibilityenstein3$35.001/13/2011 3:19:42 PM
Artist_Blue$25.001/13/2011 12:29:48 PM
fund-tom-tom6$25.001/13/2011 11:23:38 AM
restless-balance9$50.001/13/2011 1:24:46 PM
FundMaker$25.001/13/2011 12:01:54 PM
wirebutterfly$35.001/13/2011 12:46:40 PM
Zipperdu$50.001/13/2011 1:17:16 PM
inforapenny$50.001/13/2011 3:08:52 PM
loot-squirrel6$25.001/13/2011 3:12:41 PM
cash-queen$25.001/13/2011 1:37:13 PM
unassailable-dollar$50.001/13/2011 2:49:12 PM
unassailable-dollar$25.001/13/2011 2:54:40 PM
bold-treasure-neutrino$30.001/13/2011 3:42:44 PM
TpbiCapitals$31.231/13/2011 3:02:41 PM
rutzebach$30.631/13/2011 3:11:44 PM
kulender$50.001/13/2011 3:19:44 PM
NYBIZ$55.671/13/2011 4:38:56 PM
sparkymark$30.001/13/2011 4:28:31 PM
237 Investments
 
Borrower Payment Dependent Notes Series 490631
This series of Notes was issued and sold upon the funding of the borrower loan #46660, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: B Listing Duration: 14 days
Partially Funded: no Estimated loss*: 5.95% Listing Start date:  Jan-13-2011 
Term: 36 months Listing End date:  Jan-13-2011 
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 16.65% Monthly payment: $154.87
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* 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: Oct-1995 Debt/Income ratio: 13%
Credit score: 740-759 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:10y 4m
Amount delinquent: $0 Total credit lines: 36 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,353Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: Matt-AL Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
New product line inventory
Purpose of loan:
Purchase inventory for a new product line in my online store.

My financial situation:
I pay my bills on time. I do not overextend myself with regards to credit.? The amounts below only include my income and expenses, not my spouses. Cars?are paid off.

Monthly net income: $ 3900

Monthly expenses: $
??Housing: $ 950
??Insurance: $ 120
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 250
??Clothing, household expenses $
??Credit cards and other loans: $?usually 500 - 800, minimum is around 250
??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: What business are you in and what product line are you adding to the business? Also what shape is the business in? Thanks - market-mesh
A: Online apparel retail, currently inhouse produced items. Expanding to add licensed apparel. The business is less than 6 months old, does not produce a profit yet. (Jan-13-2011)
1 question & answer
Information in Questions and Answers is not verified
InvestorAmountInvestment Date (PT)
commerce-yeller$25.001/13/2011 10:00:15 AM
enthralling-deal180$50.001/13/2011 10:00:50 AM
bowdish1$50.001/13/2011 10:03:15 AM
simplelender80$100.001/13/2011 10:03:33 AM
power-trophy7$25.001/13/2011 10:03:45 AM
organized-payment6$50.001/13/2011 10:04:16 AM
radforj22$25.001/13/2011 10:06:00 AM
american6$100.001/13/2011 10:06:27 AM
reflective-rupee$33.331/13/2011 10:10:40 AM
DasMula$100.001/13/2011 10:13:11 AM
be_wise$25.001/13/2011 10:15:10 AM
the-auction-bear$25.001/13/2011 10:02:26 AM
tech310$50.001/13/2011 10:02:52 AM
skuba$75.001/13/2011 10:03:04 AM
genius520$100.001/13/2011 10:03:27 AM
honorable-yield$25.001/13/2011 10:04:10 AM
ursus$100.001/13/2011 10:04:22 AM
finance_mba$25.001/13/2011 10:04:38 AM
impeccable-transparency$50.001/13/2011 10:04:57 AM
SanJoser$25.001/13/2011 10:20:23 AM
a-responsible-return$25.001/13/2011 10:02:38 AM
RandyL3$25.001/13/2011 10:24:47 AM
fund-tom-tom6$25.001/13/2011 11:48:19 AM
orange-generous-ore$25.001/13/2011 10:14:47 AM
magnificent-asset3$43.681/13/2011 12:21:24 PM
GElender$50.001/13/2011 10:18:31 AM
downtownfarm$25.001/13/2011 10:18:47 AM
objective-investor$150.001/13/2011 10:18:58 AM
vutah$50.001/13/2011 10:59:47 AM
museic1$50.001/13/2011 10:15:28 AM
georgedorn$25.001/13/2011 11:11:42 AM
EngineersAlliance$100.001/13/2011 2:25:11 PM
one-midas$50.001/13/2011 2:28:11 PM
velocity-solo$25.001/13/2011 10:17:33 AM
nilonc1$25.001/13/2011 11:27:16 AM
bdloans$25.001/13/2011 10:18:14 AM
nduli$41.251/13/2011 10:34:42 AM
OnePoorDude$50.001/13/2011 11:09:14 AM
vigilance-revolutionary$50.001/13/2011 12:34:55 PM
murspot$40.001/13/2011 12:41:49 PM
Pickmar$25.001/13/2011 1:03:36 PM
wealth-multiplier$25.001/13/2011 1:11:06 PM
TomDalonajay$25.001/13/2011 1:57:44 PM
veritek$40.001/13/2011 2:32:31 PM
reinforced-revenue069$25.001/13/2011 2:34:14 PM
jescowa$50.001/13/2011 2:34:51 PM
Artist_Blue$25.001/13/2011 1:26:02 PM
himanshuko$35.001/13/2011 2:07:19 PM
hektek22$600.001/13/2011 2:16:59 PM
bondhedger$25.001/13/2011 2:25:31 PM
asset-professor$50.001/13/2011 2:34:07 PM
reinforced-funds4$25.001/13/2011 2:34:20 PM
1phantom$50.001/13/2011 10:03:57 AM
worthy-bid8$50.001/13/2011 10:05:28 AM
rolandweary$25.001/13/2011 10:17:00 AM
inspire22$50.001/13/2011 10:02:17 AM
five-star-justice$36.001/13/2011 10:04:47 AM
PatRichi$25.001/13/2011 10:19:09 AM
cathexis$25.001/13/2011 10:19:40 AM
ichibon$250.001/13/2011 10:02:25 AM
fiddlerzvi$50.001/13/2011 10:20:55 AM
handshake5$100.001/13/2011 10:02:34 AM
JustMee$25.001/13/2011 11:15:41 AM
first-upright-payout$25.001/13/2011 10:05:41 AM
golffish2$100.001/13/2011 11:26:49 AM
bazaar-festivity$100.001/13/2011 10:12:42 AM
the-silver-blaster$50.001/13/2011 10:15:20 AM
gt1687c$50.001/13/2011 10:15:55 AM
dcap3$25.001/13/2011 10:17:51 AM
scottr$42.351/13/2011 10:15:27 AM
generator535$25.001/13/2011 10:15:33 AM
merriewold$40.001/13/2011 1:58:09 PM
fenpark15$25.001/13/2011 2:02:38 PM
fareast_man$25.001/13/2011 10:16:37 AM
steve_a$25.001/13/2011 11:16:15 AM
wwwUniversal$25.001/13/2011 2:25:46 PM
goodhearted-basis4$25.001/13/2011 10:17:12 AM
beaker$25.001/13/2011 10:19:52 AM
conceptpi$50.001/13/2011 10:19:58 AM
exadius71$30.001/13/2011 12:18:40 PM
cash-tent$30.001/13/2011 12:16:48 PM
dgammons$30.001/13/2011 1:53:52 PM
ijspence$25.001/13/2011 2:12:31 PM
tolerant-dinero2$25.001/13/2011 2:26:23 PM
skiter53$50.001/13/2011 2:34:31 PM
xcap$25.001/13/2011 2:34:13 PM
slartibardfast$25.001/13/2011 2:34:55 PM
potatoepicker$50.001/13/2011 2:35:02 PM
88 Investments
 
Borrower Payment Dependent Notes Series 490649
This series of Notes was issued and sold upon the funding of the borrower loan #46523, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: AA Listing Duration: 14 days
Partially Funded: no Estimated loss*: 1.55% Listing Start date:  Jan-13-2011 
Term: 12 months Listing End date:  Jan-13-2011 
 
Lender yield: 3.99% Borrower rate/APR: 4.99% / 5.93% Monthly payment: $171.21
 
Lender servicing fee: 1.00% Effective Yield*: 4.00%  
Estimated return*: 2.45%  
* 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: Mar-1988 Debt/Income ratio: 3%
Credit score: 800-819 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:19y 4m
Amount delinquent: $0 Total credit lines: 43 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,840Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: Yes  
Screen name: uncleegg 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
reinvest in propser
Purpose of loan:
This loan will be used to? reinvest in prosper for a few points of margin, I like the concept

My financial situation:
I am a good candidate for this loan because? excellent credit and financial standing
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)
Approved$50.001/13/2011 9:58:52 AM
the-auction-bear$25.001/13/2011 9:59:31 AM
Dollars4Rent$50.001/13/2011 10:07:12 AM
blot44$25.001/13/2011 10:07:26 AM
DonaldColorado$32.191/13/2011 10:07:37 AM
kind-important-liberty9$50.001/13/2011 10:07:51 AM
eloquent-dime416$50.001/13/2011 10:07:59 AM
TSC$100.001/13/2011 10:08:34 AM
p2p-paradise$50.001/13/2011 9:58:58 AM
balance-voyager$50.001/13/2011 10:00:12 AM
kyomoon$50.001/13/2011 10:00:27 AM
mathprof$25.001/13/2011 10:01:15 AM
syounker$25.001/13/2011 10:01:20 AM
organized-payment6$50.001/13/2011 10:01:23 AM
Curly-Girly$25.001/13/2011 9:59:16 AM
xphile$25.001/13/2011 10:01:01 AM
credit-investor5$25.001/13/2011 10:01:17 AM
MarinLoans$25.001/13/2011 10:07:31 AM
kenji4861$50.001/13/2011 10:07:55 AM
swiftsoul$25.001/13/2011 10:08:01 AM
WLenders$50.001/13/2011 10:08:19 AM
socal-lender$25.001/13/2011 10:05:57 AM
revenue-officer36$100.001/13/2011 10:06:55 AM
flexible-value$50.001/13/2011 10:08:03 AM
astute-investment5$25.001/13/2011 10:08:30 AM
BankingFamily$50.001/13/2011 10:08:39 AM
AmericanCredit$25.001/13/2011 10:08:45 AM
smallbizrule$25.001/13/2011 10:08:49 AM
Drewkeeper$25.001/13/2011 9:58:59 AM
FlexFunding$50.001/13/2011 9:59:20 AM
greenback-guard$25.001/13/2011 10:00:03 AM
b1geasy$25.001/13/2011 10:01:09 AM
life-is-great$50.001/13/2011 10:07:22 AM
newest-organic-rupee$25.001/13/2011 10:07:29 AM
shamrocker$25.001/13/2011 10:01:26 AM
restless-currency$41.011/13/2011 10:01:29 AM
Good_Karma_Cafe$25.001/13/2011 9:58:53 AM
indomitable-coin$100.001/13/2011 10:00:18 AM
rosie777$30.001/13/2011 10:00:22 AM
helpishere777$25.001/13/2011 10:00:56 AM
interest-exec9$25.001/13/2011 10:01:18 AM
vine99$90.001/13/2011 10:01:55 AM
secret-santa$25.001/13/2011 10:07:08 AM
Marathoner$25.001/13/2011 10:07:36 AM
corndog4000$50.001/13/2011 10:08:11 AM
blue-note-relaxation$50.001/13/2011 10:06:35 AM
MONEYLENDER101$27.511/13/2011 10:06:59 AM
Tahoeguy$50.001/13/2011 10:07:24 AM
compoundinterest$50.001/13/2011 10:07:57 AM
bds9646$26.001/13/2011 10:08:05 AM
50 Investments
 
Borrower Payment Dependent Notes Series 489890
This series of Notes was issued and sold upon the funding of the borrower loan #46657, 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*: 5.95% Listing Start date:  Jan-05-2011 
Term: 36 months Listing End date:  Jan-06-2011 
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 17.07% Monthly payment: $207.70
 
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: Jan-1995 Debt/Income ratio: 23%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 14 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,097Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: GoutNout 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
Pay off car and improve on new home
Purpose of loan:
I will pay off the remainder of my 36 month car loan ~$2,000. I will also use the money towards minor improvements on a newly purchased home that I will be closing this month.

My financial situation:
I am a managing partner and area manager of a fast food chain. I have never missed or been late on any kind of payment, not even once.
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)
Bio-physicist$50.001/5/2011 10:11:19 AM
organized-payment6$50.001/5/2011 10:23:52 AM
handshake5$100.001/5/2011 10:20:33 AM
tech310$50.001/5/2011 10:26:13 AM
jonn834$25.001/5/2011 10:27:04 AM
five-star-responsibility0$50.001/5/2011 10:14:45 AM
bazaar-festivity$100.001/5/2011 10:23:44 AM
a-responsible-return$25.001/5/2011 10:20:09 AM
riskreward$100.001/5/2011 10:22:30 AM
goodhearted-basis4$25.001/5/2011 10:41:02 AM
inspired-investment8$100.001/5/2011 10:29:26 AM
DasMula$25.001/5/2011 10:54:02 AM
first-upright-payout$25.001/5/2011 10:30:39 AM
GElender$50.001/5/2011 10:30:52 AM
Banker7371$25.001/5/2011 10:24:57 AM
buckyhead2000$25.001/5/2011 10:25:14 AM
selector568$50.001/5/2011 10:25:39 AM
JTHarris$25.001/5/2011 11:41:23 AM
DasMula$37.841/5/2011 10:53:53 AM
rdrloan$50.001/5/2011 10:27:53 AM
credit-haven7$25.001/5/2011 11:19:10 AM
RandyL3$25.001/5/2011 11:23:31 AM
Mav26$50.161/5/2011 1:55:41 PM
investment-star$50.001/5/2011 10:32:04 AM
reflective-rupee$66.661/5/2011 11:02:42 AM
tigercat$50.001/5/2011 11:16:46 AM
Astyanax$50.001/5/2011 12:11:11 PM
KSPHoldings$25.001/5/2011 12:54:58 PM
El_Maestro$25.001/5/2011 1:55:36 PM
favorite-commerce$25.001/5/2011 2:18:09 PM
currency-agave$25.001/5/2011 4:00:40 PM
AsianDragon$25.001/5/2011 3:19:52 PM
japerk$25.001/5/2011 4:32:12 PM
felicity-loyalist0$25.001/5/2011 3:48:54 PM
grammaspurse$25.001/5/2011 4:08:05 PM
villagers$25.001/5/2011 5:38:22 PM
colorfulgardener$25.001/5/2011 5:59:53 PM
JCM_MN$43.001/5/2011 7:49:58 PM
cashhelp$25.001/5/2011 4:54:32 PM
unassailable-dollar$25.001/5/2011 5:06:32 PM
DesiKuber$25.001/6/2011 12:14:25 AM
a2190b$25.001/5/2011 6:53:07 PM
gogrannygo$25.001/6/2011 7:13:16 AM
loanman2007$125.001/6/2011 5:53:04 AM
intuitive-worth7$38.581/6/2011 7:45:48 AM
lightninghcky7$25.001/6/2011 8:26:18 AM
triumph329$25.001/6/2011 5:45:40 AM
CashBank$25.001/6/2011 9:21:04 AM
raiderj$25.001/6/2011 9:32:54 AM
AK49-JW$25.001/6/2011 12:01:06 PM
JGuide$25.001/6/2011 1:16:11 PM
Kyileo$25.001/6/2011 10:41:47 AM
snowyowl$25.001/6/2011 2:06:07 PM
LendingSingularity$100.001/6/2011 3:27:04 PM
moola-monger9$50.001/6/2011 2:34:30 PM
balance-voyager$50.001/6/2011 3:30:44 PM
upright-silver$25.001/6/2011 4:25:49 PM
Occhy$50.001/6/2011 4:18:34 PM
loyalty-czar$50.001/6/2011 4:45:00 PM
GeorgiaGator$35.001/6/2011 5:11:36 PM
Josphine$25.001/6/2011 5:31:49 PM
wwwUniversal$25.001/6/2011 5:20:53 PM
bountiful-durability$100.001/6/2011 5:22:05 PM
TommyTucker$25.001/6/2011 6:42:27 PM
Goddess-4-one$25.001/6/2011 7:15:53 PM
Onlyhappycustomers$25.001/6/2011 7:50:31 PM
market-jam$50.001/6/2011 9:30:34 PM
coin-explorer$25.001/6/2011 7:24:11 PM
havok555$32.171/6/2011 8:17:48 PM
Bidwinner08$50.001/6/2011 8:50:27 PM
credit-guard5$25.001/6/2011 9:05:51 PM
Ragnar$50.001/6/2011 9:15:44 PM
skuba$75.001/6/2011 9:55:33 PM
HawaiianHelper$50.001/6/2011 11:25:36 PM
myworld701$25.001/5/2011 10:20:04 AM
enthralling-deal180$50.001/5/2011 10:21:49 AM
patriot897$50.001/5/2011 10:26:19 AM
Eastern$50.001/5/2011 10:23:11 AM
nilonc1$100.001/5/2011 10:24:06 AM
SimpleChoice$25.001/5/2011 10:25:22 AM
6moonbeams$50.001/5/2011 10:19:16 AM
orgy63$50.001/5/2011 10:22:05 AM
friendinmoney$25.001/5/2011 10:38:55 AM
fightinjoe$50.001/5/2011 10:24:22 AM
Artist_Blue$25.001/5/2011 10:24:32 AM
panegryst$25.001/5/2011 10:24:48 AM
ray1051$25.001/5/2011 10:26:01 AM
american6$50.001/5/2011 10:26:46 AM
JustMee$25.001/5/2011 11:02:23 AM
smart-gold$25.001/5/2011 11:11:10 AM
indomitable-coin$54.591/5/2011 11:16:45 AM
OzGuy609$50.001/5/2011 12:40:48 PM
credit-guard5$25.001/5/2011 11:34:32 AM
innocent-income4$25.001/5/2011 10:31:36 AM
vine99$75.001/5/2011 11:52:37 AM
radforj22$25.001/5/2011 12:00:25 PM
Railbird$50.001/5/2011 3:10:32 PM
gold-channel2$50.001/5/2011 11:41:43 AM
AF-Chief$50.001/5/2011 3:17:58 PM
cwegert$25.001/5/2011 12:48:29 PM
northphoto$25.001/5/2011 12:51:41 PM
UncleSafety$100.001/5/2011 2:43:01 PM
loss-of-control$100.001/5/2011 4:34:57 PM
FinanceEngine$25.001/5/2011 3:58:40 PM
visionary-community$25.001/5/2011 4:51:35 PM
MrCoffee$25.001/5/2011 5:59:31 PM
vutah$25.001/5/2011 4:47:23 PM
walkinman$25.001/5/2011 4:58:41 PM
debt-sphinx99$25.001/6/2011 6:32:53 AM
BlessedEveryDay$30.001/6/2011 5:50:43 AM
Aimvest$25.001/6/2011 8:25:02 AM
economy-caper9$25.001/6/2011 8:29:06 AM
dsgfl1$100.001/6/2011 8:30:20 AM
blue-useful-auction$25.001/6/2011 7:44:16 AM
verdiprr$500.001/6/2011 10:33:15 AM
joyous-revenue4$25.001/6/2011 11:43:03 AM
puifais$50.001/6/2011 12:10:58 PM
nickel-banshee$54.001/6/2011 12:13:28 PM
ethicalhumanist$50.001/6/2011 1:28:41 PM
gain-mountain1$50.001/6/2011 11:48:42 AM
PropertyInvest$25.001/6/2011 4:07:02 PM
angel879$25.001/6/2011 12:59:08 PM
SolarMoonshine$25.001/6/2011 4:09:46 PM
Ripsaw4U$50.001/6/2011 1:10:20 PM
friendly-money$100.001/6/2011 4:06:56 PM
bigphish$50.001/6/2011 4:54:11 PM
lovely-order7$39.471/6/2011 4:58:55 PM
social-zebra$39.191/6/2011 5:08:58 PM
WiscoInvestments$75.001/6/2011 6:07:24 PM
subtle-revenue0$25.001/6/2011 5:22:16 PM
MoneyTree79$25.001/6/2011 5:50:03 PM
ianakacg$25.001/6/2011 8:05:34 PM
Short_Stack$25.001/6/2011 8:05:44 PM
Pod1313$25.001/6/2011 9:48:13 PM
HeroJason86$25.001/6/2011 6:38:47 PM
superb-funds335$25.001/6/2011 9:37:20 PM
136 Investments
 
