Listing Report:Supplement No. 75 dated Oct 14, 2009 to Prospectus dated Jul 13, 2009
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Listing Report supplements the prospectus dated Jul 13, 2009 and provides information about each loan request (referred to as a "listing") and series of Borrower Payment Dependent Notes (the "Notes") we are currently offering. Prospective investors should read this Listing Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
The following series of Notes are currently being offered:
Borrower Payment Dependent Notes Series 427323
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $219.94
 
Auction yield range: 17.27% - 18.00% Estimated loss impact: 19.00%  
Lender servicing fee: 1.00% Estimated return: -1.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 5 First credit line: Jan-1995 Debt/Income ratio: 23%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 38Length of status:2y 7m
Amount delinquent: $1,787 Revolving credit balance: $32,675 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 77%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: wonderful-peso Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to?get rid of some credit card debt that the rates have been raised up on. I know even paying above and beyond he minimum payments will get me no where?????????

My financial situation:
I am a good candidate for this loan because?i have a great job with great income. I have?been?in the same line of work for 15 years and have consistently made great money. I have always paid my bills and will continue to do so. By doing this loan, it gives me a light at the end of the tunnel. ?

Monthly net income: $ 7500????

Monthly expenses: $
??Housing: $ 1749????
??Insurance: $?within house payment
??Car expenses: $ 635 fr 2 car payments
??Utilities: $ 175
??Phone, cable, internet: $ 120
??Food, entertainment: $ 500
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 1000????
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 427529
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,100.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $95.00
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 2 First credit line: Feb-1989 Debt/Income ratio: Not calculated
Credit score: 660-680 (Oct-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 36Length of status:2y 7m
Amount delinquent: $19,421 Revolving credit balance: $8,281 Occupation: Other
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 98%Stated income:$75,000-$99,999
Delinquencies in last 7y: 18 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: Eeshabala 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
Car is dying
Purpose of loan:
This loan will be used to purchase a "new to me" car off of Craigslist. I just need basic transportation, $2000 or less will work fine for me. I also plan to pay off the loan significantly faster than normal to help improve my credit score.

My financial situation:
I am a good candidate for this loan because I have a steady job, my ex-wife just left me with a lot of bills to pay, so I couldn't even leverage my 1989 Volvo Wagon into a decent new car under cash for clunkers.

Monthly net income: $
3500
Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 232/semi annual
??Car expenses: $ depends on what it needs to keep it running
??Utilities: $ 250
??Phone, cable, internet: $ 150
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 350
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 427729
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 14.27% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 6 First credit line: Mar-1985 Debt/Income ratio: 10%
Credit score: 640-660 (Sep-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 10Length of status:4y 1m
Amount delinquent: $0 Revolving credit balance: $15,063 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 4 Bankcard utilization: 64%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: Budget_Done_1_Yr_Ahead Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 100% ) 640-660 (Latest)
Principal borrowed: $3,775.00< mo. late: 0 ( 0% )  
600-620 (May-2007)
580-600 (Apr-2007)
580-600 (Mar-2007)
580-600 (Feb-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 27  
Description
Business: REHAB 16 Aparments

THE PRIOR LOAN WITH PROSPER HAS BEEN PAID IN FULL AND WAS ALWAYS IN GOOD STANDING!!? VERY HAPPY INVESTORS!!

Purpose of loan:
This loan will be used to? Update the interiors of 2 units (the rest are remodeled) and the long-terms tenants' units need to be updated for rents to go to market rate.? Exterior paint of 16 units.? The fence in the picture has already been painted, but the google map in the first pic?is not showing it yet.? Also, hedges and flowers have been placed in front for curb appeal.? I have already invested $10,000 in this property to purchase the units, re-tenanting, advertising, and rehab, and will continue to do so, but need to invest $4946 for the exterior paint, and around $1000 each to update the 2 long-term tenants' units (11 and 12 years in same unit).

My financial situation:? I am a good candidate for this loan because? My personal credit performance is high.? I have intentionally placed some revolving accounts over the last few years and they are ALL ON TIME and ALL IN GOOD STANDING.??

Monthly net income: $7308- net.?? Career as Engineer for same company 4 years:?

Monthly personal expenses: $?3012
Housing: $ 1300??
Insurance: $?100??
Car expenses, gas: $ 150 (car is paid in full)??
Utilities: $ 250??
Phone, cable, internet: $ 250??
Food, entertainment: $?300??
Clothing, household expenses $ 100??
Credit cards and other loans: $ 562??
Other expenses: $??

Monthly property expenses:
The property currently has a break-even cashflow, meaning that it is now able to pay its own expenses without any other influx of cash.? The rehab is necessary in order to attract and keep quality tenants.? The property will begin to have positive cashflow within 12 months time.? The loan will be repaid out of personal cashflow, where you can see that there is a buffer.?? ?THE PRIOR LOAN WITH PROSPER HAS BEEN PAID IN FULL AND WAS ALWAYS IN GOOD STANDING!!? VERY HAPPY INVESTORS!!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 427961
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $397.60
 
Auction yield range: 17.27% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 4 First credit line: Jul-1990 Debt/Income ratio: 31%
Credit score: 720-740 (Oct-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 38Length of status:12y 7m
Amount delinquent: $647 Revolving credit balance: $16,523 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 81%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: bold-productive-capital Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to payoff a loan I have with my government Thrift Savings Plan(TSP).??TSP is the governments version of a 401K plan.? Once I pay this loan off I will be able to borrow against my Thrift Savings Plan, which is currently a six figures amount, to repay this loan in full.? This process will take about 90 days.? In addition to paying for this loan?I will also be consolidating all credit card debt.???
My financial situation:
I am a good candidate for this loan because even though times have been a little hard lately, I have an extremely stable well paid government job.? Also, since I am employed by the government I am expected to remain in good standing with all financial responsibilities.? As a special note, I would like to address a collection on my credit report.? This collection is from Collectech Diversified and is a medical bill from a medical emergency my daughter went through in 2007.? To make a long story short I never received any bills concerning this debt.??The collection agency has been contacted?and I am?working to resove this matter immediately.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428115
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 5 First credit line: Jun-2002 Debt/Income ratio: Not calculated
Credit score: 660-680 (Oct-2009) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:1y 7m
Amount delinquent: $0 Revolving credit balance: $10,900 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: elegant-treasure Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Organic Skin Care Distribution
Purpose of my loan request:
I have found myself in the position to have been award the preferred retail distribution (direct site referral) for an organic skin care product line. This product line is being features around the world and in one major 5 star hotel chain. Because of my connection with the owner I was able to trade photography and website services in exchange for this direct referral for retail sales. The product line has been featured in a number of online publications and is just on the ground floor. I have paid to develop a high-end website with a full e-commerce backend. We launched the site 4 days ago and are starting to get orders already. The reason for this loan:Shipping Materials & SetupOnline Advertising to take positionSocial Network Advertising to push market positionMy financial situation:
I am a solid financial risk because of a few factors. I already own and operate a growing advertising company and can function the advertising for this company on a "at cost" basis. I have already invested all the startup cash for this retail site from my own funds. I manage my own projects and personally contact customer to ensure satisfaction. I wish to strike while the iron is hot vrs waiting for the cash flow to build, which is why I am seeking the loan funds.
I am available for questions at any point. I learned of this service through a banking friend. Due to the nature of this business model, it is not eligible for traditional financing. I strongly believe I have structure a solid startup model and am moving on to the next step of increasing the existing marketing.Thank you for your consideration.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428121
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $678.54
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 First credit line: Jul-1996 Debt/Income ratio: Not calculated
Credit score: 680-700 (Oct-2009) Current / open credit lines: 0 / 0Employment status:Not employed
Now delinquent: 1 Total credit lines: 16Length of status:0y 2m
Amount delinquent: $24 Revolving credit balance: $0Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: penny-harmony 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 for College
Purpose of loan:
This loan will be used to? I am planning on attending Westpointe Academy in the 2010-2011 year.? During which I am attending the National College of Business and Technology; majoring in Computer Information Systems.? I have a current GPA of 4.0 and an outstanding academic record from grade school up through college.? Our family situation is dire and cannot afford me the opportunity to attend the schools I so desire to attend.? With the current financial aid and student loans I am receiving now, I am still unable to reach my expenditures for tuition, books and living expenses.

My financial situation:
I am a good candidate for this loan because? I am an excellent student with a promising future.?

Monthly net income: $ 1000

Monthly expenses: $
??Housing: $ 200
??Insurance: $
??Car expenses: $
??Utilities: $ 75
??Phone, cable, internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ 475
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428133
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,975.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $89.34
 
Auction yield range: 14.27% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 9 First credit line: Mar-1986 Debt/Income ratio: 32%
Credit score: 600-620 (Oct-2009) Current / open credit lines: 16 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:3y 3m
Amount delinquent: $0 Revolving credit balance: $18,003 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 88%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: shotgun82 Borrower's state: California Borrower's group: Veteran Financial
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 44 ( 100% ) 600-620 (Latest)
Principal borrowed: $7,400.00< mo. late: 0 ( 0% )  
600-620 (Sep-2009)
600-620 (Jul-2008)
600-620 (Jun-2008)
580-600 (Dec-2007)
 
Principal balance: $2,650.30 1+ mo. late: 0 ( 0% )
Total payments billed: 44  
Description
High Interest Personal Loans
Seeking funds to pay off high interest personal loans(CashCall $3387@69%). I currently have money loaned out to others through Prosper, so I fully understand the risks and rewards of this site.?Of the money I've loaned out, there is one default. So, rest assured I would never miss a payment. I'm a proud twenty year veteran retired from the U.S. Air Force and gainfully employed in the same line of work for forty plus years.?The CashCall Loan was used to?for housing for my daughter while she was in Grad School, she has graduated and is gainfully employed. Now I just wish to lower the interest rate in the CashCall loan.

Monthly Expenses:
Rent:????????????????????????????????????????? $2275
Auto Loan?????????????????????????????????????? 460
Auto Ins??????????????????????????????????????????paid
Phone???????????????????????????????????????????? ?98
Utilities?????????????????????????????????????????? 238
Groceries??????????????????????????????????????? 375
Credit cards???????????????????????????????????? 240
Taxe\Medical\Dental with held? pay???687?
Total deductions:???????????????????????? $4373
Income???????????? :?????????????????????????? 6419
Left Over?????????????????????????????????????$2046

Thanks in advance for considering my request.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428145
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 5 First credit line: Aug-1994 Debt/Income ratio: Not calculated
Credit score: 640-660 (Oct-2009) Current / open credit lines: 9 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:5y 2m
Amount delinquent: $0 Revolving credit balance: $6,683 Occupation: Student - College F...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 54%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 4    
Screen name: rapid-justice98 Borrower's state: Arkansas 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 for College
Purpose of loan:
To pay my tuition.

My financial situation:
I am a good candidate for this loan because? I always pay my bills on time. I am never late. My name and reputation mean everything to me. No matter what my bills are paid.

I currently work as a Para, or Teacher's Aide, at Washington Middle School as well as my other job. I take on small groups of "at risk" math kids to make sure they don't fall behind. I am very involved in the community. I am working on becoming a Psychologist because I love to help people. I have supported and sponsored a refugee family from Jordan for the past year now and they are very much a part of my life, a second family.
I come from a family of law enforcement and medical fields. My father is the Chief of Police in Independence, KS. My Mother a nurse and my brother a police officer for Bentonville, AR.

My credit score would be MUCH better if I didn't have a bankruptcy when I was 18. My identity was stolen when I was 14 and I have tried to recover for years.
If you look at my credit report I have no delinquencies or negatives. Everything is paid on time for the past 6 years.

Monthly net income: $
2600.00
Monthly expenses: $
??Housing: $ 150
??Insurance: $ 75
??Food, entertainment: $ 250
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 600
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428219
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 15.07% Starting borrower rate/APR: 16.07% / 18.25% Starting monthly payment: $158.36
 
Auction yield range: 6.27% - 15.07% Estimated loss impact: 5.26%  
Lender servicing fee: 1.00% Estimated return: 9.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 8 First credit line: Sep-1980 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-780 (Oct-2009) Current / open credit lines: 3 / 3Employment status:Self-employed
Now delinquent: 0 Total credit lines: 3Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $3,664 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 22%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: diversification-injector6 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Relocation Expenses
Purpose of loan:
This loan will be used to...? Cover our relocation costs we have incurred.? My future wife and I have relocated our family to North Carolina from Michigan.? My fiance's job?was transfered to North Carolina so we relocated our family.??


My financial situation:
I am a good candidate for this loan because? I am a skilled construction professional, with mutiple contracts pending here in the Asheville area.? Between my good credit rating, past financial history, and the fact that I currently have very little debt, I believe I qualify for this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428293
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 27.47% Starting borrower rate/APR: 28.47% / 30.83% Starting monthly payment: $312.13
 
Auction yield range: 11.27% - 27.47% Estimated loss impact: 10.69%  
Lender servicing fee: 1.00% Estimated return: 16.78%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 8 First credit line: Mar-2002 Debt/Income ratio: 39%
Credit score: 660-680 (Oct-2009) Current / open credit lines: 14 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:4y 9m
Amount delinquent: $0 Revolving credit balance: $10,882 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 57%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: AlMeg 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
Paying down credit cards
Purpose of loan:
This loan will be used to?
Pay down my credit cards that was used? while my wife and I were in school.