Borrower Payment Dependent Notes Series 489980
This series of Notes was issued and sold upon the funding of the borrower loan #46663, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,000.00 Prosper Rating: AA Listing Duration: 14 days
Partially Funded: no Estimated loss*: 1.55% Listing Start date:  Jan-05-2011 
Term: 36 months Listing End date:  Jan-05-2011 
 
Lender yield: 7.00% Borrower rate/APR: 8.00% / 8.34% Monthly payment: $250.69
 
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: Jul-1990 Debt/Income ratio: 8%
Credit score: 740-759 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 15 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,826Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: riveting-community 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
Chase Card Loan
Purpose of loan:
This loan will be used to? Pay off a high interest credit card, the last one I have left.

My financial situation:
I am a good candidate for this loan because?I have a steady high paying job of 120K a year, my take home after taxes and 401K is about 5K a month, I always pay my bills and debts on time, and I if I hit my sales goal, which is very likely, I will get a bonus of an additional 150K.
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$50.001/5/2011 3:27:00 PM
favorite-funds8$25.001/5/2011 3:27:12 PM
life-is-great$50.001/5/2011 3:27:24 PM
jasperpants$25.001/5/2011 3:27:32 PM
WealthBoy$50.001/5/2011 3:28:04 PM
Curly-Girly$25.001/5/2011 3:28:56 PM
investment-star$100.001/5/2011 3:29:11 PM
dime-galaxy$50.001/5/2011 3:29:20 PM
DDHMoney$25.001/5/2011 3:29:24 PM
esabzb$25.001/5/2011 3:29:33 PM
Rivervale_Westwood$50.001/5/2011 3:29:43 PM
dougm$50.001/5/2011 3:29:53 PM
T2Capital$25.001/5/2011 3:30:04 PM
elegant-income3$50.001/5/2011 3:30:11 PM
sanjl79$25.001/5/2011 3:30:26 PM
FrayBentos$50.001/5/2011 3:30:38 PM
jmainc$25.001/5/2011 3:30:43 PM
AFairDeal$75.001/5/2011 3:31:00 PM
exchange-pledge$50.001/5/2011 3:31:04 PM
dpfl55$25.001/5/2011 3:31:09 PM
madison64$25.001/5/2011 3:31:15 PM
interest-exec9$25.001/5/2011 3:31:25 PM
adhawan325$25.001/5/2011 3:31:30 PM
afotherg$75.001/5/2011 3:31:39 PM
nicklds$25.001/5/2011 3:31:57 PM
rlrcstr$25.001/5/2011 3:32:07 PM
mathprof$25.001/5/2011 3:32:13 PM
Daneistes$50.001/5/2011 3:32:55 PM
RB_Double-A_Bravo$25.001/5/2011 3:27:11 PM
Captain88$25.001/5/2011 3:27:17 PM
jfd287$50.001/5/2011 3:27:26 PM
windfall46$25.001/5/2011 3:27:34 PM
guardlender$25.001/5/2011 3:27:38 PM
heroic-platinum$25.001/5/2011 3:27:45 PM
narblark$100.001/5/2011 3:28:01 PM
frankdelraza$25.001/5/2011 3:28:07 PM
lifegrowth$25.001/5/2011 3:28:24 PM
wormdc$25.001/5/2011 3:29:00 PM
dollars4debts$25.001/5/2011 3:29:06 PM
deal-frontier$50.001/5/2011 3:29:13 PM
newyork6264$50.001/5/2011 3:29:26 PM
basis-equalizer0$25.001/5/2011 3:29:34 PM
Breken6$25.001/5/2011 3:29:41 PM
happyjackbak$50.001/5/2011 3:29:49 PM
apuguy23$50.001/5/2011 3:29:54 PM
Nonsolis$25.001/5/2011 3:30:00 PM
repayment-launcher$25.001/5/2011 3:30:05 PM
knitwit$50.001/5/2011 3:30:12 PM
neenerman$50.001/5/2011 3:30:14 PM
brightest-durability-chomper$25.001/5/2011 3:30:23 PM
generous-deal6$50.001/5/2011 3:30:34 PM
bold-treasure-neutrino$50.001/5/2011 3:30:49 PM
Hokie83$50.001/5/2011 3:30:58 PM
outtahoth2o$50.001/5/2011 3:31:03 PM
scholarly-integrity$25.001/5/2011 3:31:08 PM
windpiano1962$25.001/5/2011 3:31:17 PM
LowLeftJim$25.001/5/2011 3:31:34 PM
restless-currency$41.011/5/2011 3:31:40 PM
phoko$25.001/5/2011 3:32:03 PM
ray1051$75.001/5/2011 3:32:11 PM
a-responsible-return$50.001/5/2011 3:32:17 PM
building_community$25.001/5/2011 3:32:38 PM
MONEYLENDER101$100.001/5/2011 3:32:43 PM
hawaiiangirl76$25.001/5/2011 3:32:48 PM
gzeo$25.001/5/2011 3:32:57 PM
casaram$25.001/5/2011 3:33:06 PM
p2p-paradise$50.001/5/2011 3:26:49 PM
green-glowing-gain$25.001/5/2011 3:27:09 PM
mindful-duty$42.011/5/2011 3:27:18 PM
SourDoughSteve$25.001/5/2011 3:27:27 PM
HUNTER599673$25.001/5/2011 3:27:36 PM
auction-sage$50.001/5/2011 3:27:43 PM
commerce-voyager$25.001/5/2011 3:27:52 PM
alpinaut$25.001/5/2011 3:27:56 PM
contract-festival7$50.001/5/2011 3:28:49 PM
HRVRfunding$25.501/5/2011 3:29:10 PM
adevadeh$50.001/5/2011 3:29:15 PM
focused-wampum$25.001/5/2011 3:29:28 PM
larrybird$150.001/5/2011 3:29:36 PM
pulmdoc$25.001/5/2011 3:29:45 PM
djh47a$25.001/5/2011 3:29:55 PM
tj1683$25.001/5/2011 3:30:03 PM
pseudokris$25.001/5/2011 3:30:10 PM
antlr$50.001/5/2011 3:30:21 PM
cash-merry-maker$25.001/5/2011 3:30:28 PM
wise-balanced-moola$25.001/5/2011 3:30:35 PM
YellowJacket$25.001/5/2011 3:30:41 PM
undaunted-kindness$100.001/5/2011 3:30:50 PM
NJNY$25.001/5/2011 3:30:59 PM
wealthstar$25.001/5/2011 3:31:09 PM
trillian16$25.001/5/2011 3:31:21 PM
attractive-asset$100.001/5/2011 3:31:29 PM
Veridic$25.001/5/2011 3:31:38 PM
syounker$25.001/5/2011 3:31:44 PM
Avid_Skier$27.721/5/2011 3:31:50 PM
seabass123$25.001/5/2011 3:32:05 PM
organized-payment6$50.001/5/2011 3:32:12 PM
CASHGIRL$35.001/5/2011 3:32:18 PM
mizount$25.001/5/2011 3:32:32 PM
thedoctor$50.001/5/2011 3:33:07 PM
FlexFunding$50.001/5/2011 3:27:05 PM
outwish$25.001/5/2011 3:27:23 PM
lenderme$25.001/5/2011 3:27:32 PM
nofreelunch$25.001/5/2011 3:27:40 PM
heavenly-treasure542$29.211/5/2011 3:28:54 PM
damage$25.001/5/2011 3:28:57 PM
Raptorman$25.001/5/2011 3:29:16 PM
courteous-deal114$50.001/5/2011 3:29:22 PM
kegs$200.001/5/2011 3:29:40 PM
p2p-dominator3$25.001/5/2011 3:29:47 PM
gentle-gold$25.001/5/2011 3:29:57 PM
skillful-diversification2$25.001/5/2011 3:30:07 PM
RockCrown$50.001/5/2011 3:30:17 PM
radforj22$75.001/5/2011 3:30:32 PM
selo80$25.001/5/2011 3:30:39 PM
fireboss$50.001/5/2011 3:30:46 PM
nonukem$25.001/5/2011 3:30:57 PM
panegryst$50.001/5/2011 3:31:02 PM
BaltimoreLender$25.001/5/2011 3:31:05 PM
Bio-physicist$25.001/5/2011 3:31:13 PM
iolaire$25.001/5/2011 3:31:23 PM
red-fearless-investment$50.001/5/2011 3:31:29 PM
godfather4u$50.001/5/2011 3:31:36 PM
ManyBlessings$50.001/5/2011 3:31:52 PM
BiggestG$25.001/5/2011 3:31:59 PM
steady-gain5$25.001/5/2011 3:32:10 PM
blot44$25.001/5/2011 3:32:51 PM
transparency-giant$25.001/5/2011 3:33:02 PM
Binan$25.001/5/2011 3:27:07 PM
mpactlender$25.001/5/2011 3:27:14 PM
acropiloterau2002$25.001/5/2011 3:27:25 PM
bulldawg$25.001/5/2011 3:27:33 PM
Thecozychick$25.001/5/2011 3:27:35 PM
jam96$25.001/5/2011 3:27:41 PM
bmcg$25.001/5/2011 3:27:47 PM
Havana21$200.001/5/2011 3:28:05 PM
lenderforyoutoday$50.001/5/2011 3:28:09 PM
Tahoeguy$50.001/5/2011 3:29:02 PM
kyomoon$50.001/5/2011 3:29:08 PM
JoyfulVegetarian$25.001/5/2011 3:29:31 PM
philosopher4$50.001/5/2011 3:29:51 PM
fotep-financial$25.001/5/2011 3:29:58 PM
platinum-oath0$25.001/5/2011 3:30:01 PM
gigabit$50.001/5/2011 3:30:09 PM
MarinLoans$25.001/5/2011 3:30:13 PM
trucklawyer$25.001/5/2011 3:30:19 PM
peb44$25.001/5/2011 3:30:27 PM
Kerrysbay$25.001/5/2011 3:30:40 PM
reinforced-reward$25.001/5/2011 3:30:53 PM
here2lend$25.001/5/2011 3:31:01 PM
neighborly-hope6$50.001/5/2011 3:31:06 PM
degster$25.001/5/2011 3:31:10 PM
brightest-affluence-motivator$100.001/5/2011 3:31:26 PM
mar97$50.001/5/2011 3:31:33 PM
nimble-money0$50.001/5/2011 3:31:37 PM
mla$25.001/5/2011 3:32:01 PM
DadWarbucks$60.001/5/2011 3:32:08 PM
freesia54$50.001/5/2011 3:32:16 PM
Jassi$25.001/5/2011 3:32:24 PM
moola-rose8$25.001/5/2011 3:32:40 PM
fiscal65$50.001/5/2011 3:32:46 PM
lender987654321$25.001/5/2011 3:32:54 PM
enigmallc$25.001/5/2011 3:33:04 PM
schpere$30.551/5/2011 3:26:54 PM
best-heavenly-justice$25.001/5/2011 3:27:15 PM
red-trade-cologne$50.001/5/2011 3:27:19 PM
jjb3$30.001/5/2011 3:27:30 PM
Namrok$25.001/5/2011 3:27:39 PM
NMGbank$25.001/5/2011 3:27:50 PM
ZeoInvestments$25.001/5/2011 3:27:54 PM
octoberfresh$25.001/5/2011 3:28:02 PM
Natronpee$25.001/5/2011 3:28:21 PM
gmilliken$25.001/5/2011 3:28:52 PM
unassuming-generosity$25.001/5/2011 3:29:10 PM
Spydey$50.001/5/2011 3:29:17 PM
108lender$200.001/5/2011 3:29:33 PM
Mookouw$25.001/5/2011 3:29:42 PM
the-financier814$25.001/5/2011 3:30:02 PM
astute-benjamins$30.001/5/2011 3:30:06 PM
funds-rascal$50.001/5/2011 3:30:16 PM
dtrain5$50.001/5/2011 3:30:25 PM
newest-generous-income$25.001/5/2011 3:30:36 PM
SunsetCoastCapital$25.001/5/2011 3:30:44 PM
asset-professor$25.001/5/2011 3:30:55 PM
responsibility-cherry6$50.001/5/2011 3:31:01 PM
DonaldColorado$100.001/5/2011 3:31:11 PM
paladin847$50.001/5/2011 3:31:27 PM
schreibp$25.001/5/2011 3:31:35 PM
patriot897$50.001/5/2011 3:31:41 PM
letsbank$25.001/5/2011 3:31:47 PM
jonn834$25.001/5/2011 3:32:03 PM
kmwvma$25.001/5/2011 3:32:09 PM
shamrocker$25.001/5/2011 3:32:14 PM
Phantom99$100.001/5/2011 3:32:20 PM
goldfinger3$100.001/5/2011 3:32:35 PM
CBO-Enterprise$100.001/5/2011 3:33:07 PM
skuba$50.001/5/2011 3:33:09 PM
197 Investments
 
Borrower Payment Dependent Notes Series 490206
This series of Notes was issued and sold upon the funding of the borrower loan #46496, 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*: 5.95% Listing Start date:  Jan-09-2011 
Term: 36 months Listing End date:  Jan-13-2011 
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 17.07% Monthly payment: $519.25
 
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: Sep-1999 Debt/Income ratio: 34%
Credit score: 780-799 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:10y 3m
Amount delinquent: $0 Total credit lines: 29 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,731Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: Finchy78 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
Consolidating Credit Cards.
Purpose of loan:
This loan will be used to?
Consolidate my credit card debt into one payment, and pay prosper lenders like myself(lender since 07) interest instead of the banks.
$10,500 at same interest rate.
$3,500 at 15.9
$1,000 at 15.9
My financial situation:
I am a good candidate for this loan because?
I take my credit very seriously and would not jeopardize all the hard work ive put into building a descent credit rating.
Monthly net income: $ 5000

Monthly expenses: $
??Housing: $1900
??Insurance: $?0
??Car expenses: $ 600
??Utilities: $
??Phone, cable, internet: $ 250
??Food, entertainment: $ 600
??Clothing, household expenses $
??Credit cards and other loans: $???100 for 0 percent cards all others will be covered under this loan
Other expenses: $
Information in the Description is not verified.
Friends And Family Investments
boomer5 has invested a total of $25.00.
1 friends and family investment
Information in Friends and Family Investments is not verified
Questions & Answers
Q: How long have you been in the military? - JGuide
A: I have been in the military since October 2000. (Jan-10-2011)
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: My Mortgage balance is 248,000. Home was appraised at 265,000. (Jan-10-2011)
Q: What is the 1 delinquency in your credit profile in reference to? Thanks - RecoveryLender
A: This delinquency is from a student loan that my mother was nice enough to pay for me. She decided to transfer responsibility back to me while I was on deployment (unknown to me at the time) when I got back and found this issue i took care of it. It will have been 7 years ago in a few months. Thankyou. (Jan-12-2011)
3 question & answer
Information in Questions and Answers is not verified
InvestorAmountInvestment Date (PT)
a-responsible-return$25.001/9/2011 7:40:26 PM
6moonbeams$50.001/9/2011 7:40:07 PM
enthralling-deal180$50.001/9/2011 7:40:10 PM
Ripsaw4U$50.001/9/2011 7:46:58 PM
adventurous-cash$25.001/9/2011 7:40:36 PM
skuba$75.001/9/2011 7:47:30 PM
bowdish1$50.001/9/2011 7:47:43 PM
commerce-web5$50.001/9/2011 7:49:53 PM
radforj22$25.001/9/2011 7:45:15 PM
tech310$50.001/9/2011 7:45:32 PM
rss197$25.001/9/2011 7:51:00 PM
comet55$25.001/9/2011 7:49:37 PM
one-midas$50.001/9/2011 10:17:26 PM
power-trophy7$25.001/9/2011 7:50:10 PM
thankful-nickel2$25.001/9/2011 8:23:08 PM
ray1051$25.001/10/2011 6:51:26 AM
lendstats_com$400.001/10/2011 9:21:56 AM
heroic-payout9$29.231/10/2011 10:09:15 AM
selector568$200.001/10/2011 9:55:29 AM
chrisb1414$25.001/10/2011 11:52:23 AM
geophreigh$25.001/10/2011 12:57:00 PM
boomer5$25.001/10/2011 3:44:02 PM
amusement4$100.001/10/2011 7:06:55 PM
fuke$25.001/10/2011 10:00:47 PM
Socorro_Capital_Partners$25.001/11/2011 9:14:09 AM
peso-fortress$25.001/11/2011 9:04:10 AM
ursus$100.001/11/2011 10:18:56 AM
richboy56$25.001/11/2011 11:34:06 AM
Integrity1st$25.441/11/2011 1:14:53 PM
finance_mba$25.001/11/2011 2:18:49 PM
integrity-doctor$100.001/11/2011 2:59:05 PM
aasx1108$25.001/11/2011 4:43:20 PM
lenderrn$25.001/11/2011 5:54:35 PM
villagers$25.001/11/2011 6:24:06 PM
JGuide$25.991/11/2011 5:13:19 PM
svandgts$36.991/11/2011 5:19:51 PM
jpaulnyc$31.181/11/2011 5:30:05 PM
Kyileo$25.001/11/2011 5:49:14 PM
jaesposito$25.001/11/2011 6:01:51 PM
patriot897$50.001/11/2011 6:27:19 PM
atomantic$25.001/11/2011 6:57:28 PM
roxon$25.001/11/2011 7:02:41 PM
andyxx$25.001/11/2011 11:36:44 PM
superchicken$25.001/11/2011 7:31:36 PM
ryreesado$25.001/11/2011 8:26:57 PM
secureincome$3,000.001/11/2011 8:09:25 PM
museic1$50.001/12/2011 3:22:23 AM
priceless-money6$50.001/12/2011 3:23:52 AM
williemc44$25.001/11/2011 10:38:47 PM
loanman2007$125.001/12/2011 4:46:56 AM
industrious-dedication$25.001/11/2011 10:15:55 PM
arcangel72$25.001/11/2011 11:01:09 PM
loyalist1$100.001/12/2011 6:35:47 AM
mosby$50.001/12/2011 2:28:51 AM
Jinja$50.001/12/2011 2:56:23 AM
chameleon125$50.001/12/2011 6:50:52 AM
inspired-investment8$100.001/12/2011 3:44:36 AM
lazyeye$25.001/12/2011 4:47:10 AM
impeccable-transparency$50.001/12/2011 5:21:28 AM
magnetic-duty$25.001/12/2011 9:00:16 AM
well-mannered-income3$40.001/12/2011 7:09:37 AM
atlantic51$25.001/12/2011 7:24:18 AM
five-star-note$191.541/12/2011 7:41:02 AM
lepolgr$50.001/12/2011 7:51:21 AM
pythia$25.001/12/2011 8:08:42 AM
tacologic$50.001/12/2011 8:17:41 AM
dloan$25.001/12/2011 8:23:45 AM
RetirementMoney$75.001/12/2011 9:16:54 AM
futurechef11$25.001/12/2011 10:15:16 AM
ronow22$100.001/12/2011 12:14:05 PM
CSinvestments$25.001/12/2011 9:57:30 AM
Purple11$50.001/12/2011 10:19:08 AM
mraleig$175.001/12/2011 3:48:04 PM
american6$100.001/12/2011 11:53:57 AM
jckpar$50.001/12/2011 12:29:41 PM
Cherrypicker$25.001/12/2011 1:31:52 PM
Lou-Holtz$25.001/12/2011 7:03:51 PM
Mark0135$50.001/12/2011 5:13:52 PM
gs92126$50.001/12/2011 5:28:41 PM
2brotherslending$50.001/13/2011 12:21:46 AM
Mostyle$25.001/12/2011 5:51:38 PM
lenderlee$50.001/13/2011 12:37:48 AM
unclemalcolm$50.001/12/2011 5:34:27 PM
kind-important-liberty9$25.001/13/2011 2:10:17 AM
smart-finance773$50.001/12/2011 6:02:45 PM
vegibenz$25.001/13/2011 3:28:33 AM
be_wise$25.001/12/2011 6:28:56 PM
soroxy$25.001/13/2011 3:50:56 AM
thorough-exchange4$50.001/12/2011 6:35:50 PM
jefner77$67.381/12/2011 6:30:03 PM
Aleut$25.001/13/2011 3:52:16 AM
DcUnited$30.001/13/2011 3:56:15 AM
reflective-rupee$66.661/12/2011 6:59:08 PM
best-platinum-persimmon$27.001/13/2011 4:07:11 AM
sensible-order2$31.791/13/2011 4:07:37 AM
jwood3030$25.001/13/2011 4:10:39 AM
huorn$25.001/13/2011 4:11:19 AM
grystndoc$25.001/12/2011 7:37:10 PM
worth-arch$25.001/13/2011 4:13:08 AM
melodious-fairness$29.541/13/2011 4:13:39 AM
generator535$25.001/12/2011 7:31:24 PM
MyPlantsEatBugs$25.001/12/2011 7:39:19 PM
peace-pilot$50.001/12/2011 8:22:27 PM
zoneflip$30.341/12/2011 8:24:09 PM
finance-magma7$50.001/12/2011 8:44:08 PM
slartibardfast$25.001/12/2011 11:56:19 PM
funtimes$25.001/13/2011 12:09:00 AM
EvalCrux$50.001/13/2011 12:34:31 AM
HamletTower$50.001/13/2011 12:34:43 AM
wtrboy$50.001/13/2011 3:08:57 AM
DrStaff$29.681/13/2011 3:27:32 AM
shamil45$25.001/13/2011 3:27:08 AM
108lender$100.001/13/2011 3:29:30 AM
stoopidnoodle$25.001/13/2011 3:39:02 AM
Ven58$50.001/13/2011 3:38:24 AM
CaliforniaSun$25.001/13/2011 3:40:44 AM
Dubbs360$25.001/13/2011 3:52:12 AM
Easystreet$25.001/13/2011 3:40:27 AM
anders94$40.841/13/2011 3:54:38 AM
MakoF16$26.531/13/2011 3:51:21 AM
TeamAmerica$25.001/13/2011 4:07:03 AM
rupee-artisan$25.001/13/2011 4:07:51 AM
visionary-currency$50.001/13/2011 4:11:28 AM
studious-bonus7$100.001/13/2011 4:13:17 AM
GElender$50.001/9/2011 7:45:26 PM
organized-payment6$50.001/9/2011 7:40:28 PM
ianakacg$25.001/9/2011 7:47:22 PM
ichibon$250.001/9/2011 7:47:55 PM
genius520$100.001/9/2011 7:47:57 PM
capital-dynamo0$50.001/9/2011 7:48:47 PM
simplelender80$100.001/9/2011 7:48:54 PM
peso-colonel$50.001/9/2011 7:49:13 PM
handshake5$100.001/9/2011 7:45:23 PM
Binan$25.001/9/2011 7:50:56 PM
indomitable-coin$100.001/9/2011 7:46:49 PM
superb-funds335$25.001/9/2011 7:47:27 PM
blue111$25.001/9/2011 7:56:03 PM
inspire22$50.001/9/2011 7:50:33 PM
1phantom$50.001/9/2011 7:51:09 PM
mulberry4$25.001/10/2011 6:15:09 AM
marketplace-meridian$25.001/9/2011 8:48:49 PM
Jerrys1951$25.001/9/2011 8:26:44 PM
Artist_Blue$25.001/10/2011 6:03:51 AM
honorable-yield$25.001/10/2011 9:00:25 AM
reflective-rupee$33.331/10/2011 9:22:06 AM
JGuide$25.001/10/2011 9:35:20 AM
JGuide$25.001/10/2011 9:38:33 AM
selfmademan$25.001/10/2011 12:22:19 PM
BankofBeth$25.001/10/2011 1:23:53 PM
Hola_James$25.001/10/2011 2:40:16 PM
rockhound84$25.001/10/2011 11:40:57 AM
caseattle$25.001/10/2011 12:28:24 PM
loss-of-control$50.001/10/2011 2:57:47 PM
commerce-yeller$50.001/10/2011 3:21:16 PM
FmrEngr2Phd$25.001/10/2011 1:36:59 PM
DasMula$86.571/10/2011 3:16:11 PM
ethicalhumanist$50.001/10/2011 7:25:18 PM
newest-organic-rupee$25.001/10/2011 9:16:26 PM
capital-star5$27.001/11/2011 6:16:41 AM
well-rounded-dinero$200.001/11/2011 8:19:06 AM
Ocean713$50.001/11/2011 11:49:13 AM
enchanted-note$25.001/11/2011 1:01:04 PM
first-upright-payout$25.001/11/2011 11:39:37 AM
agalt$75.001/11/2011 11:58:59 AM
Gabriel02$25.001/11/2011 12:09:02 PM
five-star-justice$36.001/11/2011 3:14:31 PM
durable-investment8$25.001/11/2011 2:14:25 PM
Calif-smo$25.291/11/2011 5:25:13 PM
hidavehi$25.011/11/2011 4:55:27 PM
well-rounded-dinero$150.001/11/2011 5:15:51 PM
Only_Money$25.001/11/2011 5:24:52 PM
JGuide$25.001/11/2011 5:49:43 PM
lucrative-coin$100.001/11/2011 5:39:41 PM
investment-kazoo$25.001/11/2011 6:38:54 PM
justasoldier$30.001/11/2011 5:59:13 PM
Octamer$25.001/11/2011 5:47:28 PM
rubylender$50.001/11/2011 7:24:19 PM
rockerZ71$25.001/11/2011 7:06:07 PM
ideal-platinum1$50.001/11/2011 10:24:05 PM
skiter53$50.001/11/2011 11:03:44 PM
RLaumeyer$25.001/11/2011 11:47:52 PM
gpuck$50.001/11/2011 7:42:12 PM
CincyTex$50.001/11/2011 9:40:52 PM
capital-star5$25.001/11/2011 9:20:47 PM
thrilling-nickel5$25.001/12/2011 4:45:09 AM
Astounding$25.001/11/2011 11:45:50 PM
worthy-bid8$50.001/12/2011 6:11:17 AM
WonByOne$100.001/12/2011 1:02:29 AM
Gladys9$25.001/12/2011 6:36:02 AM
RecoveryLender$25.001/12/2011 6:52:36 AM
Eastern$25.001/12/2011 3:44:54 AM
roman2008$25.001/12/2011 3:49:10 AM
blue-velocity-investor$25.001/12/2011 4:32:52 AM
cardguy$25.001/12/2011 5:54:01 AM
enthusiastic-balance5$200.001/12/2011 6:08:36 AM
tenny321$25.001/12/2011 6:11:43 AM
treasure-kazoo$50.001/12/2011 6:56:26 AM
phaded$25.001/12/2011 7:06:20 AM
Eaglehigh$25.001/12/2011 8:04:37 AM
Lancasterdust$45.001/12/2011 8:26:13 AM
FinanceEngine$30.001/12/2011 8:43:14 AM
adventurous-treasure2$25.001/12/2011 9:17:52 AM
loyalty-czar$25.001/12/2011 9:12:14 AM
John_Galt$25.001/12/2011 9:12:28 AM
Astyanax$50.001/12/2011 11:54:34 AM
power-secret-agent$25.001/12/2011 12:44:38 PM
foothillender$25.001/12/2011 12:45:35 PM
kind-adventurous-finance$50.001/12/2011 1:28:47 PM
mikeandcat$28.761/12/2011 10:06:43 AM
credit-rocket4$25.001/12/2011 11:17:02 AM
haidoken$50.001/12/2011 11:19:00 AM
LeReve$50.001/12/2011 11:26:54 AM
fireman4$25.001/12/2011 11:55:12 AM
Corellia$50.001/12/2011 12:28:29 PM
robust-payout1$50.001/12/2011 12:39:39 PM
the-charming-integrity$49.631/12/2011 1:34:27 PM
asset-professor$50.001/12/2011 1:11:42 PM
jcatlman$50.001/12/2011 2:20:02 PM
benefit-flow$25.001/12/2011 3:37:45 PM
orange-generous-ore$25.001/12/2011 5:08:43 PM
mdrichards$50.001/12/2011 5:53:44 PM
happyinvallarta$50.001/12/2011 5:53:52 PM
Larry1001$50.001/12/2011 5:58:46 PM
bondhedger$25.001/12/2011 6:59:31 PM
Wart126$25.001/12/2011 4:08:47 PM
steady-investment6$25.001/12/2011 4:32:39 PM
DackoDenk$25.001/12/2011 4:35:00 PM
fareast_man$25.001/12/2011 11:56:46 PM
Gobsek$25.001/12/2011 5:20:11 PM
serene-capital$25.001/13/2011 1:00:41 AM
bid-papyrus$25.001/12/2011 5:53:47 PM
pound-puppy$25.001/12/2011 6:28:47 PM
MoneyForNothing$25.001/13/2011 3:30:44 AM
Rothgoe$25.001/13/2011 3:51:31 AM
pbo922$25.001/13/2011 3:52:07 AM
MissionMicroFinance$25.001/13/2011 3:52:20 AM
upc_tnt$25.001/13/2011 3:52:50 AM
DUDE66$26.621/13/2011 3:53:50 AM
the-silver-blaster$50.001/12/2011 7:08:49 PM
Tradesmanlender$32.301/13/2011 3:55:07 AM
hrubinst$50.001/13/2011 3:56:27 AM
brother_tam$49.411/13/2011 3:56:31 AM
inventive-exchange$25.001/13/2011 4:05:59 AM
scottr$50.001/12/2011 7:23:40 PM
irrelevant$25.001/13/2011 4:09:02 AM
money-bauble$150.001/13/2011 4:13:51 AM
jescowa$50.001/12/2011 7:45:51 PM
gt1687c$50.001/12/2011 7:48:46 PM
kingbutthd$25.001/12/2011 8:44:03 PM
Yaj$50.001/12/2011 11:44:17 PM
rolandweary$25.001/13/2011 12:09:08 AM
yenlowang$25.001/13/2011 1:10:54 AM
isuperwang$69.501/13/2011 1:05:54 AM
frobin$50.001/13/2011 1:10:56 AM
velocity-solo$25.001/13/2011 3:18:56 AM
Interloper$25.001/13/2011 3:28:10 AM
Dazz2061$25.001/13/2011 3:40:24 AM
gametime34$29.141/13/2011 3:39:44 AM
Bank42$32.041/13/2011 3:40:53 AM
Weaverville$25.001/13/2011 3:40:10 AM
flwah$25.001/13/2011 3:56:23 AM
lcole32$25.001/13/2011 3:51:50 AM
PsiPro$25.001/13/2011 3:57:53 AM
ptjg$50.001/13/2011 3:54:50 AM
financial-frenzy$50.001/13/2011 4:06:31 AM
inspiring-reward$116.121/13/2011 4:09:10 AM
TOCPI$25.001/13/2011 4:07:06 AM
responsible-investment0$28.451/13/2011 4:07:42 AM
dinero-speaker$25.001/13/2011 4:09:37 AM
investment-comet$25.001/13/2011 4:12:49 AM
treasure-bliss$50.001/13/2011 4:13:30 AM
271 Investments
 