I am a good candidate for this loan because?
I'm a good candidate for this loan because my wife and I have good jobs and pay all our bills on time. We just want to be able to have one bill for our credit cards instead of 5 so we can pay them down faster. We will be paying almost the same as we are now on credit cards but it will be one payment and we know we will only have 3 years or less until they are paid off. I hope you will consider us because?we take our debt serious and believe in paying our debts on time because we?want people to pay us on time when we are owed money.
??My financial situation:

Monthly net income: $ 3800

Monthly expenses: $ 2160
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $?100??Phone 30, cable 100, internet: $ 30
??Food, entertainment: $ 300
??Clothing, household expenses $?200
??Credit cards and other loans: $ 1200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428305
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 11.42% Starting borrower rate/APR: 12.42% / 14.56% Starting monthly payment: $267.32
 
Auction yield range: 4.27% - 11.42% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 9.28%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 8 First credit line: Mar-1997 Debt/Income ratio: 19%
Credit score: 780-800 (Sep-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:13y 4m
Amount delinquent: $0 Revolving credit balance: $32,714 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 57%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: responsibility-brigade Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Let's Cut the Chase (credit card)
Purpose of loan:
This loan will be used to?consolidate?our credit cards.? We have credit cards at APRs ranging from 8.99% to 13% but would like one fixed?payment with one interest rate.? Help us get rid of this debt so we can go back to investing in our kids' college funds.

My financial situation:
We?are good candidates for this loan because our credit is excellent.? We have never been late on a payment.? We would just like to get ahead of the credit card game before the rules change again.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428465
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $274.92
 
Auction yield range: 17.27% - 18.00% Estimated loss impact: 20.00%  
Lender servicing fee: 1.00% Estimated return: -2.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 4 First credit line: Feb-1992 Debt/Income ratio: 46%
Credit score: 600-620 (Oct-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:10y 6m
Amount delinquent: $0 Revolving credit balance: $7,399 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 100%Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: littlelady63 Borrower's state: Ohio Borrower's group: Brighter Financial Future
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 42 ( 100% ) 600-620 (Latest)
Principal borrowed: $14,000.00< mo. late: 0 ( 0% )  
600-620 (Sep-2009)
640-660 (Mar-2008)
740-760 (Jul-2007)
 
Principal balance: $3,236.07 1+ mo. late: 0 ( 0% )
Total payments billed: 42  
Description
home improvements
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428477
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 5.25% Starting borrower rate/APR: 6.25% / 6.59% Starting monthly payment: $244.28
 
Auction yield range: 3.27% - 5.25% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 3.75%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 6 First credit line: Jun-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 840-860 (Oct-2009) Current / open credit lines: 13 / 11Employment status:Self-employed
Now delinquent: 0 Total credit lines: 30Length of status:5y 10m
Amount delinquent: $0 Revolving credit balance: $7,141 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 5%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: magnetic-compassion Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Expansion
Purpose of loan:
This loan will be used to purchase new equipment to expand my business. Currently my business has contracts obtained for $1,050,000 worth of revenue in the next 8 months to build several new residential homes. As a general contractor in the custom home market there are various sectors in my business in which I would like to purchase equipment to meets the necessary needs of my current clients. This equipment will be instrumental in setting a new course for my business in the future.

My financial situation is very sound.
I am a good candidate for this loan because the use of the equipment I am purchasing is necessary to gain more profitability in my industry.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428495
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $596.40
 
Auction yield range: 17.27% - 24.00% Estimated loss impact: 26.38%  
Lender servicing fee: 1.00% Estimated return: -2.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 2 First credit line: Dec-1982 Debt/Income ratio: 60%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 14 / 13Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 29Length of status:25y 9m
Amount delinquent: $382 Revolving credit balance: $95,416 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 99%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: trade-serenity Borrower's state: Wisconsin 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
401k pay back
Purpose of loan:
This loan will be used to? repay outstanding 401k loan so I can in turn reapply for loan to pay off credit card debt.? Previous 401k loan was misrouted, with wrong amount and was advised by "help desk" to return money and reapply.? Bad advise as loan amounts and numbers limited.? No longer able to take out my money.

My financial situation:
I am a good candidate for this loan because? will be short term to reorganize.? Long employment history wtih USPS.? Family emergency followed by tornado damage got in credit card debt.? Was to pay off wtih 401k until that was mishandled.

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $
??Insurance: $ 56????
??Car expenses: $ 350
??Utilities: $ 110
??Phone, cable, internet: $ 60
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 800
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428501
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 15.00% Starting borrower rate/APR: 16.00% / 18.18% Starting monthly payment: $263.68
 
Auction yield range: 11.27% - 15.00% Estimated loss impact: 10.34%  
Lender servicing fee: 1.00% Estimated return: 4.66%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 7 First credit line: Nov-2000 Debt/Income ratio: 18%
Credit score: 720-740 (Oct-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 6Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $1,871 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 12%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: bid-banshee1 Borrower's state: Pennsylvania 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
Updating our Kitchen
Purpose of loan:
We purchased our house a year ago and although we love it, the kitchen is very 1990's! We are going to replace our dated appliances and counter-tops. We are going to do most of the work ourselves, which will be fun experience.

My financial situation:
Combined, my husband and I make about $80k per year. Our mortgage payment is $1038 and both of our cars are paid for. We do not usually believe in carrying debt other than our mortgage, however, we feel that this loan will be well worth it.

Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428511
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $222.98
 
Auction yield range: 14.27% - 19.00% Estimated loss impact: 14.84%  
Lender servicing fee: 1.00% Estimated return: 4.16%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 6 First credit line: Nov-1999 Debt/Income ratio: 13%
Credit score: 680-700 (Oct-2009) Current / open credit lines: 8 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:2y 6m
Amount delinquent: $0 Revolving credit balance: $1,493 Occupation: Professional
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 60%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: pound-popcorn 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
Finishing a Feature Film
Hello people of prosper!

I've been an Art Director for 11+ years. Started with PBS then moved into Fine Art and the Performing Arts then to Commercials and right now I'm Art Directing for a software company.

In June I decided to take my pursuit of filmmaking to the next step. I wrote, directed, and funded a feature film. ($26k of my own money)
I'm now approaching the final stages and am almost done with the film. It's a quality piece that will do well at the film festivals, and most likely get a DVD distribution deal. In order to finish it I need to make final payments to some of the actors, and shoot a final scene.

In Hollywood $6k doesn't go very far, but with my skill set it's the small boost needed for finishing a quality film.

Just to be clear, I have a full time job, and do take on freelance work. I?m not banking on this film to make money in order to pay the loan. I am completely capable of making all payments.

If you're curious about the movie there is a movie trailer posted here > www.SedonasRule.com

Thank you for taking the time to read, and I appreciate any contributions you might make.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428515
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.47% Starting borrower rate/APR: 27.47% / 31.43% Starting monthly payment: $41.08
 
Auction yield range: 11.27% - 26.47% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 8 First credit line: Nov-2001 Debt/Income ratio: Not calculated
Credit score: 660-680 (Oct-2009) Current / open credit lines: 5 / 4Employment status:Not employed
Now delinquent: 0 Total credit lines: 23Length of status:0y 2m
Amount delinquent: $0 Revolving credit balance: $4,315Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 81% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: b-radley 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
Trying to get through Grad School
Purpose of loan:
I'll be using this loan to get through this remaining grad school semester. I had a decent school loan at the beginning of the semester, but my car broke down and I had to fix it. Its been hard to get up to speed in my classes and I am just now getting to the point where I can even think about a job. I need cash to help pay rent and bills for just a few more months and help me hold out until I can find a job

My financial situation:
I am a good candidate because I will pay the loan off by spring with next semester's loan and I will have a job very soon. I know a quick payment is not what a lender always wants to hear, but I'm hoping for a little help here.

Net income: $
roughly $2000-3000 per semester

Monthly expenses: $
??Housing: $ 200
? Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Credit cards and other loans: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428517
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.15% Starting borrower rate/APR: 21.15% / 23.40% Starting monthly payment: $113.26
 
Auction yield range: 8.27% - 20.15% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.18%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 9 First credit line: Sep-1991 Debt/Income ratio: 9%
Credit score: 660-680 (Oct-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:4y 7m
Amount delinquent: $0 Revolving credit balance: $25,953 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 92%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: cerebral-euro 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
Struggling to Refinance Mortgage
Purpose of loan:
This loan will be used to refinance my mortgage. I have to pay closing and fund my tax escrow for six months and I don't have the?money on hand to do so. I've been denied entry into every program out there by the evil Fannie Mae who is the funder of my loan. I'm a struggling single mother, but I've only been late on my? mortgage once in 3 years. I need to refi because my interest rate is high, and like many the value on my house has plummeted so far, I am significantly "underwater"

My financial situation:
I am a good candidate for this loan because, I will have the money to pay back within?six months. I will skip a mortgage payment after close and my tax escrow with my current lender will be refunded allowing me to pay the money back?quickly.

Monthly net income: $ 4600

Monthly expenses: $
??Housing: $ 2100
??Insurance: $ 100
??Car expenses: $ 90
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 350
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 700
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428521
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 2 First credit line: Dec-2003 Debt/Income ratio: 32%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 28 / 26Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 40Length of status:3y 4m
Amount delinquent: $0 Revolving credit balance: $3,350 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 31%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 5    
Screen name: axismundi Borrower's state: Indiana Borrower's group: Masonic Order
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 20 ( 100% ) 640-660 (Latest)
Principal borrowed: $2,600.00< mo. late: 0 ( 0% )  
660-680 (Apr-2008)
660-680 (Oct-2007)
540-560 (Sep-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Merging consumer debt
Purpose of loan:
Various reasons... merging debt mostly

My financial situation:
I have a good job, been there 3 years and change. I plan on repaying the debt over the full length of the loan to be fair to those who are seeing a decent ROI. I also have recently paid off a prosper loan in which I used to prove myself to the community. I hope you can help me with this small one.

Monthly net income: $ 1674

Monthly expenses: $ 1022
??Housing: $200
??Insurance: $67
??Car expenses: $ 241
??Utilities: $ 0
??Phone, cable, internet: $ 87
??Food, entertainment: $100
??Clothing, household expenses $0
??Credit cards and other loans: $ 247
??Other expenses: $ 20-80 varying
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428523
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 2 First credit line: Dec-1986 Debt/Income ratio: 16%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 4 / 3Employment status:Full-time employee
Now delinquent: 5 Total credit lines: 27Length of status:20y 9m
Amount delinquent: $27,653 Revolving credit balance: $1,132 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 75%Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Homeownership: Yes  
Inquiries last 6m: 6    
Screen name: kp2116 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 38 ( 93% ) 640-660 (Latest)
Principal borrowed: $8,000.00< mo. late: 3 ( 7% )  
600-620 (Dec-2007)
600-620 (Dec-2006)
 
Principal balance: $1,725.67 1+ mo. late: 0 ( 0% )
Total payments billed: 41  
Description
Painting and carpeting
After some tough years financially, we have just been able to purchase a home. It needs a bit of work: paint, carpet, yard... but the best part is THIS is going to be OUR home. Finally! What a blessing for our family.

I am a mom and a teacher. This is my 20th year of teaching junior high!?I love my job, because I really enjoy the kids. I've been teaching in the same school/same district for all these years. I once heard that you should find a job you would do for free, and stick with it. That's me. I would do this job for free. BUT... life requires money!
I am aware that my credit score is?low.??6 years ago, my husband and I had to file a?Chapter 13 bankruptcy as a result of his business going belly-up. The records from that time period make me cringe, but I know the whole story and I am proud of what has happened since. The bankruptcy allowed us to get back on our feet. It is now discharged, and we are pleased to report a perfect payment history in regards to that as well.

I am a tenured teacher, with a great employment history. My job, although not high paying, is very secure.?My loan payments come directly out of my monthly pay check.?I hope to?find lenders who will accept my employment history as a greater indicator of stability than my credit history shows. Thank you for viewing my listing and reading my story. Someday, I'm going to be a Prosper lender too!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428527
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.32% Starting borrower rate/APR: 31.32% / 33.72% Starting monthly payment: $215.89
 
Auction yield range: 11.27% - 30.32% Estimated loss impact: 10.77%  
Lender servicing fee: 1.00% Estimated return: 19.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 7 First credit line: Nov-1992 Debt/Income ratio: 27%
Credit score: 660-680 (Sep-2009) Current / open credit lines: 25 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 54Length of status:8y 7m
Amount delinquent: $0 Revolving credit balance: $5,754 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 40%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: NewHope2008 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 100% ) 660-680 (Latest)
Principal borrowed: $7,500.00< mo. late: 0 ( 0% )  
660-680 (Jun-2008)
 
Principal balance: $4,829.95 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Simplify Monthly Payments
Purpose of loan: Currently I have several open lines of credit that require small payments each month. I would like to use this money to pay off those smaller credit/store cards so that I no longer have to manage several cards at once. I recently (8/10/09) had a second child which as a lot of people know can be stressful as well as rewarding. I work full time and consolidating several payments into one payment would be very helpful. I currently have a loan with prosper. I have never missed a payment and I always pay on time.? Since I am already paying interest, I would rather give that money to people who invest in me instead of a large corporation.

My financial situation: I am a good candidate for this loan because I have a stable career and I pay my bills on time.? I have an existing loan with Prosper, which I pay on time every month.? I own a?small home and am have not gotten caught up in the current mortgage problems (my house is worth more than I owe and I have a low fixed rate).? I paid off my car this year and am now concentrating on paying down my debt.

Monthly net income: $ 3998.40

Monthly expenses: $
??Housing: $ 795 (split with my husband)
??Insurance: $ 40
??Car expenses: $ 100 (gas)
??Utilities: $ 150 (electric &?water) (split with my husband)
??Phone, cable, internet: $ 150 (split with my husband)?
??Food, entertainment: $?200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1300
??Other expenses: $ 260 (child care)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428531
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,700.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $167.37
 
Auction yield range: 14.27% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 6 First credit line: May-1994 Debt/Income ratio: 21%
Credit score: 680-700 (Oct-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:8y 5m
Amount delinquent: $0 Revolving credit balance: $15,286 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: FamilyGuy38 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
End this HELOC nightmare
undefinedundefinedundefined Purpose of loan:
I would like to pay off a $3700 loan I currently have against my 401k so that I could take out a new loan. My 401k does not allow me to have more than one loan out at a time. This new loan will be a 5 year long $18,700 loan and will be used to pay off the Prosper loan of $3700 and a Home Equity Line Of Credit (HELOC) loan I have for $15,000 at a 23.99% interest rate.This will free up about $200/mo that I?ll use to get the new 401k loan paid off early.I have been doing a Dave Ramsey debt snowball program and this will drastically accelerate my ability to become 100% debt free. (www,daveramsey,com)

My financial situation:
In good conscience I could never guarantee that I could pay back a loan. I have been laid off before, several years ago, and I understand even the most secure job can become unsecure quickly. But as long as I am working and can keep food and shelter for my family all of my debts will be paid.
Monthly net income: $102,000

Monthly expenses: $
??Housing: $1622
??Insurance: $350
??Car expenses: $400
??Utilities: $270
??Phone, cable, internet: $305
??Food, entertainment: $800
??Clothing, household expenses $100
??Credit cards and other loans: $445
??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428537
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 4 First credit line: Dec-1978 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-660 (Oct-2009) Current / open credit lines: 1 / 1Employment status:Self-employed
Now delinquent: 0 Total credit lines: 26Length of status:20y 9m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$100,000+
Delinquencies in last 7y: 10 Homeownership: No  
Inquiries last 6m: 0    
Screen name: thoughtful-rate 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
Inventory
Purpose of loan:
This loan will be used to purchase needed supplies for Interior Design Business

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

Monthly net income: $ 7500

Monthly expenses: $ 5000
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428539
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,900.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 21.00% Starting borrower rate/APR: 22.00% / 24.26% Starting monthly payment: $110.75
 
Auction yield range: 4.27% - 21.00% Estimated loss impact: 2.20%  
Lender servicing fee: 1.00% Estimated return: 18.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 9 First credit line: Sep-1999 Debt/Income ratio: Not calculated
Credit score: 720-740 (Sep-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:0y 2m
Amount delinquent: $0 Revolving credit balance: $14,784 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 59%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: the-enriching-yield 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
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate all my credit cards. I want to better my situation

My financial situation:
I am a good candidate for this loan because i am a responsible payer and a hardworking individual. All my bills are always paid ahead of time and I have never had a problem paying any of them on time. I never miss(ed) a monthly payment. This loan is not a matter of not being able to pay for my credit cards, but simply to be able to save money and not have to pay all the interest rates that are given.

I am a production artist/graphic designer for DIRECTV and make anywhere between $2,600 to $4,000 (Net pay) a month depending on the hours i work.

Monthly Inome:
? $2,600-$4,000 (Net Pay)

Monthly Expense: $1,530

Thank you for taking the time to read this and considering my situation.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428541
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $678.54
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 First credit line: Sep-2004 Debt/Income ratio: 41%
Credit score: 660-680 (Oct-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:3y 6m
Amount delinquent: $0 Revolving credit balance: $656 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 1    
Screen name: sojobg12 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off student loans
Purpose of loan:
This loan will be used to pay off student loans?and ?purchase a?used vehicle.? This loan would allow me to only have one monthly payment instead of multiple ones and in the event I?am deployed again it would make things easier and less stressful.? I greatly appreciate your time and consideration.?

My financial situation:
I am a good candidate for this loan because I have a steady income.? I'm currently serving in the U.S. Air Force and I have 2 years and 6 months remaining on my first enlistment and I will be re-enlisting in 2012.? I am very disciplined and I take pride in everything I do and I will not have an issue paying this loan back if afforded the opportunity.? My plans for repaying this loan consist of setting up an allotment that will come out of my paycheck before it reaches my account to insure your funds are received monthly and on time.? My plan for the future is to purchase a home shortly after my re-enlistment and this loan would enable me to achieve a higher credit rating and allow me to be debt free until the purchase of my home.?

Monthly net income: $2,837.00

Monthly expenses: $1,315.00
??Housing: $375.00
??Insurance: $0
??Car expenses: $0
??Utilities: $70.00
??Phone, cable, internet: $120.00
??Food, entertainment: $100.00
??Clothing, household expenses $50.00
??Credit cards and other loans: $600.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428543
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $678.54
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 2 First credit line: Feb-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-780 (Oct-2009) Current / open credit lines: 5 / 5Employment status:Self-employed
Now delinquent: 0 Total credit lines: 8Length of status:7y 2m
Amount delinquent: $0 Revolving credit balance: $208 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: wealth-spruce Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business increasing, need to expand
Purpose of loan:
I am a licensed residential real estate appraiser located in a military town.? My appraisal assignments have increased from 1-2 per day to?4-6 per day, and my contractors would like to send more if I could meet the turnaround time deadlines.? Since I hate to turn money down, I have recruited an additional appraiser to join my staff that I have known for years, who's buisiness isn't as strong as mine and he brings a few of his own clients to the table.? My wife has also agreed to come in a couple of times a week to help with the "office" work so I can have more time to make appraisals.

The purpose of the loan is to place rent deposits on?an office (currently have a home office), aquire updated computers, software license, additional Insurance and misc office equipment (desks, chairs, office decor, etc)? This would give me enough to get things rolling much eaiser than having to make upgrades as I can.

My financial situation:
I have good cash flow, with limited debt, my fico and experian scores are all over 700, however my Equifax is 655, which is because of a medical collection that I was unaware of and is less than $300, which I am taking care of.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428545
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 5 First credit line: May-1982 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-700 (Oct-2009) Current / open credit lines: 9 / 6Employment status:Self-employed
Now delinquent: 0 Total credit lines: 28Length of status:19y 6m
Amount delinquent: $0 Revolving credit balance: $58,976 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 90%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: best-immaculate-gain 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
my business...my life
Purpose of loan:
I have a seasonal family restaurant in a resort community which requires a few month shutdown during the winter. I'll close late November and reopen in early February. I would use this loan to pay down some debt and help with both shutdown and reopening costs.

My financial situation:
I am a good candidate for this loan because I would never let my lenders down. I have a beautiful waterfront restaurant that is full of antiques and memorabilia. ? I've already grossed over $610,000 this year but still need some extra money to get through the winter months. I just went through a costly divorce and am in the process of making settlement payments. I started this restaurant with my mother in 1977 and bought it from her in 1990. Since I bought it while I was married it was considered a marital asset even though my husband had little interest in the business. I'm working hard to pay off debt that he left me with and have made great progress this year.? I live in an apartment over the restaurant so my living expenses are low. I've always reinvested in my restaurant continually trying to increase the value of my property knowing that it's sale someday will be my retirement money. I could sell and walk away with a nice retirement but I'm only 55 and not yet ready to part with this business that has been such a big part of my life.

Please consider this loan......I won't let you down!


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428547
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 21.00% Starting borrower rate/APR: 22.00% / 24.26% Starting monthly payment: $267.33
 
Auction yield range: 17.27% - 21.00% Estimated loss impact: 26.19%  
Lender servicing fee: 1.00% Estimated return: -5.19%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 2 First credit line: Nov-1989 Debt/Income ratio: 39%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 54Length of status:1y 8m
Amount delinquent: $0 Revolving credit balance: $7,988 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 92%Stated income:$25,000-$49,999
Delinquencies in last 7y: 30 Homeownership: No  
Inquiries last 6m: 3    
Screen name: innocent-repayment1 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
PAYING OFF CREDIT CARDS
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428549
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 31.38% Starting borrower rate/APR: 32.38% / 34.79% Starting monthly payment: $328.24
 
Auction yield range: 11.27% - 31.38% Estimated loss impact: 10.80%  
Lender servicing fee: 1.00% Estimated return: 20.58%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 7 First credit line: Jul-1995 Debt/Income ratio: 44%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 13 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:21y 5m
Amount delinquent: $0 Revolving credit balance: $24,119 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 93%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: btsjr61 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 100% ) 640-660 (Latest)
Principal borrowed: $7,000.00< mo. late: 0 ( 0% )  
660-680 (Aug-2009)
660-680 (Jan-2008)
 
Principal balance: $3,407.85 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Paying off High 2 Lines of Credit
Purpose of loan:
This loan will be used to? pay off a 2 high finance charged line fo credit, once paid off these accounts will be?closed as I will no longer have a need for them. Even at a higher interested rate that I have posted the payments will still be less than my current payments.

My financial situation:
I am a good candidate for this loan because? the monthly payments will fit into my monthy budget and get ride of the high line of credit charges. And if you look at my past history I have paid on time ALL of my debts. This will also save me just over 200.00 a month on my credit card expenses that you see below. Also in my other expenses is a 300.00 that goes to my 401k plan, so I am not really spending that money its a savings. This would be just such a big help at this time as I am sure everyone understands trying to reduce expenses. Hope all will be in favor of bidding on this loan. Take care and thinks for reading this.

Monthly net income: $ 3095.00

Monthly expenses: $?2626.00
??Housing: $
??Insurance: $?75.00
??Car expenses: $?430.00
??Utilities: 150.00
??Phone, cable, internet: $?21.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $?1000.00
??Other expenses: $ 600.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428555
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $217.13
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 5 First credit line: Feb-2002 Debt/Income ratio: Not calculated
Credit score: 640-660 (Sep-2009) Current / open credit lines: 13 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:4y 9m
Amount delinquent: $0 Revolving credit balance: $7,267 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Olekoh Borrower's state: Illinois Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 35 ( 100% ) 640-660 (Latest)
Principal borrowed: $1,800.00< mo. late: 0 ( 0% )  
600-620 (Oct-2006)
 
Principal balance: $64.13 1+ mo. late: 0 ( 0% )
Total payments billed: 35  
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?? I would like to pay off my high interest credit cards .

My financial situation:
I am a good candidate for this loan because? of my good work ethic and ability to pay it off, it will be my second prosper loan with the first being paid on time every month and one payment to go.(oct 17) If i get fully funded , I believe that I would be 100% able to pay my montly prosper loan.

Monthly net income: $
3000
Monthly expenses: $
??Housing: $ 600????????
??Insurance: $ 50
??Car expenses: $ 0 car payed off, motorcycle $269
??Utilities: $ 30
??Phone, cable, internet: $?70
??Food, entertainment: $ 200
??Clothing, household expenses $?200
??Credit cards and other loans: $ 400
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428557
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $17,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 11.50% Starting borrower rate/APR: 12.50% / 14.64% Starting monthly payment: $568.71
 
Auction yield range: 11.27% - 11.50% Estimated loss impact: 10.24%  
Lender servicing fee: 1.00% Estimated return: 1.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 8 First credit line: Sep-1978 Debt/Income ratio: 38%
Credit score: 660-680 (Oct-2009) Current / open credit lines: 19 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:9y 0m
Amount delinquent: $0 Revolving credit balance: $121,878 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 76%Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: bison0 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
Paying Off All My Credit Cards
Purpose of loan:
This loan will be used to pay off high interest credit cards and consolidate into one payment.? My goal is to be debt free.? I no longer use my credit cards.
My financial situation:
I am a good candidate for this loan because I have been reliably paying down my debt over the last 2 years.?

Monthly net income: $ 4500.00

Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 200
??Car expenses: $ 435
??Utilities: $ 200
??Phone, cable, internet: $ 110
??Food, entertainment: $
??Clothing, household expenses $ 300
??Credit cards and other loans: $???currently 900
? Other expenses: $ 160

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428573
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 3 First credit line: Feb-2007 Debt/Income ratio: 16%
Credit score: 620-640 (Oct-2009) Current / open credit lines: 5 / 6Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 8Length of status:5y 4m
Amount delinquent: $1,078 Revolving credit balance: $6,537 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: Kimmertoo 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 94% ) 620-640 (Latest)
Principal borrowed: $1,500.00< mo. late: 1 ( 6% )  
580-600 (May-2008)
 
Principal balance: $952.47 1+ mo. late: 0 ( 0% )
Total payments billed: 16  
Description
Paying for school
Purpose of loan:
This loan will be used to?pay for my husband's summer session of college.? When he signed up for the classes, we didn't realize the tuition was not covered by his regular loans and grants.? Unless we can pay for this past session, he will have to discontinue his schooling.??I would hate for that to happen as I'm so proud of his hard work and dedication.? He wants to become a Christian youth counselor and has been so diligent, getting A's and B's in all his classes.??