Borrower Payment Dependent Notes Series 490306
This series of Notes was issued and sold upon the funding of the borrower loan #46648, 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*: 10.80% Listing Start date:  Jan-11-2011 
Term: 36 months Listing End date:  Jan-11-2011 
 
Lender yield: 28.50% Borrower rate/APR: 29.50% / 33.10% Monthly payment: $84.36
 
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): 8 First credit line: Feb-2005 Debt/Income ratio: 9%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $927Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: best-currency-director Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My Bright Future
Purpose of loan:
This loan will be used to help pay credit card bills and spend time with family.

My financial situation:
I am a good candidate for this loan because I work full time at Cisco Systems (through Adecco) and will be able to pay this loan off on time due it part to the budget I have created for this expense.

Monthly net income: $ 3,500

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 50
??Car expenses: $ 0
??Utilities: $ 20
??Phone, cable, internet: $ 50
??Food, entertainment: $ 250
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 800
??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
This borrower has not publicly answered any questions from lenders.
InvestorAmountInvestment Date (PT)
kendallv$25.001/11/2011 9:53:55 AM
honorable-yield$25.001/11/2011 9:54:24 AM
selector568$148.681/11/2011 9:49:27 AM
nilonc1$50.001/11/2011 9:49:43 AM
FinDoc$25.001/11/2011 10:00:06 AM
capital-halo1$500.001/11/2011 9:50:43 AM
musegaze$100.001/11/2011 10:01:15 AM
the-auction-bear$25.001/11/2011 9:51:21 AM
handshake5$100.001/11/2011 10:01:24 AM
Investoman$50.001/11/2011 10:01:33 AM
p1k4blu$25.001/11/2011 9:52:52 AM
point-kitten6$50.001/11/2011 9:54:01 AM
a-finance-nirvana$25.001/11/2011 9:54:35 AM
rss197$25.001/11/2011 9:53:48 AM
zipemdown$50.001/11/2011 9:56:01 AM
gold-channel2$25.001/11/2011 9:56:24 AM
kind-important-liberty9$25.001/11/2011 9:56:31 AM
investment-artist$50.001/11/2011 9:58:10 AM
Abstract$26.591/11/2011 10:02:00 AM
interstellar$50.001/11/2011 9:56:10 AM
EBITDA$25.001/11/2011 9:50:48 AM
simplelender80$100.001/11/2011 9:50:25 AM
ThatDanGuy$50.001/11/2011 9:52:15 AM
JJ9876$25.001/11/2011 9:52:32 AM
genius520$100.001/11/2011 9:51:58 AM
vine99$40.001/11/2011 10:02:10 AM
inspire22$25.001/11/2011 9:53:21 AM
amusement4$50.001/11/2011 9:53:06 AM
momentous-value$25.001/11/2011 9:55:31 AM
radforj22$25.001/11/2011 9:54:47 AM
bid-czar8$50.001/11/2011 9:55:05 AM
greencat$50.001/11/2011 9:57:02 AM
pureliquidhw$25.001/11/2011 9:59:36 AM
DHolly$30.001/11/2011 10:00:01 AM
34 Investments
 
Borrower Payment Dependent Notes Series 490344
This series of Notes was issued and sold upon the funding of the borrower loan #46502, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: AA Listing Duration: 14 days
Partially Funded: no Estimated loss*: 1.30% Listing Start date:  Jan-11-2011 
Term: 36 months Listing End date:  Jan-11-2011 
 
Lender yield: 6.65% Borrower rate/APR: 7.65% / 7.99% Monthly payment: $467.63
 
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: Mar-1992 Debt/Income ratio: 6%
Credit score: 760-779 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:9y 10m
Amount delinquent: $0 Total credit lines: 40 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $483,511Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: opera Borrower's state: Florida Borrower's group: Professors
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: 11 ( 100% ) 760-779 (Latest)
Principal borrowed: $9,000.00< 31 days late: 0 ( 0% )  
800-819 (Feb-2007)
860-879 (Jun-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Loan Consolidation
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
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)
indomitable-coin$100.001/11/2011 3:39:30 PM
Captain88$25.001/11/2011 3:39:51 PM
bmcg$25.001/11/2011 3:40:14 PM
heroic-platinum$25.001/11/2011 3:40:21 PM
kenji4861$50.001/11/2011 3:40:44 PM
bds9646$26.001/11/2011 3:40:50 PM
AmericanCredit$25.001/11/2011 3:41:00 PM
inspired-investment8$100.001/11/2011 3:41:05 PM
undaunted-kindness$100.001/11/2011 3:41:17 PM
degster$25.001/11/2011 3:41:23 PM
Dreamconnection$50.001/11/2011 3:41:29 PM
reinforced-reward$25.001/11/2011 3:41:34 PM
mathprof$25.001/11/2011 3:41:49 PM
balanced-rupee$50.001/11/2011 3:42:00 PM
rss197$25.001/11/2011 3:42:09 PM
robertmm25$50.001/11/2011 3:42:14 PM
goldfinger3$100.001/11/2011 3:42:38 PM
casaram$25.001/11/2011 3:42:45 PM
power-trophy7$50.001/11/2011 3:43:08 PM
tech310$50.001/11/2011 3:43:14 PM
reinforced-marketplace3$250.001/11/2011 3:43:27 PM
bruin558$60.001/11/2011 3:43:39 PM
napoleon1168$50.001/11/2011 3:43:45 PM
token34$25.001/11/2011 3:38:32 PM
ZeoInvestments$25.001/11/2011 3:38:50 PM
FlexFunding$50.001/11/2011 3:39:06 PM
kyomoon$50.001/11/2011 3:39:47 PM
SourDoughSteve$25.001/11/2011 3:40:13 PM
ChicoBob$28.571/11/2011 3:40:17 PM
best-deal-banker$50.001/11/2011 3:40:41 PM
compoundinterest$50.001/11/2011 3:40:46 PM
Curly-Girly$25.001/11/2011 3:38:41 PM
vigilance-revolutionary$50.001/11/2011 3:40:52 PM
b1geasy$25.001/11/2011 3:38:51 PM
important-ore$150.001/11/2011 3:40:59 PM
Slapshot$25.001/11/2011 3:39:11 PM
donloah$25.001/11/2011 3:41:08 PM
acropiloterau2002$25.001/11/2011 3:39:33 PM
Hokie83$50.001/11/2011 3:41:18 PM
rosie777$30.001/11/2011 3:39:49 PM
perlindc$100.001/11/2011 3:41:24 PM
MO_Investor$25.001/11/2011 3:40:01 PM
Ben87$100.001/11/2011 3:58:25 PM
understanding-payout2$50.001/11/2011 3:41:30 PM
diligent-leverage$50.001/11/2011 3:41:42 PM
nomneu$50.001/11/2011 3:41:45 PM
JJ9876$50.001/11/2011 3:41:50 PM
Mark-O-Polo$50.001/11/2011 3:41:54 PM
eloquent-dime416$50.001/11/2011 3:40:47 PM
PK_USMC$25.001/11/2011 3:42:04 PM
flexible-value$50.001/11/2011 3:40:49 PM
honorable-yield$40.001/11/2011 3:42:17 PM
TSC$100.001/11/2011 3:40:56 PM
interest-exec9$25.001/11/2011 3:42:19 PM
yukongin$25.001/11/2011 3:41:10 PM
a-responsible-return$50.001/11/2011 3:42:24 PM
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tuneman1980$25.001/11/2011 4:19:41 PM
gzeo$25.001/11/2011 3:42:44 PM
bowdish1$100.001/11/2011 3:41:27 PM
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molam4u$50.001/11/2011 3:41:40 PM
justice-dna$35.001/11/2011 3:43:03 PM
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kazdag$42.451/11/2011 3:43:35 PM
JKEnterprises$25.001/11/2011 3:41:58 PM
Pickmar$25.001/11/2011 3:42:06 PM
ray1051$75.001/11/2011 3:43:47 PM
syounker$25.001/11/2011 3:42:20 PM
HunterSix$25.001/11/2011 3:43:52 PM
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nimble-money0$50.001/11/2011 3:42:27 PM
ManyBlessings$50.001/11/2011 3:42:32 PM
hawaiiangirl76$25.001/11/2011 3:42:41 PM
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MarinLoans$25.001/11/2011 3:42:59 PM
cebgop$25.001/11/2011 3:43:06 PM
Emgolda$25.001/11/2011 3:43:17 PM
GElender$50.001/11/2011 3:43:23 PM
orange-resolute-platinum$25.001/11/2011 3:43:42 PM
rmachi$25.001/11/2011 4:22:12 PM
helpishere777$50.001/11/2011 3:45:39 PM
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sugarhoof$25.001/11/2011 4:20:16 PM
Sixmil$72.481/11/2011 4:20:22 PM
RoyFauntleroy$50.001/11/2011 4:20:27 PM
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harmonious-moola7$50.001/11/2011 4:55:56 PM
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Trevor_C$25.001/11/2011 4:56:53 PM
roadtruck$50.001/11/2011 4:57:34 PM
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paddatjie$25.001/11/2011 4:58:26 PM
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nicklds$25.001/11/2011 4:59:04 PM
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spenrod$50.001/11/2011 5:01:31 PM
awwaww$25.001/11/2011 4:39:40 PM
Steveoo1$50.001/11/2011 5:01:34 PM
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mchale$50.001/11/2011 4:56:06 PM
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ALANGREANSPAN$50.001/11/2011 4:56:09 PM
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TheOtter62$25.001/11/2011 4:55:51 PM
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Doc23$25.001/11/2011 5:00:49 PM
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Jassi$25.001/11/2011 5:01:37 PM
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Aberdeen$4,000.001/11/2011 3:38:55 PM
Havana21$200.001/11/2011 3:39:42 PM
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conaty$50.001/11/2011 3:40:30 PM
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corndog4000$50.001/11/2011 3:40:51 PM
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smallbizrule$25.001/11/2011 3:41:02 PM
life-is-great$50.001/11/2011 3:39:16 PM
fireboss$50.001/11/2011 3:41:14 PM
Tahoeguy$50.001/11/2011 3:39:45 PM
responsibility-cherry6$50.001/11/2011 3:41:20 PM
blot44$25.001/11/2011 3:39:54 PM
Timchenko_LLC$25.001/11/2011 3:41:26 PM
balance-voyager$50.001/11/2011 3:40:04 PM
DavenportCapital$25.001/11/2011 3:41:36 PM
justalender$25.001/11/2011 3:41:44 PM
community-pipeline$25.001/11/2011 3:41:48 PM
DadWarbucks$60.001/11/2011 4:08:57 PM
CorMDNY$25.001/11/2011 3:41:51 PM
adhawan325$25.001/11/2011 3:40:42 PM
Schuld66$50.001/11/2011 3:42:02 PM
swiftsoul$25.001/11/2011 3:40:48 PM
ronkr$25.001/11/2011 3:42:12 PM
astute-investment5$25.001/11/2011 3:40:55 PM
flypenguin$50.001/11/2011 3:42:18 PM
innocent-income4$25.001/11/2011 3:41:09 PM
organized-payment6$50.001/11/2011 3:42:21 PM
bold-treasure-neutrino$50.001/11/2011 3:41:16 PM
building_community$25.001/11/2011 3:42:39 PM
outtahoth2o$50.001/11/2011 3:41:21 PM
reward-motion$50.001/11/2011 4:19:51 PM
CBO-Enterprise$100.001/11/2011 3:42:48 PM
DukSerduk$25.001/11/2011 3:42:56 PM
emt747$25.001/11/2011 3:41:47 PM
meux99$25.001/11/2011 3:43:22 PM
meenan$100.001/11/2011 3:41:56 PM
NycDean$25.001/11/2011 3:43:37 PM
E_G$50.001/11/2011 3:42:07 PM
DonaldColorado$100.001/11/2011 3:43:50 PM
shamrocker$25.001/11/2011 3:42:22 PM
ultimatepaintball$25.001/11/2011 4:20:39 PM
Centaur$50.001/11/2011 3:42:26 PM
restless-currency$41.011/11/2011 3:42:30 PM
Phantom99$100.001/11/2011 3:42:36 PM
Bank_Of_XL$25.001/11/2011 3:42:44 PM
skuba$50.001/11/2011 3:42:50 PM
Marathoner$25.001/11/2011 3:43:05 PM
authoritative-truth$50.001/11/2011 3:43:12 PM
tekkie2412$50.001/11/2011 3:43:19 PM
SB94114$50.001/11/2011 3:43:29 PM
lender987654321$25.001/11/2011 3:43:48 PM
TEAM-Jasper$25.001/11/2011 4:22:06 PM
julijask$25.001/11/2011 4:22:18 PM
myworld701$25.001/11/2011 3:45:26 PM
NYCLAIMSGUY$25.001/11/2011 3:45:51 PM
red-unequivocal-finance$25.001/11/2011 3:46:03 PM
tolerant-dinero2$25.001/11/2011 4:26:11 PM
Artist_Blue$25.001/11/2011 4:09:21 PM
FJerry$75.001/11/2011 4:40:37 PM
wwwUniversal$25.001/11/2011 4:41:35 PM
turbostar666$35.001/11/2011 4:41:40 PM
schnippy$25.001/11/2011 4:19:24 PM
logical-reward8$25.001/11/2011 4:19:48 PM
KarmaBum77$25.001/11/2011 4:20:03 PM
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Green_Bean$25.001/11/2011 4:56:33 PM
JaceSpade$25.001/11/2011 4:57:29 PM
tenacious-payout$25.001/11/2011 4:58:21 PM
Digs$25.001/11/2011 4:58:34 PM
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market-socrates4$50.001/11/2011 5:00:45 PM
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DesiKuber$25.001/11/2011 4:55:29 PM
asset-pilot$50.001/11/2011 4:55:35 PM
diversification-medalist$25.001/11/2011 4:55:49 PM
Mookouw$25.001/11/2011 4:55:54 PM
repaintandrepair$25.001/11/2011 4:56:08 PM
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Warwick$50.001/11/2011 4:55:52 PM
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nickel-liberator$50.001/11/2011 4:55:59 PM
akshil13$50.001/11/2011 4:56:59 PM
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neenerman$25.001/11/2011 4:58:17 PM
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WilliamLeeSims$25.001/11/2011 4:58:50 PM
BlindProphet$50.001/11/2011 4:58:32 PM
jam96$25.001/11/2011 4:59:38 PM
jasperpants$25.001/11/2011 4:59:30 PM
latestone$25.001/11/2011 5:00:37 PM
cleared2land$25.001/11/2011 5:00:42 PM
economy-orchid$50.001/11/2011 5:01:12 PM
power-expert$25.001/11/2011 5:01:26 PM
Quiz18$25.001/11/2011 5:01:53 PM
goldie414$50.001/11/2011 5:01:45 PM
275 Investments
 
Borrower Payment Dependent Notes Series 490366
This series of Notes was issued and sold upon the funding of the borrower loan #46654, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Partially Funded: no Estimated loss*: 10.80% Listing Start date:  Jan-12-2011 
Term: 36 months Listing End date:  Jan-13-2011 
 
Lender yield: 28.50% Borrower rate/APR: 29.50% / 33.10% Monthly payment: $316.34
 
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): 8 First credit line: Sep-1991 Debt/Income ratio: 15%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 21 Occupation: Social Worker
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,726Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: No  
Screen name: best-payment-ace Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying creditors
Purpose of loan:
This loan will be used to pay off some of my creditors so that I have?reduced monthly payments and more usable income.
My financial situation:
I am a good candidate for this loan because I have had a steady and secure job for 6+ years. I have made major strides in improving my credit history and maintaing an on time payment schedule.?