My financial situation:
I am a good candidate for this loan because?my husband and I are very inspired to move toward a better financial standing.? We don't have any credit card debt and we bought a home last year.? I've got a steady full-time job and my husband is also employed part-time while he attends school.?

Monthly net income: $ 3,500

Monthly expenses: $
??Housing: $?1,000
??Insurance: $?200
??Car expenses: $?no payment?
??Utilities: $?50
??Phone, cable, internet: $ 50
??Food, entertainment: $ 500
??Clothing, household expenses $?225
??Credit cards and other loans: $?200
??Other expenses: $ 450
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428575
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 23.65% Starting borrower rate/APR: 24.65% / 26.95% Starting monthly payment: $158.30
 
Auction yield range: 8.27% - 23.65% Estimated loss impact: 9.06%  
Lender servicing fee: 1.00% Estimated return: 14.59%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 4 First credit line: Aug-1978 Debt/Income ratio: 48%
Credit score: 760-780 (Oct-2009) Current / open credit lines: 3 / 2Employment status:Retired
Now delinquent: 0 Total credit lines: 13Length of status:4y 9m
Amount delinquent: $0 Revolving credit balance: $139Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: tubebender Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 760-780 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
760-780 (Apr-2008)
 
Principal balance: $394.36 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Buying a Trike rear-end
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.
 
Borrower Payment Dependent Notes Series 428577
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 29.22% Starting borrower rate/APR: 30.22% / 34.25% Starting monthly payment: $42.57
 
Auction yield range: 11.27% - 29.22% Estimated loss impact: 10.74%  
Lender servicing fee: 1.00% Estimated return: 18.48%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 8 First credit line: Jul-1992 Debt/Income ratio: Not calculated
Credit score: 680-700 (Oct-2009) Current / open credit lines: 4 / 3Employment status:Not employed
Now delinquent: 0 Total credit lines: 4Length of status:0y 1m
Amount delinquent: $0 Revolving credit balance: $11,546Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 86% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: intuitive-capital5 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 for college expenses
Purpose of loan:
This loan will be used to pay expenses that I incur while in my final semester of college. As of right now I have fallen behind on a few payments and I need a quick loan to pay those off.

My financial situation:
I am a good candidate for this loan because I may not have a job at the moment but I am looking for one and will have a full time job after I graduate in December.

Monthly net income: $ I get a thousand dollars a month on the first of every month from my parents which I can use to help make payments on this loan.

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $ 50
??Phone, cable, internet: $
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428589
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $219.94
 
Auction yield range: 17.27% - 18.00% Estimated loss impact: 19.00%  
Lender servicing fee: 1.00% Estimated return: -1.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 5 First credit line: Feb-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-680 (Oct-2009) Current / open credit lines: 15 / 13Employment status:Self-employed
Now delinquent: 0 Total credit lines: 29Length of status:18y 1m
Amount delinquent: $0 Revolving credit balance: $47,436 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 80%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: hawaiibeadygirl Borrower's state: Hawaii Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Help a bead Store
A beaders paradise!!!!?? I have a retail bead and jewelry supply store located in a shopping center.? We are in a 700 square ft unit with an average inventory of $30,000.00.? Fixtures are at about $8000.00.? We've been at this location for 10 months. On the weekends we offer classes and I have 2 part-time employees.? I'm currently not taking any salary from the business .? I have an opportunity to secure an exclusive product line.? Unforutunately I've used all of my available funds that I can and am needing $6000.00 as working capitol to secure the product line.? My debt ratio is high right now because I've used all of my available credit to fund the business.? I don't have any delinquent bills and have paid all?of my bills on time.?A little about me.....I am a jewelry teacher at a local high school and I also teach a class through the adult education school.? I am a mother of two with two daughters in college.?Thank you for your time and consideration
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428599
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $371.64
 
Auction yield range: 17.27% - 19.00% Estimated loss impact: 26.06%  
Lender servicing fee: 1.00% Estimated return: -7.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 2 First credit line: Sep-1996 Debt/Income ratio: 46%
Credit score: 680-700 (Oct-2009) Current / open credit lines: 4 / 4Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 13Length of status:1y 6m
Amount delinquent: $0 Revolving credit balance: $3,476 Occupation: Student - College F...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 104%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: witty-vigilance Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Returning to College
Purpose of loan:
This loan will be used to return to college - books, living expenses, tuition,food and pay off credit card debt.

My financial situation:
I am a good candidate for this loan because I have a few credit cards and credit score is good with a minimal of risk. My car is payed for and I own my home for over 5 years now.

Monthly net income: $ 772.00

Monthly expenses: $
??Housing: $ 806.00
??Insurance: $ 45.00
??Car expenses: $ 50.00
??Utilities: $ 83.00
??Phone, cable, internet: $ 30.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 109.00
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428603
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $22,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 11.52% Starting borrower rate/APR: 12.52% / 12.87% Starting monthly payment: $736.19
 
Auction yield range: 3.27% - 11.52% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 10.01%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 8 First credit line: Jan-1991 Debt/Income ratio: 22%
Credit score: 820-840 (Oct-2009) Current / open credit lines: 13 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:9y 11m
Amount delinquent: $0 Revolving credit balance: $16,792 Occupation: Fireman
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 28%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: rapid-note 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
Credit Card Consolidation
Purpose of loan:
This loan will be used to pay off the credit card companies and close my accounts. The pitch to you is this simple, I would rather pay you then the credit card companies.

My financial situation:I have a household net income of $9700.00 a month.
We payed off my wifes student loans first, now that she is well established in her nurse manager position we are turning to the credit cards. I hope to set the example to my son that you can live without credit cards. As you can see I have a AA rating and a credit score higher than 800. You will certainly be paid back, most likely even early. This loan is just to make a point. Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428605
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $366.56
 
Auction yield range: 17.27% - 18.00% Estimated loss impact: 26.00%  
Lender servicing fee: 1.00% Estimated return: -8.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 3 First credit line: Aug-1988 Debt/Income ratio: 45%
Credit score: 680-700 (Oct-2009) Current / open credit lines: 13 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 44Length of status:6y 6m
Amount delinquent: $0 Revolving credit balance: $27,665 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 87%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: debtfreen3 Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428607
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $322.67
 
Auction yield range: 8.27% - 9.00% Estimated loss impact: 8.18%  
Lender servicing fee: 1.00% Estimated return: 0.82%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 8 First credit line: Oct-2004 Debt/Income ratio: 11%
Credit score: 700-720 (Oct-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:5y 1m
Amount delinquent: $0 Revolving credit balance: $24,644 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 57%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: reinforced-power 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 my credit cards
Purpose of loan:
This loan will be used to?pay off my credit card bills

My financial situation:
I am a good candidate for this loan because?i have steady income 90,000$ per year and?my?wife also have secure and steady job?.only 2 people in family..

Monthly net income: $ 7200

Monthly expenses: $
??Housing: $ 1050
??Insurance: $ 200 life insurance + $100 auto +?$600 medical
??Car expenses: $ 200
??Utilities: $?300
??Phone, cable, internet: $ 250
??Food, entertainment: $ 500
??Clothing, household expenses $
??Credit cards and other loans: $ 10000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428611
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 4 First credit line: Oct-1997 Debt/Income ratio: 35%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 9Length of status:2y 1m
Amount delinquent: $1,239 Revolving credit balance: $2,245 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: sharp-peso Borrower's state: Pennsylvania 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 new car for family
Purpose of loan:
for used truck
My financial situation:
i work hard do not miss work

Monthly expenses: $
??Housing: $ paid off?
??Insurance: $ 137.00 every 4 months
??Car expenses: $ 80.00
??Utilities: $ 150.00 month
??Phone, cable, internet: $ 78.00 month
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428613
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 First credit line: Oct-1992 Debt/Income ratio: 85%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 5 / 4Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 27Length of status:20y 5m
Amount delinquent: $210 Revolving credit balance: $3,173 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 99%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: excellent-fund6 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
Pay Of Credit Cards-Lower Payment
Purpose of loan:
This loan will be used to?To?pay off three credit cards.?I? am currently paying 500.00 a month on the cards and I would like to?pay them off and have a smaller payment. This is a step for me to become debt free.?

My financial situation:
I am a good candidate for this loan because? I have always paid my bills on time, my credit score is lower than it should be because of the credit card debt. The payments will be deducted straight from my bank account so no worries of missed payments. I am wanting to get my debt paid off so I can retire in a couple of years and be debt free.

Monthly net income: $ 2000.00 (starting in January I can begin to work full time and draw my retirement, so that will be an extra $1000.00 starting in January)

Monthly expenses: $
??Housing: $ 200.00
??Insurance: $
??Car expenses: $ 300.00
??Utilities: $ 75.00
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428615
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,749.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 12.42% Starting borrower rate/APR: 13.42% / 15.57% Starting monthly payment: $364.35
 
Auction yield range: 4.27% - 12.42% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 10.28%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 8 First credit line: Aug-1991 Debt/Income ratio: 27%
Credit score: 760-780 (Oct-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:16y 1m
Amount delinquent: $0 Revolving credit balance: $40,714 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 32%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: fordaputz 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: 20 ( 100% ) 760-780 (Latest)
Principal borrowed: $9,500.00< mo. late: 0 ( 0% )  
740-760 (Jul-2009)
740-760 (Apr-2009)
720-740 (Aug-2008)
760-780 (Jan-2008)
 
Principal balance: $2,815.03 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Paying off credit cards
Purpose of loan:
For me to get out of debt I need to get structure with fixed payments.? The credit card keep changing the rules causing me to make monthly payments without getting my head above water.? This loan will FIX the interest and the payment that is required.

My financial situation:
I am a good candidate for this loan because I am currently making my payments to the credit cards.? By supporting me with this three year loan, I will continue to make the payments, but support people instead of BANKS.

OTHER:
????Quick Summary of Debt
????????Credit Card 1: $10,500 @ 18% - PAYING THIS?DOWN with this request
????????Credit Card 2: $15,750 @ 17%
????????Line of Credit: $4,500 @ 16.5%
????????Credit Card: $5,000 @?5% till March
??????? First Prosper: $4,200 @ 8.0% payoff in October 2010


Thanks for your time in looking, all questions will be answered


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428617
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 10.52% Starting borrower rate/APR: 11.52% / 11.87% Starting monthly payment: $263.88
 
Auction yield range: 3.27% - 10.52% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 9.01%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 7 First credit line: Oct-1993 Debt/Income ratio: 9%
Credit score: 820-840 (Oct-2009) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 51Length of status:11y 3m
Amount delinquent: $0 Revolving credit balance: $28,648 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 11%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: unequivocal-platinum 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
Provide Affordable Housing
Purpose of loan:
I am seeking a business loan to expand my acquisitions of used manufactured homes. Currently I am working with 3 employees on the ground who are scouting out and negotiating the purchase of used manufactured homes. Our company then goes in and fixes the manufactured home up and sells them with owner financing to a qualified home seeker. We will be using these funds to acquire more mobile homes and provide investors with a solid rate of return.

My financial situation:
I am a good candidate for this loan because more so than actually needing the money our company is looking for a great story to be able to tell. We would love to talk about how we used prosper to help provide people with flexible financing solutions during this difficult economy, just think what a real difference you can make helping us cut out the big bad banks?? We have adequate reserves and will most likely pay the loan off early so you are just parking it with us for a good rate of return in the interim.I have a full time job and 2 side businesses relating to real estate. I have been in the game for 7 years now and into mobile home investing for almost a year and would like to celebrate our 1 year anniversary with a bang!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428621
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $193.60
 
Auction yield range: 4.27% - 9.00% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.88%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 9 First credit line: Nov-1982 Debt/Income ratio: 31%
Credit score: 740-760 (Oct-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:7y 6m
Amount delinquent: $0 Revolving credit balance: $16,573 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 68%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: priceless-finance1 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off IRS debt
Purpose of loan:
This loan will be used to?

Two years ago we took money out of our 401K to finance our daughter's first year of college. Our intentions were that all taxes were to be paid by the company holding the funds, however, that was not done. Two years later we learn we owe for that early withdrawal. We would rather pay the IRS upfront the total amount due so we do not continue to accrue penalties and interest.

My financial situation:
I am a good candidate for this loan because we?consistently pay all debts that are due and have never defaulted, failed to pay or walked away from a debt. Never.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428627
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 3 First credit line: Mar-1979 Debt/Income ratio: 57%
Credit score: 740-760 (Oct-2009) Current / open credit lines: 6 / 6Employment status:Retired
Now delinquent: 0 Total credit lines: 15Length of status:5y 0m
Amount delinquent: $0 Revolving credit balance: $36,883Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 88% 
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: bonus-eclipse Borrower's state: Idaho 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 down credit card debt.????????

My financial situation:
I am a good candidate for this loan because? I aways pay my debts on time. I have never missed a payment or defaulted on any loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428629
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 18.50% Starting borrower rate/APR: 19.50% / 21.73% Starting monthly payment: $258.37
 
Auction yield range: 17.27% - 18.50% Estimated loss impact: 26.03%  
Lender servicing fee: 1.00% Estimated return: -7.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 3 First credit line: Jun-1992 Debt/Income ratio: 17%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 21 / 18Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 73Length of status:10y 3m
Amount delinquent: $0 Revolving credit balance: $74,960 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: favorite-greenback 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
pay of debts
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? I have a very steady job and income. The funds are largely to bridge until I receive my sizeable tax return in February and my summer salary next summer.

Monthly net income: $
8000
Monthly expenses: $
??Housing: $ 700
??Insurance: $ 145
??Car expenses: $ 1030
??Utilities: $ 400
??Phone, cable, internet: $ 150
??Food, entertainment: $ 700
??Clothing, household expenses $ 800
??Credit cards and other loans: $ 300
??Other expenses: $ 1200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428631
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 9.01% Starting borrower rate/APR: 10.01% / 10.35% Starting monthly payment: $32.27
 
Auction yield range: 3.27% - 9.01% Estimated loss impact: 0.61%  
Lender servicing fee: 1.00% Estimated return: 8.40%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 10 First credit line: Oct-2007 Debt/Income ratio: 1%
Credit score: 720-740 (Oct-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 2Length of status:8y 7m
Amount delinquent: $0 Revolving credit balance: $152 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 2%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: noble-revenue Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Reliable Investment
Allow me to pay you to improve my credit.? This loan will be reinvested in prosper.A little about me:
Apart from my job I have a business.? www.sorren.com/promo/freetrial/?refID=1&source=prosper will allow prosper members 8 free rentals and a premium trial at sorren.com.Monthly Job Income: 4,475
Expenses: 445
HSA, IRA, 529: 834
Surplus: $3,196I added over $5,000 to prosper this month due to a 2% lending incentive.Learning from my parents, I avoided debt.? I did not have a cc until about 2 years ago.? I learned credit is important; borrowing for investments and decreasing expenses can be good.Future plans:
I learned a new method for building homes with R50 insulated walls as a volunteer in Greensburg.? After my wife gets her masters we plan to build a home.? Excellent credit will cut the loan interest.? This prosper loan will improve my rating and profit you.? It has already helped me to become a better lender.? Please ask questions, I am out of space.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428641
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $144.76
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 5 First credit line: Oct-1997 Debt/Income ratio: 35%
Credit score: 660-680 (Sep-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 13Length of status:3y 11m
Amount delinquent: $0 Revolving credit balance: $6,580 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: enchanted-justice 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
Home Improvement Project
Purpose of loan:
This loan will be used to? allow us to make home improvements and more.? We have a rather unique situation that we hope you'll consider: My elderly widowed mother-in-law currently lives by herself in a rural area nearby on 4.5 acres and in a house that is increasingly in need of repairs.? She is in good health (breast cancer survivor for almost 10 years!) but due to natural aging she is in greater need of us to help her around the house.? We are in the process of repairing and remodeling her place so that we can sell it so that she can live with us.? Also, my husband & I are living in a small, cramped apartment and are wanting to start a family and have children but we have no room where we are.? By selling the house (which does not have a mortgage against it) we can take the proceeds, coupled with our rent money, and buy a modest place (in this great buyers market) that will be suitable for the three of us and to raise a child or two.? This loan will allow us to finish the improvements and repairs to the house.? We are currently remodeling the kitchen, including replacing the cabinets (which are deteriorating and coming off the hinges), and are wanting to do some painting and other repairs as well.? Some small amount of this loan may also be used for husband's dental work (crown and possible root canal) and for car repairs.? My husband is currently self-employed making money doing computer work, but his income is not steady right now.? This listing is based on my own income at my steady job, not including anything from my husband's work (which would add to our overall income).? My mother-in-law will also be contributing to pay back this loan.? Actually, we plan to pay off this loan within a few months (toward the end of this year or maybe early next year) after we finish making the improvements & repairs and then selling the house.? Once we sell the house we would easily have the means and would be eager to pay back this loan in full.


My financial situation:
I am a good candidate for this loan because? I have stable employment.? I am very frugal and careful with my expenses.? I have never defaulted or been late on any bills or payments of any kind.? I would never ask for a loan unless I absolutely expected to be able to pay it back.? I just need a little help temporarily.

Monthly net income: $ 2600 (household)

Monthly expenses: $ 2195
??Housing: $ 695
??Insurance: $ 450 (health, auto, & life)
??Car expenses: $ 100 (fuel)
??Utilities: $ 100
??Phone, cable, internet: $?50
??Food, entertainment: $ 100
??Clothing, household expenses $ 35
??Credit cards and other loans: $ 625
??Other expenses: $ 40
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428647
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 4 First credit line: Mar-1995 Debt/Income ratio: Not calculated
Credit score: 720-740 (Oct-2009) Current / open credit lines: 13 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $6,431 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 17%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: spiritual-affluence Borrower's state: Pennsylvania 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
Inspirational Toys - Pat's Puzzles
Start-Up Puzzle Business:
This loan will be used to start a puzzle business. The concept is genius, the process is simple, the numbers are impressive. The puzzle is an American staple. A growing trend in America is the idea of "self-improvement". Pat's Puzzles markets towards parents who take initiative to give their children the gift of wisdom and understanding. Why we will succeed, just inquire. Message me, and I'll be glad to detail our plans. I'd be more than willing to fill you in. I'd rather keep information private, as our concept is not patented.

I currently have $5,500 available for investing, although I like to keep that capital saved, in the event any unforeseen expense arrives. :
I am a good candidate for this loan because I am reliable. I am very hard worker. I have run a service business in the past for large profits. I've won 1st place in PA state business competitions. I've been awarded business scholarships and I've attended several business seminars. I am a marketing major, and my network consists of brilliant business minds. The money I am asking for can be easily re-paid with the assistance of parents, and personal lines of credit. I can supply any lender with business plans, letters of recommendation, proof of concept, and other supporting documents.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428663
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 36.00% / 38.47% Starting monthly payment: $91.61
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 4 First credit line: Jan-1999 Debt/Income ratio: Not calculated
Credit score: 640-660 (Oct-2009) Current / open credit lines: 6 / 4Employment status:Not employed
Now delinquent: 2 Total credit lines: 17Length of status:0y 4m
Amount delinquent: $253 Revolving credit balance: $2,493Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: relentless-auction 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 of my debts
Purpose of loan:
This loan will be used to?
pay off my bill that i wanna get out off.????
My financial situation:
I am a good candidate for this loan because?
i would 100% pay back
Monthly net income: $
1000
Monthly expenses: $
??Housing: $ 150????
??Insurance: $ 50
??Car expenses: $100
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 80
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428118
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 First credit line: Jul-2002 Debt/Income ratio: 34%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 22Length of status:7y 2m
Amount delinquent: $0 Revolving credit balance: $4,163 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 54%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 5    
Screen name: orange-worth-thinker 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
Pay off / Refinance debt
Purpose of loan:
This loan will be used to refinance as much of my time share mortgage as possible.

My financial situation:
I am a good candidate for this loan because I have always paid my loans on-time and successfully.

Monthly net income: $4500

Monthly expenses: $
??Housing: $550
??Insurance: $50
??Car expenses: $100
??Utilities: $50
??Phone, cable, internet: $50
??Food, entertainment: $300
??Clothing, household expenses $200
??Credit cards and other loans: $1600
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428124
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $316.65
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 5 First credit line: Sep-1987 Debt/Income ratio: 26%
Credit score: 660-680 (Oct-2009) Current / open credit lines: 16 / 15Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 27Length of status:9y 5m
Amount delinquent: $640 Revolving credit balance: $37,299 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 94%Stated income:$100,000+
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: balance-magnolia Borrower's state: Idaho 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 credit cards
Purpose of loan:
This loan will be used to consolidate some high-rate credit cards.

My financial situation:
I am a good candidate for this loan because my credit rate is low for several factors:? I was paying on-time but over the past year my credit lines were decreased on some credit cards which means that my credit score went down.? Then, one bank in particular increased the APR and was asking for over $1k per month for that card.? i couldn't pay that and everything else so I started paying less than the minimum on that card.? i want to get back to having good credit.? My mortgage and my car payment have always been paid on time as have most of my credit cards.? i just need help to start again.

Monthly net income: $ 5k

Monthly expenses: $
??Housing: $ 2,050
??Insurance: $ 50
??Car expenses: $ 600
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 2,000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428136
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 17.07% Starting borrower rate/APR: 18.07% / 20.28% Starting monthly payment: $361.88
 
Auction yield range: 6.27% - 17.07% Estimated loss impact: 5.30%  
Lender servicing fee: 1.00% Estimated return: 11.77%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 8 First credit line: Jan-1982 Debt/Income ratio: 19%
Credit score: 720-740 (Oct-2009) Current / open credit lines: 20 / 18Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 55Length of status:8y 1m
Amount delinquent: $0 Revolving credit balance: $19,890 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 74%Stated income:$100,000+
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: a-payout-enchilada 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
Payoff Home Improvement Costs
Purpose of loan:
This loan will be used to payoff home improvements recently done on a new home, purchased at the end of 2008 in a short sale.

My financial situation:
I am a good candidate for this loan because I have the means to pay the loan on time.? I have a?excellent payment history and reliable employment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428160
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.53% Starting borrower rate/APR: 26.53% / 28.86% Starting monthly payment: $405.73
 
Auction yield range: 11.27% - 25.53% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.90%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 7 First credit line: Sep-1982 Debt/Income ratio: 25%
Credit score: 680-700 (Oct-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 46Length of status:19y 3m
Amount delinquent: $0 Revolving credit balance: $34,042 Occupation: Fireman
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 80%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: auction-tuba 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
Small law firm start up needs cash
Purpose of loan:
This loan will be used to provide start up capital for a solo practitioner attorney who will be providing representation for nurses and other allied healthcare providers. ??

My financial situation:
I am a good candidate for this loan because I am exceedingly careful with OPM.? I have made one mistake in my life business-wise, trusting the wrong person, a mistake I will not be making ever again (hence a not-stellar credit rating).? However, I am starting this firm while I am still employed with a flexible government job (municipal, so no conflicts of interest with my representation of individual nurses before state agencies).

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428278
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,200.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 5.00% Starting borrower rate/APR: 6.00% / 6.34% Starting monthly payment: $36.51
 
Auction yield range: 3.27% - 5.00% Estimated loss impact: 0.59%  
Lender servicing fee: 1.00% Estimated return: 4.41%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 10 First credit line: Sep-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-760 (Oct-2009) Current / open credit lines: 4 / 4Employment status:Self-employed
Now delinquent: 0 Total credit lines: 7Length of status:4y 2m
Amount delinquent: $0 Revolving credit balance: $13,281 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 39%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: precious-dough 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
Visa Payment, Medical Bills
Purpose of loan:
This loan will be used to? pay off my credit card balance, because my credit card APR is extremely high and I have medical bills that I could not pay for in full at the time of service.?

My financial situation:
I am a good candidate for this loan because? I have a thousand + dollars in medical bills right now due to a high deductible insurance plan.? I am a GREAT candidate for a loan because I have had a credit card since I was 15 and have never missed a minimum payment.? I am extremely responsible with monthly bills, and it is a huge priority to me to get out of the debt that I have accrued from medical bills.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428284
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 12.42% Starting borrower rate/APR: 13.42% / 15.57% Starting monthly payment: $406.76
 
Auction yield range: 4.27% - 12.42% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 10.28%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 9 First credit line: Nov-1992 Debt/Income ratio: 40%
Credit score: 740-760 (Oct-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:7y 3m
Amount delinquent: $0 Revolving credit balance: $67,923 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 37%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: organized-agreement 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 off a Personal Loan
Purpose of loan:
I intend to use this loan to start to pay off an unsecured personal loan I obtained with Bank of America approximately 1.5 years ago. I originally obtained the loan in order to consolidate my debt (wedding, kids, etc.). I received a fixed low interest rate and I was on a plan to become debt free in about 6 years. Recently, with the dramatic change in the economy, B of A no longer offers these types of loans and they have decided to change the terms of all unsecured loans from a fixed interest rate to a variable rate commencing January 2010. In fear of what will happen to my monthly payment, I hope to obtain a new loan with a possible lower interest rate that I plan to pay off in a timely manner.

My financial situation:
I am an excellent candidate for this loan as I have GREAT credit and have never fallen behind on a single payment, whether it be credit cards, utilities, car payments, etc. I hope to be debt free soon, while still maintaining excellent credit, so that one day my husband and I can buy a home! I have an extremely stable job that I have been with for over 7 years. I work for a family business in property management. It is owned by my extended family and run primarily by my sister and I. My primary goal is to become completely debt free so that possibly one day I may be on the other end of the spectrum...and be the lender rather than the borrower!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428302
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 16.07% Starting borrower rate/APR: 17.07% / 19.27% Starting monthly payment: $535.31
 
Auction yield range: 11.27% - 16.07% Estimated loss impact: 10.37%  
Lender servicing fee: 1.00% Estimated return: 5.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 6 First credit line: Mar-1992 Debt/Income ratio: 13%
Credit score: 740-760 (Oct-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 22Length of status:6y 6m
Amount delinquent: $0 Revolving credit balance: $18,619 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 54%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: dough-brilliance2 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
Business Upgrade
Purpose of loan:
This loan will be used to buy an equipment for my business to increase clientele. Our company exists since 2006. We are a Full Service Medical Spa and Wellness Center. ?We?re located in a strip mall directly across from one of the most concurrent shopping mall in South Florida metropolitan area where an affluent part of town usually frequents. ?Our retail location is A-type rated and we have secured a 10-year lease at this facility.? Our target clientele is 70% women and 30% male in their 30?s, 40?s, and early 50?s encompass by upper-middle-class career-person, Mr. or Ms. professional, or average middle-class career-person: Mr. or Ms. hard worker. ?My wife is responsible for the day-to-day operations of the clinic and I am responsible for the sales and marketing components. ?She has been a medical aesthetician involved in health and beauty sector for over 10 years and she has a deep understanding on how to cater to this selected audience of clients.?