Monthly net income: $ 5300.00

Monthly expenses: $
??Housing: $ 2000.00
??Insurance: $ 100.00????
??Car expenses: $660.00 (includin gas & maintenance)
??Utilities: $?250.00
??Phone, cable, internet: $?150.00?
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 300.00
??Credit cards and other loans: $ 260.00
??Other expenses: $ 300.00
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)
Kash2010lu$50.001/12/2011 9:25:16 AM
Investoman$100.001/12/2011 9:25:35 AM
JJ9876$25.001/12/2011 9:28:34 AM
AspiringJunzi$25.001/12/2011 9:30:43 AM
intuitive-camaraderi9$25.001/12/2011 9:32:41 AM
Maximum_Investment$32.781/12/2011 10:00:24 AM
musegaze$50.001/12/2011 9:25:22 AM
handshake5$100.001/12/2011 9:25:31 AM
inspire22$25.001/12/2011 9:29:00 AM
Mrgiggleswic$50.001/12/2011 11:07:46 AM
honorable-yield$25.001/12/2011 9:29:34 AM
ThatDanGuy$50.001/12/2011 9:28:29 AM
payment-gusto$25.001/12/2011 9:30:35 AM
Bob450$25.001/12/2011 9:31:22 AM
minddoc$25.001/12/2011 9:31:34 AM
loanman2007$75.001/12/2011 12:00:17 PM
contract-giant$25.001/12/2011 9:31:54 AM
transformer855$100.001/12/2011 12:16:04 PM
roberto42$46.001/12/2011 12:31:09 PM
DasMula$25.001/12/2011 9:35:56 AM
worthy-bid8$50.001/12/2011 9:31:47 AM
kendallv$25.001/12/2011 9:31:51 AM
2grindstones$25.001/12/2011 9:46:28 AM
first-liberty-duckling$30.001/12/2011 9:47:40 AM
kind-efficient-credit$25.001/12/2011 9:32:01 AM
kind-adventurous-finance$50.001/12/2011 1:28:54 PM
greencat$50.001/12/2011 10:22:01 AM
amlu1988$25.001/12/2011 2:23:31 PM
consummate-loyalty1$50.001/12/2011 10:58:48 AM
brightest-dignified-penny$25.001/12/2011 10:23:52 AM
open-minded-market99$50.001/12/2011 10:51:36 AM
Abstract$48.971/12/2011 11:11:47 AM
hektek22$600.001/12/2011 11:34:48 AM
credit-sycamore4$100.001/12/2011 12:46:30 PM
engaging-leverage823$50.001/12/2011 12:07:06 PM
reflective-rupee$33.331/12/2011 1:11:07 PM
Banker7371$25.001/12/2011 12:23:52 PM
druidpoet$27.001/12/2011 12:39:58 PM
favorite-commerce$25.001/12/2011 2:07:40 PM
favorite-commerce$25.001/12/2011 2:12:19 PM
credit-elation1$25.001/12/2011 5:30:32 PM
Ray3486$25.001/12/2011 5:34:26 PM
Magog12$25.001/12/2011 6:04:35 PM
elegant-capital$25.001/12/2011 7:03:56 PM
generator535$25.001/12/2011 7:31:38 PM
justasoldier$30.001/12/2011 4:45:10 PM
acfreema$25.001/12/2011 11:48:54 PM
cunning-bill$25.001/12/2011 5:11:19 PM
debtcollector$50.001/13/2011 12:09:39 AM
Leshan$25.001/12/2011 5:22:12 PM
gs92126$25.001/12/2011 5:28:50 PM
fortytwo$50.001/13/2011 3:29:42 AM
willinvest$25.001/12/2011 6:23:50 PM
be_wise$25.001/12/2011 6:29:12 PM
gulch$25.001/12/2011 6:28:55 PM
Smallbear$25.001/13/2011 4:12:04 AM
witty-openness$25.001/13/2011 5:18:06 AM
spiff666$25.001/12/2011 8:23:28 PM
HamletTower$25.001/13/2011 12:34:56 AM
vivixmedia$25.001/13/2011 1:19:58 AM
extraordinary-transaction$25.001/13/2011 7:51:01 AM
velocity-solo$25.001/13/2011 5:37:39 AM
gelt4u$25.001/13/2011 5:53:27 AM
glroark$50.001/13/2011 6:35:31 AM
circustab$50.001/13/2011 6:45:03 AM
direct-liberty819$50.001/13/2011 7:32:14 AM
special-money$40.601/13/2011 6:58:02 AM
Scotcha$50.001/13/2011 7:07:27 AM
genuine-dime$100.001/13/2011 7:52:38 AM
worthy-bid4$50.001/13/2011 7:22:21 AM
omegamon1$28.001/13/2011 8:10:55 AM
tender-transaction$50.001/13/2011 7:38:58 AM
Row2010$25.001/13/2011 7:40:27 AM
leverage-monger$25.001/13/2011 7:52:25 AM
shomikaci$25.001/13/2011 9:03:20 AM
Tulalue$25.001/13/2011 9:30:43 AM
kdkennedy$35.001/13/2011 10:17:52 AM
newest-inspiring-power$25.001/13/2011 10:25:38 AM
samdog079$100.001/13/2011 10:27:20 AM
the-auction-bear$25.001/12/2011 9:25:58 AM
magnifico932$25.001/12/2011 9:26:46 AM
capital-halo1$500.001/12/2011 9:27:42 AM
point-kitten6$50.001/12/2011 9:29:19 AM
DHolly$30.001/12/2011 9:30:48 AM
first-upright-payout$25.001/12/2011 9:32:11 AM
leverage-hawk$25.001/12/2011 9:32:26 AM
robocop$50.001/12/2011 9:36:39 AM
EBITDA$25.001/12/2011 9:27:51 AM
amusement4$50.001/12/2011 9:26:04 AM
selector568$63.611/12/2011 9:26:22 AM
LBOregon$25.001/12/2011 10:43:58 AM
genius520$100.001/12/2011 9:28:23 AM
sophisticated-economy2$40.001/12/2011 9:26:56 AM
simplelender80$100.001/12/2011 9:27:34 AM
rss197$25.001/12/2011 9:29:15 AM
zipemdown$50.001/12/2011 9:30:04 AM
Ocean713$50.001/12/2011 9:30:16 AM
bid-czar8$50.001/12/2011 9:29:50 AM
Astyanax$50.001/12/2011 11:59:09 AM
Aunca$50.001/12/2011 9:30:26 AM
thankful-nickel2$25.001/12/2011 12:13:56 PM
porkhelmet$25.001/12/2011 9:31:01 AM
THE-ROI-Strategist$25.001/12/2011 12:36:57 PM
planetibet$50.001/12/2011 12:44:40 PM
investment-artist$25.001/12/2011 9:47:20 AM
thorough-yield1$50.001/12/2011 1:33:02 PM
shrewd-income$25.001/12/2011 2:41:40 PM
well-mannered-income3$30.001/12/2011 2:52:59 PM
Speculator$50.001/12/2011 10:31:17 AM
mpatrick$25.001/12/2011 10:13:14 AM
Banker_Joe$25.001/12/2011 10:55:01 AM
Mr-Miracle$25.001/12/2011 11:06:54 AM
CoffeeKing$89.651/12/2011 10:45:21 AM
FundMaker$25.001/12/2011 11:16:22 AM
foothillender$25.001/12/2011 12:39:49 PM
logical-investment4$26.781/12/2011 12:45:22 PM
draggon77$25.001/12/2011 1:09:39 PM
mmeyer_jr$30.001/12/2011 2:27:58 PM
SolarMoonshine$25.001/12/2011 4:52:24 PM
loaner-dude$100.001/12/2011 5:46:33 PM
smart-finance773$50.001/12/2011 5:56:24 PM
SFBank$200.001/12/2011 6:25:06 PM
whartonmba$25.001/12/2011 6:46:51 PM
ozzie$25.001/12/2011 4:17:02 PM
ah-long$25.001/13/2011 12:10:10 AM
thorough-exchange4$50.001/12/2011 6:35:57 PM
FinDoc$25.001/13/2011 3:53:36 AM
kulender$50.001/13/2011 3:54:30 AM
supreme-hope$25.001/12/2011 6:51:33 PM
jescowa$50.001/12/2011 7:49:08 PM
dcap3$25.001/13/2011 5:51:07 AM
fareast_man$25.001/12/2011 11:57:15 PM
integrity-liberator$50.001/13/2011 6:16:25 AM
vigorous-velocity$50.001/13/2011 6:29:36 AM
uncleegg$50.001/13/2011 7:54:36 AM
Chex$250.001/13/2011 8:24:12 AM
What-goes-around-comes-around$50.001/13/2011 4:49:50 AM
MapleLaker$27.591/13/2011 9:53:52 AM
fund-secret-agent$25.001/13/2011 5:27:04 AM
ingenious-truth0$50.001/13/2011 7:14:26 AM
Mrgiggleswic$52.901/13/2011 7:38:59 AM
PCity-LOA15$35.001/13/2011 7:01:36 AM
PatRichi$25.001/13/2011 7:37:38 AM
Frosty$35.001/13/2011 8:45:48 AM
on_your_side$25.001/13/2011 8:49:11 AM
RyanM561$25.001/13/2011 7:44:13 AM
ElAbel11$25.001/13/2011 9:18:53 AM
fairness-atmosphere$25.001/13/2011 9:44:11 AM
RecoveryLender$25.001/13/2011 9:32:50 AM
Doug1043$25.001/13/2011 9:36:47 AM
truth-ceremony$25.001/13/2011 9:36:52 AM
revenue-spa8$25.001/13/2011 9:59:45 AM
mindful-exchange2$34.611/13/2011 10:08:13 AM
frogperson$250.001/13/2011 10:10:27 AM
restless-dime$25.001/13/2011 10:18:44 AM
155 Investments
 
Borrower Payment Dependent Notes Series 490378
This series of Notes was issued and sold upon the funding of the borrower loan #46511, 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*: 5.95% Listing Start date:  Jan-12-2011 
Term: 36 months Listing End date:  Jan-14-2011 
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 17.07% Monthly payment: $519.25
 
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: Aug-2000 Debt/Income ratio: 40%
Credit score: 740-759 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 42 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,351Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: aggresive-moola9 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
Grad Student, Mom and Professional!
Purpose of loan:
This loan will be used to pay off my high interest credit card.? With the decline of the housing market, re-financing the house was not an option to finance my education.? We lost $114,000 in value since 2008.? Releasing me from the worries of credit card pain will give me the next steps to advance my future and my familys future.

My financial situation:
I am a good candidate for this loan because I have had an amazing credit history, no late payments, and I will be graduating with my Masters Degree from the University of Central Florida this upcoming year.? I also have an amazing position with the University of Central Florida in Higher Education.? I am considered a State Employee in Public Service and have a secure employment future.?