My financial situation: ??


I am a good candidate for this loan because..

.
1. I have a very good full-time job (software engineer) earning?$96,000/yr?


2. My mortgage is only $1400


3. My car paid


4. My wife car is also paid


5. We only have $300 in utilities
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428314
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 5 First credit line: Apr-2005 Debt/Income ratio: 41%
Credit score: 600-620 (Oct-2009) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:3y 8m
Amount delinquent: $0 Revolving credit balance: $3,518 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 99%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: prietochulo Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 100% ) 600-620 (Latest)
Principal borrowed: $3,001.00< mo. late: 0 ( 0% )  
600-620 (Aug-2009)
580-600 (Jan-2008)
 
Principal balance: $1,637.41 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Looking To Consolidate Payments
Purpose of loan:
This loan will be used?to consolidate payments. I also need this money due to death in the family having to travel to Puerto Rico Setting me back on the little bit of saved money i had. Yes, questions can be asked about death, i have letters along with pictures to prove.?I am here sincerely needing the money after being turned away due to my credit. I turned to prosper because on the loan i have now i was approved and never?dissapointed?helping my situation out.

My financial situation:
I am a good candidate for this loan because as you can see about a year and a half ago i asked for a loan and it was granted. Since day one the payments have been coming straight of my account and i have not defaulted on a single payment, they have been made on time and always. You will not be dissapointed.

Monthly net income: $ 2968.42
Monthly expenses: $ 2410.00
??Housing: $ 840.00
??Insurance: $ 90.00
??Car/Motorcycle expenses: $?600.00
??Utilities: $ 120.00
??Phone, cable, internet: $ 30.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $?200.00
??Other expenses: $ 80.00 for gas
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428320
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $148.65
 
Auction yield range: 17.27% - 19.00% Estimated loss impact: 26.06%  
Lender servicing fee: 1.00% Estimated return: -7.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 3 First credit line: Aug-1992 Debt/Income ratio: Not calculated
Credit score: 660-680 (Oct-2009) Current / open credit lines: 15 / 12Employment status:Not employed
Now delinquent: 0 Total credit lines: 42Length of status:4y 4m
Amount delinquent: $0 Revolving credit balance: $32,149Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 100% 
Delinquencies in last 7y: 5 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: intelligent-repayment Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Purchase Inventory, Etc
Purpose of loan:
This loan will be used to outsource some business tasks and purchase inventory for my husband?s small business.? He sells re-conditioned auto parts and supplies to repair shops and independent mechanics. He has been in business for 4-1/2 years and has done well until last spring, when his business partner had to exit the business for medical reasons. Since then he has done a good job juggling the work previously handled by two, but the increased workload has taken a toll on his ability to maximize sales, which is his specialty. He has also reduced the overhead of the business by moving into a smaller warehouse.? About 30% of the loan funds will be used to outsource some of the business tasks, allowing him to focus on sales. The remaining 70% will be used to buy his inventory in bulk which will lower his cost of goods sold.

My financial situation:
I am a good candidate for this loan because my husband and I have always paid our bills and never defaulted on a financial obligation. We have been late a few times during the last year due to the situation explained above. I am a certified Teacher with a Master?s Degree in Special Education and over 10 years of teaching experience and credentials. I am not currently working, due to having my second child, but I have many excellent opportunities to return to teaching next year due to my specialization.? My husband has worked as a Certified Mechanic and over 5 years in Customer Service.? He has a 4 Year Bachelor?s Degree and a 2 Year Associate?s Degree in Automotive Technology. There is a very strong demand for the products he sells despite a rough economy. This is because his customers need these supplies and he provides them at a cost far below what they would cost new.? His customer service philosophy is just as strong as his work ethic, and the two are the reason his business is still in operation.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428326
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 17.27% Starting borrower rate/APR: 18.27% / 20.48% Starting monthly payment: $725.76
 
Auction yield range: 17.27% - 17.27% Estimated loss impact: 25.95%  
Lender servicing fee: 1.00% Estimated return: -8.68%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 2 First credit line: Oct-2001 Debt/Income ratio: Not calculated
Credit score: 640-660 (Oct-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:0y 8m
Amount delinquent: $0 Revolving credit balance: $21,362 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: credible-auction 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
Paying of credit cards.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428492
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 15.00% Starting borrower rate/APR: 17.00% / 19.20% Starting monthly payment: $320.87
 
Auction yield range: 8.27% - 15.00% Estimated loss impact: 8.84%  
Lender servicing fee: 1.00% Estimated return: 6.16%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 4 First credit line: Feb-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-800 (Oct-2009) Current / open credit lines: 8 / 7Employment status:Self-employed
Now delinquent: 0 Total credit lines: 18Length of status:2y 9m
Amount delinquent: $0 Revolving credit balance: $8,531 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 52%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: repayment-cycle Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Looking to buy a sidewalk tractor
Purpose of loan:
?????I?have a contract to remove snow from?13 miles of?sidewalks in a local municipality.? Its a multi-year contract and I bought two tractors last year.?We get paid 185 per hour per tractor.? Last year I did 100,000 in revenue in Snow removal with the city.?I am looking to expand my fleet to 3 tractors this year as I can get additional work with the city.??They clear over 35 miles of sidewalks and when machines break downs?we are the first contractor they call to fill in.? Last year we were only able to help the city once, because it takes both of our tractors to meet our present contract obligations.??I would really like to get the?third tractor?so I can bill $555 per hour instead of $370.???

The tractor costs 10,000 dollars and I am going to fund 1,000 from operations. It comes equipped with a snow blower and a sander.? The snow blower brand new would cost 10,000 alone and these are nearly impossible to find used. Last year we spent 80,000 on two tractors, v blades, straight blades and snow blowers.?

My financial situation:
I am an owner of Clarke painting.
We have done approximately?600,000 in sales for the last 3 years. (happy to maintain that number in this years recession)
We do about 50,000 a month in revenue and have 8 full time employees and a couple of subcontractors.
We own two investment properties that make us about 1,000 a month in income (after expenses)

Currently we have about 380,000 in debt
We currently have about 500,000 in equity
The companies total equity is approximately 120,000.

As an owner, I only make about 35,000 because almost all of our money goes back into growing the company.
The company will be making the payment on the loan and is current on all bills.

Check us out on the web - www.clarkepaint.com
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428498
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $126.66
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 5 First credit line: Mar-2001 Debt/Income ratio: 30%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 14 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:6y 3m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: repayment-circuitry4 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for college
Purpose of loan:
This loan will be used to pay off college tuition, and buy materials need for my classes.

My financial situation:
I am a good candidate for this loan because I work to keep a decent credit, and I am very responsible? and sensible when it come to finances.

Monthly net income: $ 4,300

Monthly expenses: $
??Housing: $? 250
??Insurance: $? 175
??Car expenses: $ 450
??Utilities: $ 60
??Phone, cable, internet: $ 75
??Food, entertainment: $ 75
??Clothing, household expenses $ 30
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428504
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.47% Starting borrower rate/APR: 27.47% / 29.81% Starting monthly payment: $82.16
 
Auction yield range: 11.27% - 26.47% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 8 First credit line: May-1996 Debt/Income ratio: 30%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 13 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:7y 0m
Amount delinquent: $0 Revolving credit balance: $9,711 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 96%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: hcpc1313 Borrower's state: Virginia Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 640-660 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
600-620 (May-2008)
580-600 (Aug-2006)
 
Principal balance: $1,742.79 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Helping A Sister In Need
Purpose of loan:
This loan will be used to?
Help my sister. Like millions of people, my sister has been affected by the recession,
losing her job of 24yrs. Having been unemployed for 10 months now, she is close to
having to make the tough decisions, like selling her home of 15yrs. to avoid foreclosure.
Well thankfully it has not come down to that, and i want to help her stay in the home
she has come to adore, so that is what this loan would do.

My financial situation:
I am a good candidate for this loan because?
I have stable employment/income, in a very stable and growing field(info technology).
I have a proven track record for paying on time and as agreed upon. I have been employed at the same company for 7yrs.

Monthly net income: $
4,200
Monthly expenses: $
??Housing: $ 825
??Insurance: $ 80
??Car expenses: $
??Utilities: $ 150
??Phone, cable, internet: $ 80
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 425
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428506
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $17,650.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 21.00% Starting borrower rate/APR: 22.00% / 24.26% Starting monthly payment: $674.06
 
Auction yield range: 17.27% - 21.00% Estimated loss impact: 35.69%  
Lender servicing fee: 1.00% Estimated return: -14.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 First credit line: Sep-1997 Debt/Income ratio: 20%
Credit score: 680-700 (Oct-2009) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:0y 7m
Amount delinquent: $0 Revolving credit balance: $18,563 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 7    
Screen name: durable-balance 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
Consolidating credit cards
Purpose of loan:
This loan will be used to?

The bulk of this loan (13k) is to pay off an HFC line-of-credit which is an interest-only payment at 30% interest. The rest is to pay off my Wells Fargo credit card and a few low balances on store credit cards with high rates. Since taking out the HFC loan in 2007, at 30% interest I have paid them $8500 with my $335/mo payments. I want nothing more than to see an end to this loan in sight.

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

I am a Regional Controller with my CPA license, and my job industry and education keeps me from experiencing job scares in this economy. I have a budget that I am religious about, all bills are paid first according to my budget then marked off. With a wife and two children, every month is the same bill-wise and I have no problems with the ability to make all payments, in full and on time. My wife stays at home with our two small children, but is always able to work in her former career if she wanted or needed to. My credit history shows all payments have always been paid on time with no lates.

Monthly net income: $8228

Monthly expenses: $7295
??Housing:?$3365?
??Insurance: $78
??Car expenses: $950
??Utilities: $380
??Phone, cable, internet: $215
??Food, entertainment, clothing, household expenses: $1600
??Credit cards and other loans: $707
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428508
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,050.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 10.59% Starting borrower rate/APR: 11.59% / 11.94% Starting monthly payment: $166.75
 
Auction yield range: 3.27% - 10.59% Estimated loss impact: 0.61%  
Lender servicing fee: 1.00% Estimated return: 9.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 10 First credit line: Dec-1996 Debt/Income ratio: 6%
Credit score: 860-880 (Oct-2009) Current / open credit lines: 8 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:9y 7m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: goal-transaction3 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
2006 Kia Sedona LX Van
This loan is for a 2006 Kia Sedona. Here is the link to the car.

http://1st-class-imports.ebizautos.com/detail-2006-kia-sedona-lx-4681982.html

This car is hard to find for under 13k anywhere else, and I have picked it up for 9500. I have already paid cash for it, but I want to get a little of the cash back for any emergencies.

I have a very stable job for 9+ yrs, a bachelor degree, and a wife that also works, and has a degree. I have no current debt other then a student loan and mortgage.

Full disclosure: I am also seeking the same loan in a few differently places. From my Credit Cards via balance transfers. From my current bank and from another P2P site. I will only take the loan that gives me the best terms. Or if no loan meets my satisfaction I will not take any, and just leave my cash balance a little lower then I like.

Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428510
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $203.69
 
Auction yield range: 3.27% - 7.00% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.50%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 9 First credit line: Nov-1998 Debt/Income ratio: 7%
Credit score: 800-820 (Oct-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 11Length of status:4y 5m
Amount delinquent: $0 Revolving credit balance: $619 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 5%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Student_Capital Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Friend Helping Friend
Purpose:
This loan will be used to help a friend to consolidate his debt while finishing his medical degree, his former employer downsized.? Because of this he went from having one good job to having to work multiple lesser jobs just to stay in school.

Situation:
I have a steady job and a good income which I live on and pay my bills without having to rely on overtime or bonuses.? I own my home and drive a paid for vehicle.? I have also taken a 401k loan out for $13,000 which I had planned on home improvements.? One way or another I will help him out.? Thank you for your interest.