Monthly net income: $? 38152 (Personal), Husband $47,000

Monthly expenses: $
??Housing: $ 1187.00
??Insurance: $ 140.00
??Car expenses: $?0
??Utilities: $ 300
??Phone, cable, internet: $ 200
??Food, entertainment: $ 50
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 700
??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: 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: My Mortgage as of 1/12/2010 today is $146,158.02 County Property Appraised Market Value of home is $125,469. Hope this is helpful. We purchased our home in 2006 for $239,000. (Jan-12-2011)
Q: I'm assuming where you listed your monthly net income you actually meant yearly. Let me know if this is correct. - mauge35
A: Yes, you are correct. I wanted to make sure my investors know that our income is secure. (Jan-14-2011)
2 question & answer
Information in Questions and Answers is not verified
InvestorAmountInvestment Date (PT)
enthralling-deal180$50.001/12/2011 9:25:43 AM
tech310$50.001/12/2011 9:27:30 AM
rss197$25.001/12/2011 9:29:05 AM
ursus$100.001/12/2011 9:30:11 AM
impeccable-transparency$50.001/12/2011 9:31:42 AM
treasure-kazoo$50.001/12/2011 9:32:19 AM
nickel-alien$50.001/12/2011 9:34:18 AM
commerce-yeller$50.001/12/2011 9:26:15 AM
skuba$75.001/12/2011 9:28:09 AM
jdl424$52.021/12/2011 10:50:17 AM
peso-colonel$50.001/12/2011 9:28:54 AM
indomitable-coin$100.001/12/2011 9:28:03 AM
bowdish1$50.001/12/2011 9:28:18 AM
LeReve$50.001/12/2011 11:27:03 AM
five-star-justice$36.001/12/2011 9:30:34 AM
1phantom$50.001/12/2011 9:29:13 AM
skiter53$50.001/12/2011 9:31:20 AM
american6$100.001/12/2011 11:54:10 AM
first-upright-payout$25.001/12/2011 9:32:10 AM
worthy-bid8$50.001/12/2011 9:32:00 AM
first-serene-credit$25.001/12/2011 2:23:34 PM
well-mannered-income3$25.001/12/2011 2:55:50 PM
bhaus5$25.001/12/2011 3:45:05 PM
generator535$25.001/12/2011 7:31:34 PM
slartibardfast$25.001/12/2011 11:56:42 PM
ToweringDan$75.001/13/2011 12:15:00 AM
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scottr$50.001/12/2011 7:23:54 PM
jescowa$50.001/12/2011 7:46:03 PM
dcap3$25.001/13/2011 5:51:01 AM
rolandweary$25.001/13/2011 12:09:22 AM
invest-in-ed$100.001/13/2011 6:42:28 AM
downtownfarm$25.001/13/2011 6:54:18 AM
velocity-solo$25.001/13/2011 3:19:03 AM
monroemoney$25.001/13/2011 3:37:54 AM
jdrez$25.001/13/2011 3:37:58 AM
ryreesado$25.001/13/2011 3:41:48 AM
beaker$25.001/13/2011 8:47:08 AM
conceptpi$50.001/13/2011 8:50:21 AM
miket71$34.241/13/2011 4:08:58 AM
SimpleChoice$25.001/13/2011 4:13:27 AM
thrilling-nickel5$25.001/13/2011 4:26:49 AM
TigerForce$25.001/13/2011 5:45:55 AM
bdloans$25.001/13/2011 6:09:49 AM
GElender$50.001/13/2011 6:29:12 AM
PatRichi$25.001/13/2011 7:39:31 AM
Breken6$25.001/13/2011 8:09:31 AM
SanJoser$25.001/13/2011 9:19:32 AM
reinforced-funds4$25.001/13/2011 9:37:19 AM
euro-deployment$25.001/13/2011 10:01:46 AM
fiddlerzvi$50.001/13/2011 10:20:50 AM
industrious-dedication$25.001/13/2011 2:34:02 PM
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fund-tom-tom6$25.001/13/2011 11:40:14 AM
listing-trapper3$75.001/13/2011 3:05:28 PM
georgedorn$25.001/13/2011 11:10:51 AM
vigilance-revolutionary$50.001/13/2011 12:34:51 PM
ijspence$25.001/13/2011 2:12:25 PM
AlfinityBank25$25.001/13/2011 12:50:07 PM
merriewold$40.001/13/2011 1:58:02 PM
bold-steady-peso$50.001/13/2011 4:19:56 PM
djmjkelso$25.001/13/2011 4:58:54 PM
rate-gravity$50.001/13/2011 4:04:33 PM
Leshan$25.001/13/2011 4:14:43 PM
sarisai$50.001/13/2011 4:55:41 PM
maldok1$25.001/13/2011 7:14:14 PM
mpatrick$25.001/13/2011 7:21:32 PM
fund-fox4$50.001/13/2011 9:34:09 PM
kevin314$50.001/13/2011 10:50:09 PM
bhelgarath$25.001/14/2011 3:05:38 AM
rockhound84$25.001/14/2011 4:35:22 AM
nickel-position$25.001/14/2011 4:38:17 AM
Imaginos1892$50.001/13/2011 8:45:41 PM
Rob717171$50.001/13/2011 9:00:37 PM
ROCKI9$50.001/14/2011 7:11:30 AM
Barak$100.001/14/2011 7:11:53 AM
Eastern$50.001/14/2011 7:11:57 AM
money-bauble$150.001/14/2011 7:12:24 AM
dajen1$50.001/14/2011 7:21:04 AM
NYBIZ$25.001/13/2011 7:22:41 PM
community-saver158$50.001/13/2011 7:24:26 PM
Ven58$28.651/14/2011 1:05:25 AM
heerzaquestion$25.001/14/2011 9:04:29 AM
rogue_monster$50.001/14/2011 9:30:19 AM
ss2020$30.001/14/2011 9:34:08 AM
Jimmiert1148$25.001/14/2011 9:35:50 AM
basis-communicator$125.001/13/2011 10:56:09 PM
lean-investment$25.001/14/2011 9:49:35 AM
teejay411$100.001/14/2011 9:54:06 AM
MrMoney0622$25.001/14/2011 9:59:35 AM
ingenious-interest1$250.001/14/2011 12:59:04 AM
jazzlender$25.001/14/2011 1:41:20 AM
powerful-finance7$25.001/14/2011 7:11:33 AM
building_community$25.001/14/2011 7:11:39 AM
platinum-genetics$25.001/14/2011 7:11:48 AM
linklady$50.001/14/2011 4:20:19 AM
loanman2007$75.001/14/2011 5:19:02 AM
holstj$50.001/14/2011 6:02:27 AM
MoxiePop$51.001/14/2011 8:39:05 AM
gallant-bazaar$50.001/14/2011 6:55:30 AM
Havnfun$25.001/14/2011 7:01:51 AM
responsibility-cherry6$50.001/14/2011 7:11:31 AM
nycfinance$25.001/14/2011 9:34:35 AM
panther757$25.001/14/2011 7:11:45 AM
yennib$50.001/14/2011 9:34:41 AM
homestarrunner$50.001/14/2011 9:34:58 AM
friendly-market5$25.001/14/2011 7:40:02 AM
buddy486$25.001/14/2011 7:52:29 AM
imlosttoo$25.001/14/2011 9:35:44 AM
Tradesmanlender$35.001/14/2011 9:36:55 AM
6moonbeams$50.001/14/2011 9:04:37 AM
rdav$25.001/14/2011 9:34:21 AM
LendingP2P$100.001/14/2011 9:36:15 AM
innocent-loot$50.001/14/2011 9:54:09 AM
WealthBuildingLessons$50.001/14/2011 11:16:40 AM
the-bid-sorcerer$50.001/14/2011 11:34:09 AM
bill-expert$100.001/14/2011 11:48:08 AM
gentle-payout7$40.001/14/2011 10:35:09 AM
mazzano$25.001/14/2011 1:02:44 PM
TribecaFunding$50.001/14/2011 10:39:49 AM
schnarff$25.001/14/2011 10:53:52 AM
balance-force$28.001/14/2011 1:53:59 PM
twsems$100.001/14/2011 2:02:38 PM
lagnisiruk$25.001/14/2011 10:39:30 AM
divedude$25.001/14/2011 10:48:49 AM
respectful-integrity3$25.001/14/2011 10:52:55 AM
cosmof16$25.001/14/2011 10:54:45 AM
fortytwo$125.871/14/2011 11:04:08 AM
OldColumbiaRoad$25.001/14/2011 11:26:30 AM
steely_dan34$25.001/14/2011 12:20:19 PM
Toastmaster007$25.001/14/2011 12:35:54 PM
Watersports$25.001/14/2011 12:39:01 PM
upbeat-fund$25.001/14/2011 11:59:40 AM
MC_$50.001/14/2011 12:49:23 PM
UCSBGAUCHOS$25.001/14/2011 1:10:13 PM
Havana21$134.601/14/2011 12:47:51 PM
dollardave$61.811/14/2011 1:35:11 PM
dingus$25.001/14/2011 12:48:35 PM
productive-finance$25.001/14/2011 12:51:41 PM
swm$25.001/14/2011 1:02:46 PM
Winsten$25.001/14/2011 2:38:09 PM
silktea$50.001/14/2011 3:28:12 PM
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dilbert17$50.001/14/2011 3:54:24 PM
raiderj$25.001/14/2011 3:54:35 PM
cupcake9$25.001/14/2011 2:38:06 PM
shrewd-credit7$50.001/14/2011 3:54:55 PM
brandilton$25.001/14/2011 3:55:16 PM
kind-responsible-affluence$25.001/14/2011 2:42:32 PM
Moneypenny6$25.001/14/2011 3:55:45 PM
MarcusOcean$25.001/14/2011 3:55:55 PM
innocent-income4$25.001/14/2011 3:56:05 PM
ms48105$25.001/14/2011 2:54:48 PM
flexible-and-social$50.001/14/2011 3:18:06 PM
compatible-diversification$50.001/14/2011 3:19:24 PM
irrelevant$25.001/14/2011 3:24:25 PM
Divr555$50.001/14/2011 3:54:26 PM
rose88$50.001/14/2011 3:54:46 PM
UncleSteve3000$25.001/14/2011 3:54:52 PM
littlemonkey$25.001/14/2011 3:54:58 PM
payout-banker4$25.001/14/2011 3:24:53 PM
investment-comet$25.001/14/2011 3:55:15 PM
rangers94$25.001/14/2011 3:55:18 PM
kbodendorf$40.301/14/2011 3:55:32 PM
LongTail$25.001/14/2011 3:55:44 PM
credit-superstar3$25.001/14/2011 3:28:03 PM
bigphish$25.001/14/2011 3:55:53 PM
williemc44$25.001/14/2011 3:54:25 PM
Sefotonga$25.001/14/2011 3:54:41 PM
cberthiaume$25.001/14/2011 3:54:51 PM
superpuppy$50.001/14/2011 3:54:54 PM
hons2000$25.001/14/2011 3:54:59 PM
likeable-leverage5$250.001/14/2011 3:55:17 PM
caesark$25.001/14/2011 3:55:31 PM
investment-star$50.001/14/2011 3:56:20 PM
restless-currency$41.011/14/2011 3:56:39 PM
ichibon$250.001/12/2011 9:26:45 AM
handshake5$100.001/12/2011 9:27:01 AM
a-responsible-return$25.001/12/2011 9:27:06 AM
simplelender80$100.001/12/2011 9:28:47 AM
ray1051$25.001/12/2011 9:30:02 AM
museic1$50.001/12/2011 9:31:37 AM
atlantic51$25.001/12/2011 9:32:23 AM
adventurous-cash$25.001/12/2011 9:25:14 AM
nilonc1$50.001/12/2011 9:25:53 AM
inspire22$50.001/12/2011 9:26:10 AM
genius520$100.001/12/2011 9:28:22 AM
selector568$200.001/12/2011 9:26:53 AM
power-trophy7$25.001/12/2011 9:28:59 AM
amusement4$200.001/12/2011 11:40:11 AM
honorable-yield$25.001/12/2011 9:29:31 AM
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finance_mba$25.001/12/2011 9:30:24 AM
mosby$50.001/12/2011 9:31:28 AM
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asset-professor$50.001/12/2011 1:11:32 PM
xcap$25.001/12/2011 9:33:50 AM
investment-artist$50.001/12/2011 9:49:53 AM
RecoveryLender$25.001/12/2011 10:45:15 AM
bewitching-asset3$25.001/12/2011 3:37:37 PM
orange-generous-ore$25.001/12/2011 5:08:54 PM
the-silver-blaster$50.001/12/2011 7:08:56 PM
Bank_Of_XL$50.001/12/2011 7:25:21 PM
reinforced-revenue069$25.001/12/2011 5:22:01 PM
gs92126$50.001/12/2011 5:28:47 PM
kind-important-liberty9$25.001/13/2011 2:10:32 AM
happyinvallarta$50.001/12/2011 5:54:05 PM
Prosp_Lender$41.551/13/2011 3:51:46 AM
Panna$25.001/13/2011 4:07:29 AM
elegant-capital$25.001/12/2011 7:12:18 PM
gt1687c$50.001/12/2011 7:49:03 PM
akakii$50.001/13/2011 4:44:26 AM
grystndoc$25.001/12/2011 7:37:46 PM
finance-magma7$50.001/12/2011 8:44:18 PM
fareast_man$25.001/12/2011 11:57:05 PM
debtcollector$50.001/13/2011 12:09:40 AM
pinballeffect$50.001/13/2011 6:28:32 AM
EvalCrux$50.001/13/2011 12:34:40 AM
dignified-finance$50.001/13/2011 6:34:38 AM
LendingSingularity$50.001/13/2011 12:38:52 AM
JeffHoll$25.001/13/2011 6:47:24 AM
skeebuzz$80.001/13/2011 6:55:20 AM
objective-investor$150.001/13/2011 7:24:25 AM
toomanyfishtanks$25.001/13/2011 7:31:39 AM
JGB$67.791/13/2011 4:06:40 AM
mars2024$54.131/13/2011 9:49:12 AM
potatoepicker$50.001/13/2011 5:51:20 AM
Artist_Blue$25.001/13/2011 6:04:07 AM
billyisafob$50.001/13/2011 6:59:22 AM
Scotcha$50.001/13/2011 7:09:11 AM
RedBlack$50.001/13/2011 8:28:52 AM
cathexis$25.001/13/2011 8:35:31 AM
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justinology$50.001/13/2011 9:46:36 AM
revenue-spa8$25.001/13/2011 10:08:12 AM
mlbox3k$50.001/13/2011 11:24:17 AM
thorough-exchange4$30.001/13/2011 2:26:50 PM
Purple11$25.001/13/2011 2:34:04 PM
fenpark15$25.001/13/2011 2:03:53 PM
msh345$25.001/13/2011 3:21:12 PM
smallbizrule$25.001/13/2011 2:44:20 PM
peripatetic$25.001/13/2011 3:24:51 PM
wise-deal-panda$50.001/13/2011 3:34:19 PM
moola-pillow$50.001/13/2011 4:23:30 PM
langdonx$50.001/13/2011 5:09:27 PM
Sol_Invictus$25.001/13/2011 4:41:41 PM
Savings_EQ_Dignity$30.301/13/2011 11:24:43 PM
treasure-bliss$50.001/14/2011 1:43:26 AM
DaveG56313$25.001/14/2011 6:25:58 AM
chameleon125$25.001/14/2011 6:41:15 AM
orgy63$50.001/14/2011 7:11:42 AM
investment-tempo$44.071/14/2011 7:11:55 AM
coin-bee1$25.001/14/2011 7:25:34 AM
elfincove$50.001/14/2011 8:17:06 AM
mauge35$25.001/14/2011 8:50:21 AM
kulender$50.001/14/2011 1:23:30 AM
Goodlender42$25.001/13/2011 10:17:12 PM
otto1939$50.001/14/2011 9:35:16 AM
hanuman77$47.271/14/2011 9:35:37 AM
helpinghand63$25.001/14/2011 9:36:01 AM
TeamAmerica$25.001/14/2011 9:36:19 AM
PocketAces$47.661/13/2011 10:45:48 PM
worklessmakemore$50.001/14/2011 9:42:28 AM
encouraging-cash4$25.001/13/2011 11:06:20 PM
the-enterprising-leverage$25.001/14/2011 9:59:15 AM
108lender$43.561/14/2011 12:53:52 AM
intuitive-hope9$25.001/14/2011 6:29:11 AM
tender-integrity3$58.301/14/2011 7:11:29 AM
SiebirdLending$25.001/14/2011 7:11:36 AM
hopeful-truth5$100.001/14/2011 7:11:46 AM
ASR3$35.001/14/2011 7:11:50 AM
banker4hire$26.371/14/2011 9:02:24 AM
WonByOne$50.001/14/2011 6:22:35 AM
pythia$25.001/14/2011 6:51:22 AM
Streetfighter$50.001/14/2011 6:59:40 AM
scottssm$50.001/14/2011 9:10:10 AM
revenue-achievement$25.001/14/2011 7:11:44 AM
EtaDuck$25.001/14/2011 9:34:45 AM
love_what_you_do$25.001/14/2011 8:04:27 AM
ethicalhumanist$50.001/14/2011 9:04:20 AM
ingenious-diversification$25.001/14/2011 9:34:39 AM
Sixmil$45.061/14/2011 9:35:53 AM
lostontheedge$25.001/14/2011 9:36:35 AM
valiant-liberty4$25.001/14/2011 9:38:13 AM
broosky2$53.751/14/2011 9:49:59 AM
pragmatic-camaraderi$25.001/14/2011 10:34:08 AM
bicyclebear$50.001/14/2011 10:34:16 AM
songbird98$50.001/14/2011 10:34:33 AM
chief_wo$25.001/14/2011 10:36:17 AM
asset-expert0$25.001/14/2011 10:48:03 AM
ConcreteOne$35.001/14/2011 11:15:16 AM
Heather11$40.001/14/2011 10:21:12 AM
Macinvest$25.001/14/2011 12:29:26 PM
HibbyD$28.401/14/2011 12:46:27 PM
hebergee$25.001/14/2011 10:26:49 AM
ultimatepaintball$25.001/14/2011 12:48:59 PM
laughmotel$25.001/14/2011 10:35:49 AM
burger283$27.761/14/2011 10:48:57 AM
payout-paladin0$50.001/14/2011 1:56:31 PM
greenfuzz$50.001/14/2011 11:04:19 AM
econdoc$25.001/14/2011 11:07:21 AM
wise-blazing-currency$26.201/14/2011 2:42:17 PM
usaUmp$75.001/14/2011 2:45:26 PM
gustavzantanon$50.001/14/2011 2:51:09 PM
exact-point$25.001/14/2011 10:36:55 AM
jakesworld$50.001/14/2011 10:39:06 AM
money-surge1$25.001/14/2011 11:49:18 AM
active-wealth3$25.001/14/2011 10:53:36 AM
Ripsaw4U$50.001/14/2011 11:59:32 AM
TicTac$25.001/14/2011 11:03:49 AM
poppinkid$25.001/14/2011 12:44:54 PM
wonderful-dime$25.001/14/2011 2:11:01 PM
dafrstke$25.561/14/2011 1:02:35 PM
noble-marketplace$31.001/14/2011 2:44:26 PM
nashibaksi$25.001/14/2011 2:58:19 PM
market-worker$50.001/14/2011 1:47:49 PM
euro-marble$50.001/14/2011 3:28:07 PM
haryassman$25.001/14/2011 2:00:58 PM
vikings23$25.001/14/2011 2:11:13 PM
soheagle$25.001/14/2011 2:25:57 PM
GatorsFan$50.001/14/2011 3:54:09 PM
orbital-velocity7$50.001/14/2011 3:54:28 PM
bonus-zone$25.001/14/2011 3:54:47 PM
downbet$50.001/14/2011 2:39:11 PM
asya$25.001/14/2011 2:39:22 PM
dunox$25.001/14/2011 3:55:19 PM
rbrown15$50.001/14/2011 2:43:52 PM
aasx1108$25.001/14/2011 3:55:30 PM
astute-investment5$25.001/14/2011 3:55:49 PM
currency-agave$25.001/14/2011 3:55:57 PM
thestartuplender$34.461/14/2011 3:56:31 PM
Badsland$50.001/14/2011 3:54:22 PM
saschar$25.001/14/2011 3:54:27 PM
oracle3$50.001/14/2011 3:54:44 PM
stollcm$25.001/14/2011 3:54:49 PM
bountiful-durability$100.001/14/2011 3:54:55 PM
und-alum$50.001/14/2011 3:55:15 PM
andyb9$32.401/14/2011 3:55:22 PM
puifais$50.001/14/2011 3:55:41 PM
fairness-cell6$25.001/14/2011 3:33:53 PM
chris-heretoinvest$25.001/14/2011 3:56:36 PM
Ragnar$50.001/14/2011 3:54:39 PM
Raaveness$50.001/14/2011 3:54:48 PM
bonus-genius$25.001/14/2011 3:54:51 PM
ciscoparrot$25.001/14/2011 3:54:56 PM
InvestorPartners$25.001/14/2011 3:55:13 PM
gold-channel2$50.001/14/2011 3:55:21 PM
understanding-affluence5$25.001/14/2011 3:55:46 PM
jonn834$25.001/14/2011 3:56:12 PM
the-transaction-stronghold$25.001/14/2011 3:56:33 PM
352 Investments
 
Borrower Payment Dependent Notes Series 490436
This series of Notes was issued and sold upon the funding of the borrower loan #46599, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $14,000.00 Prosper Rating: B Listing Duration: 14 days
Partially Funded: no Estimated loss*: 5.95% Listing Start date:  Jan-11-2011 
Term: 36 months Listing End date:  Jan-14-2011 
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 17.07% Monthly payment: $484.63
 
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-1999 Debt/Income ratio: 28%
Credit score: 780-799 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 33 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,531Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: first-ultimate-camaraderi 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
Down-payment on a house
Purpose of loan:
This loan will be used towards the down-payment on a house.? My wife and I have been saving for some time and we have a significant amount of cash tucked away, however, due to some financial surprises, we had to dip into those funds to settle some liabilities.? The requested amount is essentially the difference we need for our down-payment.?

My financial situation:
I am a good candidate for this loan because I will pay every month on time and without fail.? Additionally, my personal financial position will be significantly improved starting this July 2011, as I will be finishing my training and have already secured a position as an attending physician.? You will be helping me provide comfortable living for my family, and for that end, I will repay you as per the stipulations of this contract.

Monthly net income: $ 6,400? -including my wife (after taxes)

Monthly expenses: $ 4,200
??Housing: $ 1550
??Insurance: $ 235
??Car expenses: $ 200?
??Utilities: $ 225
??Phone, cable, internet: $ 290
??Food, entertainment: $ 400
??Clothing, household expenses $ 350
??Credit cards and other loans: $?550
??Other expenses: $ 450
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)
indomitable-coin$100.001/11/2011 9:51:07 AM
peso-colonel$50.001/11/2011 9:53:02 AM
commerce-yeller$25.001/11/2011 9:53:15 AM
tech310$50.001/11/2011 9:50:18 AM
nilonc1$50.001/11/2011 9:49:45 AM
bowdish1$50.001/11/2011 9:51:34 AM
selector568$200.001/11/2011 10:01:07 AM
simplelender80$100.001/11/2011 9:52:47 AM
rss197$25.001/11/2011 9:53:36 AM
enthralling-deal180$50.001/11/2011 10:01:50 AM
DasMula$37.841/11/2011 10:06:18 AM
radforj22$25.001/11/2011 11:33:47 AM
thankful-nickel2$25.001/11/2011 10:19:24 AM
Erikdbp$25.001/11/2011 11:43:43 AM
finance_mba$25.001/11/2011 2:19:00 PM
five-star-justice$36.001/11/2011 3:14:41 PM
lounges$50.001/11/2011 3:23:52 PM
SimpleChoice$25.001/11/2011 1:50:22 PM
reflective-rupee$99.991/11/2011 1:26:02 PM
loss-of-control$100.001/11/2011 2:25:00 PM
zone6$35.901/11/2011 1:54:09 PM
msh345$25.001/11/2011 1:57:44 PM
integrity-doctor$100.001/11/2011 3:01:57 PM
zorg77$25.001/11/2011 3:33:31 PM
cash-queen$25.001/11/2011 5:15:32 PM
lucrative-coin$200.001/11/2011 5:35:10 PM
justasoldier$30.001/11/2011 6:49:13 PM
investment-kazoo$25.001/11/2011 6:41:03 PM
WiscoInvestments$25.001/11/2011 7:17:51 PM
rockhound84$25.001/11/2011 7:52:41 PM
green-moola-sniffer$50.001/12/2011 12:50:32 AM
AK49-JW$25.001/11/2011 8:24:01 PM
ryreesado$25.001/11/2011 8:27:02 PM
priceless-money6$50.001/12/2011 3:23:58 AM
LenderRob07$200.001/11/2011 10:58:41 PM
skiter53$50.001/11/2011 11:03:48 PM
GeorgiaGator$50.001/12/2011 5:23:36 AM
mosby$50.001/12/2011 2:28:57 AM
museic1$50.001/12/2011 3:22:29 AM
earlybird172961$55.251/12/2011 7:30:25 AM
impeccable-transparency$50.001/12/2011 5:21:21 AM
bazaar-winner$50.001/12/2011 8:14:01 AM
mystss$50.001/12/2011 6:57:39 AM
Nitronian$50.001/12/2011 7:16:49 AM
Rivermaverick$25.001/12/2011 8:02:51 AM
chrisb1414$25.001/12/2011 7:59:51 AM
ladderskibum$25.001/12/2011 8:22:51 AM
Niffler$80.441/12/2011 10:28:29 AM
Shamrock731$50.921/12/2011 10:46:04 AM
loanman2007$100.001/12/2011 11:58:18 AM
robust-payout1$50.001/12/2011 12:39:41 PM
foothillender$25.001/12/2011 12:43:41 PM
Purple11$50.001/12/2011 10:19:15 AM
transformer855$100.001/12/2011 12:03:31 PM
Mostyle$25.001/12/2011 5:51:45 PM
happyinvallarta$50.001/12/2011 5:54:00 PM
scottr$50.001/12/2011 7:23:50 PM
DolCaps$25.001/12/2011 4:43:56 PM
orange-generous-ore$25.001/12/2011 5:08:50 PM
rolandweary$25.001/13/2011 12:09:15 AM
Lou-Holtz$25.001/12/2011 7:03:10 PM
generator535$25.001/12/2011 7:31:31 PM
gt1687c$50.001/12/2011 7:48:58 PM
VBPlayer$30.001/13/2011 6:31:22 AM
Scotcha$50.001/13/2011 7:02:52 AM
point-mastery$54.001/13/2011 2:24:33 AM
velocity-solo$25.001/13/2011 3:19:00 AM
wtrboy$50.001/13/2011 3:09:02 AM
benefit-catalyst$100.001/13/2011 7:28:53 AM
BAEVentures$25.001/13/2011 7:58:33 AM
Alexpaths$50.001/13/2011 8:50:28 AM
inforapenny$25.351/13/2011 4:10:04 AM
kirklandrealtor$25.001/13/2011 9:54:10 AM
triumph329$25.001/13/2011 5:39:41 AM
JeffHoll$50.001/13/2011 6:49:08 AM
downtownfarm$25.001/13/2011 6:54:14 AM
toomanyfishtanks$25.001/13/2011 7:17:46 AM
dignified-finance$50.001/13/2011 6:34:35 AM
Row2010$25.001/13/2011 7:29:46 AM
radiant-integrity$500.001/13/2011 9:08:51 AM
ookete$50.001/13/2011 7:54:54 AM
mentornetwork$25.001/13/2011 8:32:06 AM
black-plague$100.001/13/2011 9:47:56 AM
bold-worth-vinyl$50.001/13/2011 9:37:31 AM
revenue-spa8$50.001/13/2011 10:21:24 AM
gain-mountain1$75.001/13/2011 10:31:02 AM
life-is-great$50.001/13/2011 10:59:32 AM
virtuous-bill1$50.001/13/2011 11:15:27 AM
mlbox3k$50.001/13/2011 11:24:11 AM
exadius71$25.001/13/2011 12:20:37 PM
AceInTheHole$25.001/13/2011 1:19:10 PM
harmonious-yield$25.001/13/2011 11:04:35 AM
fenpark15$25.001/13/2011 1:58:23 PM
sc5$50.001/13/2011 11:34:07 AM
georgedorn$25.001/13/2011 11:07:50 AM
himanshuko$35.001/13/2011 2:07:43 PM
ijspence$25.001/13/2011 2:12:22 PM
blissful-exchange4$26.691/13/2011 2:30:18 PM
smallbizrule$25.001/13/2011 2:44:19 PM
AlfinityBank25$25.001/13/2011 12:41:03 PM
benefit-position$25.001/13/2011 3:12:48 PM
wise-deal-panda$50.001/13/2011 3:34:17 PM
jazzlender$50.001/13/2011 4:03:31 PM
listing-trapper3$75.001/13/2011 3:05:27 PM
usd1027$25.001/13/2011 3:08:54 PM
moola-pillow$50.001/13/2011 4:31:31 PM
peripatetic$25.001/13/2011 3:24:49 PM
wwwUniversal$25.001/13/2011 5:07:15 PM
langdonx$50.001/13/2011 5:09:26 PM
payout-detective7$25.731/13/2011 5:30:53 PM
malcolmreynolds$25.001/13/2011 5:57:10 PM
Gobsek$25.001/13/2011 6:40:35 PM
TheGameTable$25.001/13/2011 6:49:33 PM
icon7$25.001/13/2011 4:23:23 PM
vutah$25.001/13/2011 4:26:31 PM
zztopdog$25.241/13/2011 4:44:50 PM
order-ruler$125.001/13/2011 5:13:36 PM
Loan-Mart$100.001/13/2011 6:26:06 PM
treasure-bliss$38.971/13/2011 6:40:34 PM
upbeat-investment9$100.001/13/2011 5:03:02 PM
money-bauble$25.001/13/2011 6:43:40 PM
community-saver158$50.001/13/2011 7:24:25 PM
RLC$37.521/13/2011 9:00:29 PM
deal-promiser$25.001/13/2011 9:17:43 PM
pmj453$25.001/13/2011 9:42:24 PM
kevin314$50.001/13/2011 10:50:07 PM
intuitive-transparency3$35.001/14/2011 12:54:08 AM
market-jam$29.021/14/2011 1:37:56 AM
nalaari$25.001/14/2011 1:38:47 AM
satisfying-deal5$40.761/14/2011 1:58:32 AM
dinero-speaker$25.001/14/2011 2:00:12 AM
loot-heart$25.001/14/2011 2:02:25 AM
productive-principal7$25.001/13/2011 7:01:38 PM
ArmyGuy$25.001/13/2011 7:11:00 PM
maldok1$25.001/13/2011 7:14:11 PM
dano1965$50.001/13/2011 7:14:53 PM
ASuperJohn$210.001/13/2011 8:05:28 PM
earlj20$50.001/13/2011 7:17:25 PM
Savings_EQ_Dignity$50.001/13/2011 11:24:40 PM
fund-fox4$50.001/13/2011 9:29:47 PM
F16Edwards$25.001/13/2011 10:25:31 PM
elegant-loot$25.001/14/2011 1:59:04 AM
PocketAces$50.001/13/2011 10:45:45 PM
encouraging-cash4$25.001/13/2011 11:09:28 PM
bhelgarath$25.001/14/2011 3:05:27 AM
romario$25.001/14/2011 1:03:39 AM
the-bright-velocity$25.001/14/2011 1:42:32 AM
ingenious-interest1$100.001/14/2011 1:49:30 AM
skuba$75.001/11/2011 9:51:17 AM
ichibon$250.001/11/2011 9:51:39 AM
power-trophy7$25.001/11/2011 9:53:12 AM
1phantom$50.001/11/2011 9:53:44 AM
honorable-yield$25.001/11/2011 9:54:18 AM
organized-payment6$50.001/11/2011 9:54:38 AM
handshake5$100.001/11/2011 9:49:34 AM
adventurous-cash$25.001/11/2011 9:55:36 AM
a-responsible-return$50.001/11/2011 9:50:22 AM
one-midas$50.001/11/2011 9:58:05 AM
DasMula$37.841/11/2011 9:59:39 AM
genius520$100.001/11/2011 9:51:52 AM
kindness-tonic$55.001/11/2011 9:52:52 AM
inspire22$50.001/11/2011 9:53:30 AM
ursus$100.001/11/2011 10:19:04 AM
ray1051$25.001/11/2011 9:55:50 AM
hopeful-truth5$200.001/11/2011 10:53:57 AM
persistent-value3$45.721/11/2011 11:27:11 AM
JustMee$25.001/11/2011 12:01:43 PM
cpbreton$25.001/11/2011 12:38:27 PM
blue-useful-auction$25.001/11/2011 12:54:56 PM
Sol_Invictus$25.001/11/2011 1:57:16 PM
felicity-loyalist0$25.001/11/2011 2:50:55 PM
platinum-sorcerer6$28.221/11/2011 3:27:13 PM
Dutchhunter$50.001/11/2011 3:34:17 PM
Artist_Blue$25.001/11/2011 3:28:27 PM
SolarMoonshine$50.001/11/2011 4:00:54 PM
leverage-oasis$25.001/11/2011 6:07:58 PM
wanna-help$50.001/11/2011 6:33:15 PM
agalt$100.001/11/2011 6:21:03 PM
first-upright-payout$25.001/11/2011 6:23:07 PM
ptjg$50.001/11/2011 6:30:53 PM
reward-dynamo$25.001/11/2011 7:19:45 PM
Kennfusion$100.001/11/2011 7:41:53 PM
industrious-dedication$25.001/11/2011 10:16:05 PM
brightest-fascinating-principal$75.001/11/2011 11:01:12 PM
spqrxxi$25.001/12/2011 6:41:57 AM
GElender$50.001/12/2011 3:44:39 AM
Teaja$200.001/12/2011 7:25:48 AM
first-serene-credit$25.001/12/2011 8:10:03 AM
Riccous$400.921/12/2011 8:56:49 AM
worthy-bid8$50.001/12/2011 6:11:24 AM
tenny321$25.001/12/2011 6:11:50 AM
treasure-kazoo$50.001/12/2011 6:56:35 AM
atlantic51$25.001/12/2011 7:24:30 AM
engaging-worth$25.001/12/2011 7:26:04 AM
adventurous-treasure2$50.001/12/2011 9:11:34 AM
amusement4$100.001/12/2011 11:35:00 AM
UnclePockets$50.001/12/2011 9:45:00 AM
Gamblor$125.001/12/2011 11:23:14 AM
LeReve$50.001/12/2011 11:26:59 AM
american6$100.001/12/2011 11:54:05 AM
asset-professor$50.001/12/2011 1:11:36 PM
ams294$75.001/12/2011 1:54:14 PM
Hola_James$34.421/12/2011 2:12:40 PM
Lendomatic$27.941/12/2011 6:06:47 PM
thorough-exchange4$50.001/12/2011 6:35:54 PM
jescowa$50.001/12/2011 7:45:59 PM
finance-magma7$50.001/12/2011 8:44:14 PM
gs92126$50.001/12/2011 5:28:44 PM
EvalCrux$50.001/13/2011 12:34:35 AM
be_wise$25.001/12/2011 6:29:00 PM
econgineer$25.001/12/2011 6:29:19 PM
the-silver-blaster$50.001/12/2011 7:08:53 PM
Crysalith$77.301/12/2011 8:56:13 PM
slartibardfast$25.001/12/2011 11:56:35 PM
potatoepicker$50.001/13/2011 5:51:16 AM
fareast_man$25.001/12/2011 11:56:53 PM
kind-important-liberty9$25.001/13/2011 2:10:23 AM
objective-investor$150.001/13/2011 7:24:21 AM
cathexis$25.001/13/2011 8:35:26 AM
conceptpi$50.001/13/2011 8:50:18 AM
junomich$50.001/13/2011 4:36:58 AM
MacAtk$75.001/13/2011 5:37:49 AM
dcap3$25.001/13/2011 5:50:57 AM
pksfunds$50.001/13/2011 6:14:47 AM
bdloans$25.001/13/2011 6:09:46 AM
economy-popcorn$25.001/13/2011 7:06:19 AM
Preferred-Lender$25.001/13/2011 7:22:48 AM
PatRichi$25.001/13/2011 7:39:27 AM
beaker$25.001/13/2011 8:47:03 AM
dynrep$25.001/13/2011 9:17:46 AM
Bothus$50.001/13/2011 10:12:25 AM
SanJoser$25.001/13/2011 9:19:29 AM
justinology$50.001/13/2011 9:48:14 AM
fiddlerzvi$50.001/13/2011 10:20:47 AM
Auburnmist$25.001/13/2011 1:16:57 PM
sbsahm$50.001/13/2011 10:20:41 AM
donkey$25.001/13/2011 3:19:08 PM
market-cocktail$25.001/13/2011 2:01:00 PM
vigilance-revolutionary$50.001/13/2011 12:34:48 PM
108lender$50.001/13/2011 3:19:41 PM
merriewold$40.001/13/2011 1:57:58 PM
NYBIZ$25.001/13/2011 4:45:27 PM
sarisai$50.001/13/2011 4:55:38 PM
msh345$25.001/13/2011 3:21:50 PM
6moonbeams$50.001/13/2011 3:41:36 PM
bold-steady-peso$50.001/13/2011 4:19:55 PM
direct-yield$25.001/13/2011 3:54:42 PM
northphoto$25.001/13/2011 5:22:33 PM
rate-gravity$50.001/13/2011 4:04:30 PM
help4u$50.001/13/2011 4:05:34 PM
Strato$25.021/13/2011 4:06:07 PM
vine99$75.001/13/2011 7:27:01 PM
CACO_Lender$25.001/13/2011 5:50:44 PM
jasonj72$25.001/13/2011 8:24:04 PM
KirosPOS$27.441/13/2011 9:24:04 PM
Bean4672$100.001/13/2011 9:53:10 PM
kulender$50.001/14/2011 1:23:26 AM
saraven01$26.791/14/2011 2:54:41 AM
CPA-Banker$50.001/13/2011 7:06:14 PM
bearden3$100.001/13/2011 7:08:54 PM
Imaginos1892$50.001/13/2011 8:41:47 PM
a-balance-surgeon$50.001/13/2011 8:48:48 PM
autonomous-basis$25.001/13/2011 11:45:25 PM
HoyaHeel$25.001/13/2011 7:44:17 PM
Cory79$25.001/13/2011 8:05:34 PM
transparency-point$50.001/14/2011 12:54:05 AM
engbusres$37.001/13/2011 8:26:33 PM
Brown98$25.001/13/2011 8:34:26 PM
Rob717171$50.001/13/2011 9:00:35 PM
funds-kingdom$30.001/13/2011 9:24:51 PM
brother_tam$50.001/14/2011 1:24:26 AM
Goodlender42$25.001/13/2011 10:17:10 PM
valiant-liberty4$25.001/14/2011 1:59:33 AM
studious-bonus7$55.701/14/2011 2:02:30 AM
new0rleans$25.001/14/2011 3:03:22 AM
Leopoldine$25.001/14/2011 1:24:19 AM
NorthwestInvestor$50.001/14/2011 2:35:55 AM
sc-pjb11$30.801/14/2011 3:04:12 AM
278 Investments
 