Monthly Net Income: $ 2000.00
Monthly Expenses: $ 1110.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428516
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 10.33% Starting borrower rate/APR: 11.33% / 13.45% Starting monthly payment: $131.58
 
Auction yield range: 4.27% - 10.33% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.20%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 8 First credit line: Mar-2004 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-780 (Oct-2009) Current / open credit lines: 1 / 1Employment status:Self-employed
Now delinquent: 0 Total credit lines: 5Length of status:2y 4m
Amount delinquent: $0 Revolving credit balance: $8 Occupation: Investor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: acrobat1 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
Paying off Personal Credit Card
Purpose of loan:
This loan will be used to?
?This loan will serve as payment for debt resulting from a recent credit card transaction.
My financial situation:
I am a good candidate for this loan because? .?
The purpose of the loan is to mantain cash reserves for the off-season of my moving and real estate?business.?I just recently purchased a 2005 Chevy Box Truck 54,500 miles from ebay for $8700 cash.?For several years I?have maintained an excellent credit score with all 3 bureaus. I have very little personal debt, since I pay all loans and credit transactions early and in full.?I have consistently held a record of paying all debt off early. I own my cars out right and they were paid for in cash. The loan will be paid off early. I?have more than $15,000, tied into the stock market, which has been doing ok, but its with time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428518
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 12.00% Starting borrower rate/APR: 13.00% / 15.14% Starting monthly payment: $842.35
 
Auction yield range: 11.27% - 12.00% Estimated loss impact: 10.26%  
Lender servicing fee: 1.00% Estimated return: 1.74%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 6 First credit line: Mar-1989 Debt/Income ratio: 29%
Credit score: 760-780 (Oct-2009) Current / open credit lines: 16 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:22y 6m
Amount delinquent: $0 Revolving credit balance: $28,795 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 66%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: a-independent-platinum Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to payoff credit cards? I've gone through knee surgery and 5 broken ribs in the past year and a half or so and I had to use some credit... Would like to pay them off and get debt free; my mortgage on my primary home is only 15 yrs; would like to be debt free within the next 3 years and just have the mortgage payment; looking forward to retiring once the mortgage is paid off;
My financial situation:
I am a good candidate for this loan because I have good credit; been at my job for 21 years; spouse is employed with same annual income; she has been in same business for 20 years; i own 3 automobiles and 2 jet skiis free and clear if you'd like titles; part of the credit being paid off is interest fee loans that will be coming due in a couple of months; i've got a 401k with over $150k in it;
Thank you for your consideration!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428522
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.27% Starting borrower rate/APR: 18.27% / 20.48% Starting monthly payment: $181.44
 
Auction yield range: 17.27% - 17.27% Estimated loss impact: 18.95%  
Lender servicing fee: 1.00% Estimated return: -1.68%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 5 First credit line: Apr-1999 Debt/Income ratio: 42%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 17 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:3y 5m
Amount delinquent: $0 Revolving credit balance: $11,570 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 85%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 4    
Screen name: money-investor 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 off my credit cards
Purpose of loan:
This loan will be used to pay off my credit cards with high %.

My financial situation:
I am a good candidate for this loan because?I?always pay bills ontime. I am a responsible person and?really want to have?my finance in control.?

Monthly net income: $ 1600

Monthly expenses: $ 1400
??Housing: $?200
??Insurance: $?0
??Car expenses: $ 350
??Utilities: $?0
??Phone, cable, internet: $ 100
??Food, entertainment: $?200
??Clothing, household expenses $?0
??Credit cards and other loans: $ 550
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428524
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 2 First credit line: Jun-1999 Debt/Income ratio: 11%
Credit score: 600-620 (Oct-2009) Current / open credit lines: 9 / 7Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 52Length of status:26y 2m
Amount delinquent: $1,026 Revolving credit balance: $1,555 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 4 Bankcard utilization: 103%Stated income:$50,000-$74,999
Delinquencies in last 7y: 21 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: ArmyVet53-needhelp Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 49 ( 92% ) 600-620 (Latest)
Principal borrowed: $6,032.00< mo. late: 4 ( 8% )  
600-620 (Aug-2009)
620-640 (Apr-2009)
560-580 (Mar-2008)
560-580 (Feb-2008)
 
Principal balance: $1,894.26 1+ mo. late: 0 ( 0% )
Total payments billed: 53  
Description
Car repairs
Hello Lenders':

The purpose of this loan is for car (fuel pump) repairs, etc. My car stopped several months ago, I thought that I would have has it repaired by now - but, I have been helping my daughter with her bills. She?s in college ? and when she received her refund check, she purchase a car. Now, she does not have a job - and I have been paying car insurance, and buying gas for the car, so she can get to school. In addition to this, I make sure her credit card bills are paid, because I do not want her credit to be like mine. Also, I send money to my son who is incarcerated, thus leaving me short of funds. Sometime family members and others need help and I try to assist when I can. Now, I need some assistance, but I have no one to ask ? this is why I am requesting loan though Prosper, again.

Please... help!

Any assistance you can provide would be greatly appreciated.

Thank you.

Annual Salary:????????????$51,594, Biweekly: $1321.95? Monthly:? $2,642.00
Monthly Expenses:?
?? Mortgage????????????????$888.63
???Utilities???????????????????$200.00
???Cellphone??????????????? ?$45.00???
???Credit Cds/Loans?????$200.00
???Car Pymt??????????????? $150.00
???Car Ins?????????????????? $113.00
?? Cable/Internet?????????? $60.00
?? Prosper????????????????? $135.75

Public Record Delingencies:? State Tax Lien - arrangement made with Georgia Dept. of ?Revenue to pay taxes ($70) per month through Payroll Deduction.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428526
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,200.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.47% Starting borrower rate/APR: 27.47% / 29.81% Starting monthly payment: $90.37
 
Auction yield range: 11.27% - 26.47% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 8 First credit line: May-2005 Debt/Income ratio: 31%
Credit score: 680-700 (Oct-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 4Length of status:2y 1m
Amount delinquent: $0 Revolving credit balance: $1,648 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 65%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: silver-achievement 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
Looking to start a new place
Purpose of loan:
This loan will be used to? move into a new place with a significant other and begin a new phase of life.

My financial situation:
I am a good candidate for this loan because? I make payments on time and understand the commitments involved. I have goals in hand that I would so dearly like to meet. I am responsible, and have a big picture outlook.

Monthly net income: $ 1524.25

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428528
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 11.51% Starting borrower rate/APR: 12.51% / 14.65% Starting monthly payment: $83.65
 
Auction yield range: 4.27% - 11.51% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 9.37%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 9 First credit line: Mar-2000 Debt/Income ratio: 9%
Credit score: 720-740 (Oct-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:7y 5m
Amount delinquent: $0 Revolving credit balance: $2,429 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 19%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: generous-community0 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
Brenda'sGift For Son
Purpose of loan:
This loan will be used to further my sons education at New York University Graduate School.

My financial situation:
I am a good candidate for this loan because my credit is decent and its for my son. He has completed his B.S. at NYU this May 2009. He is now going to graduate school and needs a little extra money. Though he started late in his life, I'm so proud of his accomplishments, goals, and priorities.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428534
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $16,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $594.62
 
Auction yield range: 17.27% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 5 First credit line: Oct-2000 Debt/Income ratio: 17%
Credit score: 720-740 (Oct-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:1y 3m
Amount delinquent: $0 Revolving credit balance: $117,132 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 76%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: wealth-trapper Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Vending Route
Purpose of loan:
This loan will be used to buying a vending route. The vending route is for snacks and drinks and located in a very profitable location.

My financial situation:
I am a good candidate for this loan because I make my payments in a timely manner and have a very good business acumen which will have this loan repaid without default and in a timely fashion.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428538
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $633.30
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 3 First credit line: Sep-2003 Debt/Income ratio: 51%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:1y 7m
Amount delinquent: $0 Revolving credit balance: $7,113 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: tiggerkitty129 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
Consolidating debt & paying off CCs
Purpose of loan:
This loan will be used to consolidate my debt to receive a lower APR. After make unwise credit decisions, I would like to consolidate my loans and credit. I have extremely high interest on my credit cards and would like to have my loans consolidated with a decent interest rate. I have been employed full-time as an Account Executive for almost 2 years after graduating from college and pay my bills on time.

My financial situation:
I am a good candidate for this loan because I am employed full time, am reliable?and a pay my bills on time.

Monthly net income: $ 2,500

Monthly expenses: $ 1,849
Housing: $ 450
Insurance: $ 108
Car expenses: $ 165
Utilities: $ 25
Phone, cable, internet: $ 25
Food, entertainment: $ 100
Clothing, household expenses $ 25
Credit cards and other loans: $901
Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428542
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.90% Starting borrower rate/APR: 9.90% / 12.01% Starting monthly payment: $64.44
 
Auction yield range: 4.27% - 8.90% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.78%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 9 First credit line: Mar-1981 Debt/Income ratio: Not calculated
Credit score: 740-760 (Oct-2009) Current / open credit lines: 11 / 11Employment status:Retired
Now delinquent: 0 Total credit lines: 28Length of status:2y 2m
Amount delinquent: $0 Revolving credit balance: $12,801Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 33% 
Delinquencies in last 7y: 4 Homeownership: No  
Inquiries last 6m: 2    
Screen name: MAYBROOK Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
REINVEST IN PROSPER
Purpose of loan:
This loan will be used to? REINVEST IN PROSPER.....I HAVE WATCHED HOW WELL THE COMMUNITY WORKS AND HAS FOR MYSELF AS A LENDER AND WANT TO CONTINUE TO PROVIDE HELP TO THOSE IN THE FUTURE!

My financial situation:
I am a good candidate for this loan because?I HAVE MANAGED MY ACCOUNTS FOR SEVERAL DECADES AND MAINTAINED A GOOD CREDIT HISTORY.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428544
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 4 First credit line: Aug-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-660 (Oct-2009) Current / open credit lines: 12 / 12Employment status:Self-employed
Now delinquent: 0 Total credit lines: 18Length of status:0y 1m
Amount delinquent: $0 Revolving credit balance: $5,281 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 47%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: bill-architect 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
FUEL FUND
Purpose of loan:
This loan will be used to?FUND FUEL ACCOUNT SO MY DRIVER CAN START WORKING AGAIN?

My financial situation:
I am a good candidate for this loan because? HARD WORKING AND HAVE A GOOD HEAD FOR BUSINESS.?????

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 803????
??Insurance: $ 85
??Car expenses: $ 100
??Utilities: $ 400
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 250
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428548
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,800.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 13.52% Starting borrower rate/APR: 14.52% / 16.68% Starting monthly payment: $61.98
 
Auction yield range: 4.27% - 13.52% Estimated loss impact: 2.15%  
Lender servicing fee: 1.00% Estimated return: 11.37%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 9 First credit line: Sep-2000 Debt/Income ratio: Not calculated
Credit score: 700-720 (Oct-2009) Current / open credit lines: 8 / 8Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 22Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $4,326 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 54%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: interest-sunshine4 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
Purpose of loan:
The funds from this loan will be used to Consolidate credit card debt and save me money on interest and to build a good relationship with the prosper community.

My financial situation:
I am a good candidate for this loan because i have always paid my bills on time and have no late payments on file.? Me and my Fiancee combined make 10K per month before taxes.?? We are currently saving as much as possible to build our new home soon.

Monthly net income: $ 2,200 Me , My fiance 8,000.? Total 10,200 Gross

Monthly expenses: $ 1650
??Housing: $ 500
??Insurance: $ 150
??Car expenses: $ 100
??Utilities: $ 105
??Phone, cable, internet: $ 80
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $ 160
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428550
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 33.30% Starting borrower rate/APR: 34.30% / 36.74% Starting monthly payment: $179.36
 
Auction yield range: 17.27% - 33.30% Estimated loss impact: 19.97%  
Lender servicing fee: 1.00% Estimated return: 13.33%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 5 First credit line: Apr-1996 Debt/Income ratio: 13%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 5 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:2y 1m
Amount delinquent: $0 Revolving credit balance: $49 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 1    
Screen name: green-precious-order Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit card
Purpose of loan:
This loan will be used to?Credit Card?

My financial situation:
I am a good candidate for this loan because? I have a good work history and good about paying my debt back

Monthly net income: $ 2,600

Monthly expenses: $
??Housing: $
??Insurance: $?75.00
??Car expenses: $ 300.00
??Utilities: $ 100.00
??Phone, cable, internet: $
??Food, entertainment: $ 75.00
??Clothing, household expenses $ 25.00
??Credit cards and other loans: $ 340.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428552
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 8.17% Starting borrower rate/APR: 9.17% / 9.51% Starting monthly payment: $79.70
 
Auction yield range: 3.27% - 8.17% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 7.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 10 First credit line: Oct-1988 Debt/Income ratio: 11%
Credit score: 760-780 (Oct-2009) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:8y 1m
Amount delinquent: $0 Revolving credit balance: $9,130 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 15%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: razor3 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
TRAVEL
Purpose of loan:
This loan will be used to? SUPPORT TRAVEL ABROAD

My financial situation:
I am a good candidate for this loan because? I HAVE A SECOND JOB AS ADDED INCOME
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428558
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 31.50% Starting borrower rate/APR: 32.50% / 34.92% Starting monthly payment: $87.66
 
Auction yield range: 11.27% - 31.50% Estimated loss impact: 10.80%  
Lender servicing fee: 1.00% Estimated return: 20.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 7 First credit line: May-2001 Debt/Income ratio: 16%
Credit score: 720-740 (Oct-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:3y 2m
Amount delinquent: $0 Revolving credit balance: $93 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 44 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: entrepreneur1983 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 720-740 (Latest)
Principal borrowed: $2,175.00< mo. late: 0 ( 0% )  
700-720 (Sep-2008)
700-720 (Jul-2008)
 
Principal balance: $1,364.41 1+ mo. late: 0 ( 0% )
Total payments billed: 12  
Description
Paying Off Wife's Credit Cards
Purpose of this loan: Will be used to consolidate my wife's credit accounts and decrease her debt to credit ratio.

Delinquencies were from school loans that I couldn't pay at the time, and hurt my credit score tremendously.