Borrower Payment Dependent Notes Series 490644
This series of Notes was issued and sold upon the funding of the borrower loan #46596, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Partially Funded: no Estimated loss*: 14.20% Listing Start date:  Jan-14-2011 
Term: 36 months Listing End date:  Jan-14-2011 
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 15.37%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1970 Debt/Income ratio: Not calculated
Credit score: 680-699 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:17y 2m
Amount delinquent: $0 Total credit lines: 23 Occupation: Principal
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $49Stated income:$25,000-$49,999
Delinquencies in last 7y: 24 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: rrb4657 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
Operating Capital Needed
Purpose of loan:
This loan will be used to?
fund operating capital as new projects are coming on board.? New projects expected to sign within next 60 days is anticipated to be in excess of $100,000.
My financial situation:
I am a good candidate for this loan because?
I have been operating this business for over 17 years and have survived one of the worst recession in the industry.? Company is well respected in the industry.? Traditionally this is the slow period of time (Dec - Jan) for my type of business and I need additional capital to carry my company into the peak season.
Monthly net income: $ 50000

Monthly expenses: $
??Housing: $ 619
??Insurance: $
??Car expenses: $?800
??Utilities: $ 400
??Phone, cable, internet: $ 300
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $30000
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)
Comoparklender$50.001/14/2011 3:00:36 PM
loyalist1$50.001/14/2011 3:01:31 PM
Investoman$100.001/14/2011 3:06:15 PM
first-upright-payout$25.001/14/2011 3:07:10 PM
maldok1$25.001/14/2011 3:09:14 PM
kendallv$25.001/14/2011 3:10:54 PM
AMSlife$50.001/14/2011 3:11:00 PM
JPMorrisLegacyFund$100.001/14/2011 2:59:28 PM
the-auction-bear$25.001/14/2011 3:06:18 PM
amusement4$100.001/14/2011 3:06:20 PM
genius520$100.001/14/2011 3:06:35 PM
ThatDanGuy$50.001/14/2011 3:06:44 PM
truth-ceremony$25.001/14/2011 3:08:45 PM
lagnisiruk$25.001/14/2011 3:10:22 PM
108lender$150.001/14/2011 3:10:35 PM
worthy-bid8$50.001/14/2011 3:07:04 PM
Bob450$25.001/14/2011 3:10:57 PM
zipemdown$50.001/14/2011 3:27:44 PM
lloyd_s$25.001/14/2011 3:58:17 PM
orange-preeminant-bill$36.011/14/2011 4:57:33 PM
income-vault6$25.001/14/2011 5:04:36 PM
navstox$25.001/14/2011 5:05:25 PM
miamibeachloaner$25.001/14/2011 5:06:12 PM
6moonbeams$50.001/14/2011 5:08:02 PM
JUDAHiNVESTMENTGROUP$50.001/14/2011 5:22:19 PM
bold-meteoric-justice$50.001/14/2011 5:34:08 PM
trade-goblin9$25.001/14/2011 6:44:54 PM
InvestorPartners$25.001/14/2011 4:48:48 PM
kulender$50.001/14/2011 4:54:03 PM
Rdodson11$25.001/14/2011 4:55:44 PM
supreme-hope$25.001/14/2011 5:01:10 PM
bold-treasure-neutrino$30.001/14/2011 4:54:06 PM
puifais$50.001/14/2011 5:04:22 PM
Sven79$50.001/14/2011 4:55:54 PM
money-bauble$100.001/14/2011 4:55:59 PM
MilitaryLending$25.001/14/2011 4:56:02 PM
silver-enlightenment0$100.001/14/2011 5:06:41 PM
soulful-truth$50.001/14/2011 5:08:46 PM
indomitable-dedication$25.001/14/2011 5:04:19 PM
credit-wheel7$25.001/14/2011 5:04:34 PM
Bio-physicist$25.001/14/2011 5:04:53 PM
kginatl$50.001/14/2011 5:06:10 PM
graceful-investment$100.001/14/2011 5:06:18 PM
gold-commander0$50.001/14/2011 5:08:06 PM
social-conductor4$25.001/14/2011 5:14:30 PM
Wellman$50.001/14/2011 5:20:58 PM
note-mover9$25.001/14/2011 6:34:26 PM
auction-seeker$25.001/14/2011 6:40:28 PM
dedicated-transaction796$50.001/14/2011 5:34:50 PM
hopeful-truth5$100.001/14/2011 5:36:20 PM
ommcd$25.001/14/2011 5:36:32 PM
capital-deployment$25.001/14/2011 7:21:38 PM
buzzybee$50.001/14/2011 7:47:37 PM
realtormoises$25.001/14/2011 8:02:38 PM
impala6464$100.001/14/2011 8:12:06 PM
Skokdog23$44.561/14/2011 7:09:49 PM
capital-halo1$500.001/14/2011 3:06:24 PM
MoonMama$25.001/14/2011 3:10:40 PM
lending-bear$50.001/14/2011 3:28:00 PM
velocity-solo$25.001/14/2011 3:00:53 PM
credit-sycamore4$100.001/14/2011 3:01:33 PM
musegaze$100.001/14/2011 3:01:22 PM
EBITDA$25.001/14/2011 3:06:27 PM
honorable-yield$25.001/14/2011 3:06:53 PM
AdrianWapcaplet$50.001/14/2011 4:05:42 PM
vigorous-velocity$50.001/14/2011 3:08:24 PM
handshake5$100.001/14/2011 3:06:09 PM
riveting-credit5$300.001/14/2011 4:44:47 PM
greencat$50.001/14/2011 3:16:32 PM
Rob717171$50.001/14/2011 3:09:22 PM
Aunca$50.001/14/2011 3:27:45 PM
patriot897$25.001/14/2011 4:55:56 PM
seisen$100.001/14/2011 5:06:43 PM
djalan$32.711/14/2011 4:03:25 PM
play_ultimate$25.001/14/2011 5:08:36 PM
supersarah61$25.001/14/2011 5:08:54 PM
Lam0nt$25.001/14/2011 5:33:53 PM
ASR3$50.001/14/2011 5:36:18 PM
kwan$25.001/14/2011 5:51:11 PM
wise-deal-panda$50.001/14/2011 5:54:06 PM
benefit-pro$25.001/14/2011 6:06:05 PM
heroic-benefit$200.001/14/2011 6:59:33 PM
MoneyForNothing$10.711/14/2011 8:12:18 PM
jamiee73$25.001/14/2011 4:54:08 PM
scrappy-diversification7$1,500.001/14/2011 4:54:12 PM
restless-currency$25.001/14/2011 4:55:52 PM
jazzlender$25.001/14/2011 4:53:22 PM
fillholdingsllc$25.001/14/2011 5:02:37 PM
compsciman$98.911/14/2011 5:04:19 PM
shmb6508$50.001/14/2011 4:55:50 PM
astute-investment5$25.001/14/2011 4:55:55 PM
mercuriant$25.001/14/2011 5:06:21 PM
inspiring-reward$100.001/14/2011 5:08:00 PM
diplomatic-wealth7$25.001/14/2011 4:57:47 PM
DDHMoney$25.001/14/2011 5:33:55 PM
Kash2010lu$35.001/14/2011 5:34:07 PM
income-sage9$25.001/14/2011 5:04:15 PM
washboard1$25.001/14/2011 5:34:39 PM
life-is-great$50.001/14/2011 5:04:21 PM
jo2y$25.001/14/2011 5:04:45 PM
cash-raccoon$25.001/14/2011 5:05:26 PM
new-social-economist$60.001/14/2011 5:06:04 PM
CA-Lender$25.001/14/2011 5:06:24 PM
KMSB$50.001/14/2011 5:06:37 PM
Tikibarman$50.001/14/2011 5:06:40 PM
fortytwo$50.001/14/2011 5:08:30 PM
a-successful-credit$100.001/14/2011 5:08:48 PM
superb-bonus0$27.101/14/2011 6:30:22 PM
dudebrah$25.001/14/2011 6:34:49 PM
platinum-oath0$25.001/14/2011 5:33:54 PM
J-Rott$50.001/14/2011 5:34:33 PM
money-yeller$25.001/14/2011 5:34:36 PM
cilynx$25.001/14/2011 7:34:17 PM
zippy-interest$25.001/14/2011 7:41:20 PM
mighty-payout1$25.001/14/2011 8:12:00 PM
social-workhorse$25.001/14/2011 7:02:30 PM
116 Investments
 
Borrower Payment Dependent Notes Series 491066
This series of Notes was issued and sold upon the funding of the borrower loan #46587, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,500.00 Prosper Rating: E Listing Duration: 14 days
Partially Funded: no Estimated loss*: 14.20% Listing Start date:  Jan-18-2011 
Term: 36 months Listing End date:  Jan-18-2011 
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $239.52
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 15.37%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1991 Debt/Income ratio: 68%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 25 / 24Length of status:16y 5m
Amount delinquent: $0 Total credit lines: 40 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $33,976Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: No  
Screen name: mongoose9 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,500.00< 31 days late: 0 ( 0% )  
660-679 (Jan-2010)
 
Principal balance: $4,377.05 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
My 2nd Propser Loan
Purpose of loan:
This loan will be used to pay off my existing Prosper?loan and pay off my Capital One card's balance of $1500.

My financial situation:
I am a good candidate for this loan because I am an existing Prosper borrower. I have made 10 on-time payments to my current loan. I have a good job as a teacher. I've had the same position for 17 years. My car loan is the half of the revolving credit balance that I owe. I will have it paid?off in two more years. We have a 34 acre farm & home. We've worked very hard to pay it off. The above shows that we have no home ownership, maybe because we do not have a home loan.

Monthly net income: $ 5500, which includes husbands' salary.

$ 2000?Total???
340 Car Payment??????????
100 Phone????
400 Groceries?????????
410 Dell & Capital One?????????
250 Utilities?????????
500 Insurance
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 your husband's occupation? Thanks - RecoveryLender
A: He is an industrial plumber at an ammunition plant. He has been at his job for 22 years. (Jan-18-2011)
1 question & answer
Information in Questions and Answers is not verified
InvestorAmountInvestment Date (PT)
Kash2010lu$53.001/18/2011 10:29:49 AM
investment-artist$25.001/18/2011 10:29:59 AM
velocity-solo$25.001/18/2011 10:31:53 AM
Investoman$100.001/18/2011 10:32:54 AM
genius520$100.001/18/2011 10:33:30 AM
brightest-dignified-penny$25.001/18/2011 10:33:48 AM
J-Rott$50.001/18/2011 10:36:23 AM
DasMula$140.631/18/2011 10:36:25 AM
dpries123$25.001/18/2011 10:50:19 AM
droopie1$25.001/18/2011 10:58:06 AM
RecoveryLender$25.001/18/2011 12:17:16 PM
PunjabBank$259.251/18/2011 12:24:34 PM
Bcs-cnc$25.001/18/2011 12:32:22 PM
CalCollegeFund19$25.001/18/2011 1:59:12 PM
SFBank$200.001/18/2011 10:30:14 AM
EBITDA$25.001/18/2011 10:33:18 AM
MoneyForNothing$25.001/18/2011 10:35:07 AM
ElAbel11$25.001/18/2011 10:35:14 AM
travels536$50.001/18/2011 10:53:19 AM
LeverageLender$25.001/18/2011 10:28:46 AM
WAREAGLE127$100.001/18/2011 11:16:01 AM
Phatt-Daddy$50.001/18/2011 12:19:19 PM
nickel-hickory$50.001/18/2011 12:49:20 PM
nickel-hickory$50.001/18/2011 12:50:51 PM
capital-halo1$500.001/18/2011 10:33:09 AM
realtormoises$25.001/18/2011 1:22:20 PM
Green-Baron$25.001/18/2011 2:10:16 PM
dynamic-capital$25.001/18/2011 10:36:03 AM
wise-rupee-sanctuary$50.001/18/2011 10:38:17 AM
113121$250.001/18/2011 11:41:53 AM
NekHoldings$25.001/18/2011 11:55:06 AM
glroark$200.001/18/2011 12:11:46 PM
nickel-hickory$50.001/18/2011 12:51:11 PM
justasoldier$40.001/18/2011 1:31:39 PM
Kselr$102.991/18/2011 1:50:52 PM
social-heart$50.001/18/2011 1:55:30 PM
scamps$25.001/18/2011 2:23:29 PM
MoneyForNothing$3.351/18/2011 2:27:21 PM
nickel-hickory$50.001/18/2011 10:30:02 AM
investment-artist$50.001/18/2011 10:32:24 AM
vigorous-velocity$50.001/18/2011 10:34:05 AM
gain-gourd$50.001/18/2011 10:36:35 AM
credit-sycamore4$100.001/18/2011 10:36:47 AM
Jack55304$100.001/18/2011 10:37:53 AM
nilonc1$100.001/18/2011 10:44:20 AM
prodigy525$25.001/18/2011 10:48:07 AM
Bob450$25.001/18/2011 11:10:49 AM
horse-gal$50.001/18/2011 12:51:11 PM
Frosty$50.001/18/2011 1:31:04 PM
one-midas$25.001/18/2011 10:30:24 AM
debtcollector$50.001/18/2011 10:31:38 AM
liberty-magnate$25.001/18/2011 11:12:20 AM
mickeyroi$25.001/18/2011 12:09:12 PM
nickel-hickory$50.001/18/2011 12:49:54 PM
nickel-hickory$50.001/18/2011 12:51:03 PM
nickel-hickory$200.001/18/2011 12:54:21 PM
loss-of-control$150.001/18/2011 1:49:45 PM
Wellman$50.001/18/2011 10:34:51 AM
ingenious-deal6$25.001/18/2011 10:35:25 AM
impartial-deal$25.001/18/2011 10:37:10 AM
greencat$50.001/18/2011 10:37:58 AM
reflective-rupee$1,000.771/18/2011 10:44:33 AM
Astyanax$75.001/18/2011 11:36:45 AM
jordanicolas$25.001/18/2011 12:08:27 PM
nickel-hickory$50.001/18/2011 12:49:29 PM
nickel-hickory$50.001/18/2011 12:50:01 PM
gluon$25.001/18/2011 1:46:12 PM
Mr-Miracle$25.011/18/2011 2:12:09 PM
68 Investments