Montly Review
My income: $1600
Expenses $595 Mortage
$47 Insurance
$200 Gas
$100 Utilities
$80 Cable
$50 Clothing, Household Items
$150 Entertainment
$100 Cell Phone
$120 School Loan
$100 Life Insurance
$75 Prosper Loan

Wife's Review
Income: $1000
$275 Car
$120 Insurance
$75 Gas
$125 Cell Phone
?$150 Entertainment
$150 Credit Cards

Thank you for looking!

Please note I have a current prosper loan, that has never been late.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428570
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 27.30% Starting borrower rate/APR: 29.30% / 33.31% Starting monthly payment: $42.07
 
Auction yield range: 14.27% - 27.30% Estimated loss impact: 15.24%  
Lender servicing fee: 1.00% Estimated return: 12.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 6 First credit line: Aug-2003 Debt/Income ratio: Not calculated
Credit score: 640-660 (Oct-2009) Current / open credit lines: 12 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:0y 1m
Amount delinquent: $0 Revolving credit balance: $1,364 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: lean-deal6 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
Paying off credit cads
Purpose of loan:
This loan will be used to??? pay off old bills that I have, so that my credit doesn't get too low.

My financial situation:
I am a good candidate for this loan because?? I'm always aware of my financial situation.

Monthly net income: $? 2500

Monthly expenses: $
??Housing: $ 860
??Insurance: $ 150
??Car expenses: $ 300
??Utilities: $ 100
??Phone, cable, internet: $ 120
??Food, entertainment: $? 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428572
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 31.00% Starting borrower rate/APR: 32.00% / 34.41% Starting monthly payment: $1,088.86
 
Auction yield range: 17.27% - 31.00% Estimated loss impact: 19.82%  
Lender servicing fee: 1.00% Estimated return: 11.18%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 4 First credit line: Oct-2005 Debt/Income ratio: 46%
Credit score: 740-760 (Oct-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 11Length of status:1y 3m
Amount delinquent: $0 Revolving credit balance: $2,120 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 7%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: breathtaking-openness Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Moving to a better location/website
I will be using this loan to purchase a 20% share of a fine italian ceramics store in the Vail mountain village. The loan will be used to move the store to a bigger and better store front just up the block from where it resides currently. The new location is right on the corner and the store will definitely be seen better once the new signage is finished. The rest of the loan will go to building a website that has already been designed by a firm out of India and to purchase more inventory before the major tourist season for Vail Colorado starts. This business has been incorporated for one year and has been going with no start-up loan. One loan could really get this business growing.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428582
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.50% Starting borrower rate/APR: 9.50% / 11.60% Starting monthly payment: $192.20
 
Auction yield range: 4.27% - 8.50% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 9 First credit line: Jun-2001 Debt/Income ratio: 18%
Credit score: 740-760 (Oct-2009) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:4y 11m
Amount delinquent: $0 Revolving credit balance: $6,867 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 20%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: affluence-nurse Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
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.
 
Borrower Payment Dependent Notes Series 428584
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.47% Starting borrower rate/APR: 27.47% / 30.08% Starting monthly payment: $61.62
 
Auction yield range: 11.27% - 26.47% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 8 First credit line: Jan-2000 Debt/Income ratio: 36%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 10Length of status:1y 0m
Amount delinquent: $0 Revolving credit balance: $23,261 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: bold-pure-cash 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
I need new tires for my car
Purpose of loan:
This loan will be used to buy new tires for my car.

My financial situation:
I am a good candidate for this loan because I will make my monthly payments on time and I have a full time job.

Monthly net income: $ 1800

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428586
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 5 First credit line: Nov-2006 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-740 (Oct-2009) Current / open credit lines: 8 / 8Employment status:Self-employed
Now delinquent: 0 Total credit lines: 13Length of status:3y 1m
Amount delinquent: $0 Revolving credit balance: $4,759 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 32%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: priceless-note6 Borrower's state: Pennsylvania 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
Studying Abroad
Purpose of loan:
study abroad

My financial situation:
I am a great candidate for this loan because I have cash flow and understand the importance of being on good terms with creditors. Currently, I am a junior studying Entrepreneurship, Finance, and Spanish at Drexel University. I am in my second year of taking Spanish classes and came across an opportunity to travel to Buenos Aires Argentina for 3 months and would use the cash to fund the trip. I work in sales development with OmPay. OmPay developed the smart card for more conveniently paying parking meters and taxis. These cards are sold through out the city of Philadelphia.Thanks for taking the time to review my profile!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428590
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.47% Starting borrower rate/APR: 27.47% / 29.81% Starting monthly payment: $102.69
 
Auction yield range: 11.27% - 26.47% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 7 First credit line: Apr-1995 Debt/Income ratio: 41%
Credit score: 700-720 (Oct-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:12y 7m
Amount delinquent: $0 Revolving credit balance: $90,778 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 100%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: powerful-rate9 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Back on track after medical issue
Purpose of loan:
This loan will be used to help get me back on track after having an unexpected medical leave of absence.? I had to have an emergency?surgery in July and?was out of work for 6 weeks, 3.5 of which weren't paid.? This will help me get everything caught up again after?being without income for almost a month.?

My financial situation:
I am a good candidate for this loan because even without the 3.5 weeks of?income,?I was able to pay my bills on time.??Unfortunately that?meant?maxing out?my credit cards which made my monthly payments?more than I would like.? I have never been so close to my card limits before. ?I would like to pay down some of the balances to consolidate into a lower payment and bring my bank?card utilization lower.?I have good credit and have never been late on?any payments in the past.? I would be a good risk and can afford this monthly payment.? Thank you.? ?

Monthly net income: $3,100

Monthly expenses: $2313
??Housing: $1000
??Insurance: $158
??Car expenses: $
??Utilities: $85
??Phone, cable, internet: $170
??Food, entertainment: $200
??Clothing, household expenses $
??Credit cards and other loans: $700
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428592
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 21.62% Starting borrower rate/APR: 22.62% / 24.89% Starting monthly payment: $770.24
 
Auction yield range: 8.27% - 21.62% Estimated loss impact: 6.71%  
Lender servicing fee: 1.00% Estimated return: 14.91%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 5 First credit line: Jul-1993 Debt/Income ratio: 21%
Credit score: 800-820 (Oct-2009) Current / open credit lines: 13 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 37Length of status:7y 3m
Amount delinquent: $0 Revolving credit balance: $4,506 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 1%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: persistent-compassion Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Help with home improvement
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.
 
Borrower Payment Dependent Notes Series 428596
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $185.82
 
Auction yield range: 11.27% - 19.00% Estimated loss impact: 10.45%  
Lender servicing fee: 1.00% Estimated return: 8.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 6 First credit line: Mar-2002 Debt/Income ratio: 24%
Credit score: 740-760 (Sep-2009) Current / open credit lines: 8 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 11Length of status:1y 8m
Amount delinquent: $0 Revolving credit balance: $8,871 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 58%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: newest-profitable-camaraderi Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying some equiments
Purpose of loan:
This loan will be used to buying some useful equitment for furture business uses.

My financial situation:
I am a good candidate for this loan because I have good credit score and stable job.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428600
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 10.42% Starting borrower rate/APR: 11.42% / 13.79% Starting monthly payment: $49.41
 
Auction yield range: 4.27% - 10.42% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.29%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 9 First credit line: Sep-1990 Debt/Income ratio: 26%
Credit score: 700-720 (Sep-2009) Current / open credit lines: 19 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:7y 2m
Amount delinquent: $0 Revolving credit balance: $9,174 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 86%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: deal-tamale Borrower's state: Pennsylvania 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
Buy a used vehicle for family use.
Purpose of loan:
This loan will be used to? purchase a nice used vehicle for our children and family to use.

My financial situation:
I am a good candidate for this loan because?I have secure full-time employment working for the government.

Monthly net income: $3000

Monthly expenses: $
??Housing: $750
??Insurance: $50
??Car expenses: $200
??Utilities: $300
??Phone, cable, internet: $75
??Food, entertainment: $200
??Clothing, household expenses $200
??Credit cards and other loans: $200
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428606
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 11.27% Starting borrower rate/APR: 12.27% / 14.40% Starting monthly payment: $216.73
 
Auction yield range: 11.27% - 11.27% Estimated loss impact: 10.24%  
Lender servicing fee: 1.00% Estimated return: 1.03%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 8 First credit line: Dec-1987 Debt/Income ratio: 22%
Credit score: 680-700 (Sep-2009) Current / open credit lines: 12 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:25y 1m
Amount delinquent: $0 Revolving credit balance: $23,530 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 77%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: cynthiathegreat Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
To Pay off my Discover Card
Purpose of loan:

I would like to pay off my Discovery Card that is Currently? @18.00% Interest rate
My financial situation:

As you can see above I have excellent credit.? I take great pride to pay everything on time.?I want to make sure I am paying everything off in three years.


Monthly net income: $?3000 (Gross)

Monthly expenses: $
??Housing: $?800
??Insurance: $?115??Car expenses: $0 paid off?
? Gas for car & Train Fare:?125
??Phone, cable, internet: $?40
?Groceries $?350??Investments $ 200.00
??Credit cards and other loans: $ 491
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428620
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $278.73
 
Auction yield range: 17.27% - 19.00% Estimated loss impact: 26.06%  
Lender servicing fee: 1.00% Estimated return: -7.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 3 First credit line: Dec-1994 Debt/Income ratio: 12%
Credit score: 660-680 (Oct-2009) Current / open credit lines: 3 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 8Length of status:6y 11m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: kind-rapid-silver 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
Want to take a Family Hunting Trip
Purpose of loan:
This loan will be used to? go on a Family Hunting Trip

My financial situation:
I am a good candidate for this loan because? I only have 2 monthly bills that I am responsible for, my husband pays the other bills in his name.

Monthly net income: $ 1135.47

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 48.00
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 101.00
??Other expenses: $ 120.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428626
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.47% Starting borrower rate/APR: 27.47% / 29.81% Starting monthly payment: $123.23
 
Auction yield range: 11.27% - 26.47% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 7 First credit line: Dec-2005 Debt/Income ratio: Not calculated
Credit score: 700-720 (Oct-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 6Length of status:2y 11m
Amount delinquent: $0 Revolving credit balance: $1,514 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 25%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: ferocious-silver Borrower's state: Pennsylvania 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
Debt Consolidation
Purpose of loan:
To pay off all money I owe to my credit cards and to get a fresh start.

My financial situation:
I am doing ok but am starting to form bad habits of spending too much with my credit cards...

Monthly net income: $ 1500

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $?included in housing
??Phone, cable, internet: $ 70.00
??Food, entertainment: $?150
??Clothing, household expenses $ 100
??Credit cards and other loans: $?800
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428630
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 22.77% Starting borrower rate/APR: 23.77% / 26.06% Starting monthly payment: $78.22
 
Auction yield range: 8.27% - 22.77% Estimated loss impact: 8.54%  
Lender servicing fee: 1.00% Estimated return: 14.23%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 8 First credit line: Jul-2003 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-720 (Oct-2009) Current / open credit lines: 4 / 4Employment status:Self-employed
Now delinquent: 0 Total credit lines: 4Length of status:4y 7m
Amount delinquent: $0 Revolving credit balance: $16,424 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 42%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: gentle-peso1 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
Paying off my CC
Purpose of loan:
This loan will be used to refinance my credit card debt?
My financial situation:
I am a good candidate for this loan because I have never been late on any payment all my life. I pay back whatever I borrow from banks, family or friends. I have a successful business, with steady income.????

Monthly net income: $ 3750/month.

Monthly expenses: $ 2830
??Housing: $ 950
??Insurance: $ 150
??Car expenses: $300?????
??Utilities: $?130
??Phone, cable, internet: $150
??Food, entertainment: $ 500
??Clothing, household expenses $250
??Credit cards and other loans: $?300
??Other expenses: $?100??
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428632
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 26.00% / 28.32% Starting monthly payment: $402.91
 
Auction yield range: 17.27% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 4 First credit line: Aug-2006 Debt/Income ratio: 39%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:3y 0m
Amount delinquent: $0 Revolving credit balance: $9,269 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 73%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: supreme-return3 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
Paying off my credit cards
Purpose of loan:
This loan will be used to pay-off my credit cards and a real estate educational loan.? The money that I'll save with the consolidation will help me to do two things begin investing more of my cash into real estate and stocks.? Also I'll be able to begin my personal financial planning company.

My financial situation:
I am a good candidate for this loan because I work full time, which shows a consistent cash flow coming in.? Also I am studying and learning about financial planning.? In addition I am current on all my bills and make it a priority to keep all my debts in order.

Monthly net income: $ 1300

Monthly expenses: $
??Housing: $ 374
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 85
??Phone, cable, internet: $ 125
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 400
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428634
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 22.76% Starting monthly payment: $36.66
 
Auction yield range: 17.27% - 18.00% Estimated loss impact: 26.00%  
Lender servicing fee: 1.00% Estimated return: -8.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 3 First credit line: Jun-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-660 (Oct-2009) Current / open credit lines: 7 / 6Employment status:Self-employed
Now delinquent: 1 Total credit lines: 18Length of status:2y 1m
Amount delinquent: $129 Revolving credit balance: $4,096 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$50,000-$74,999
Delinquencies in last 7y: 15 Homeownership: No  
Inquiries last 6m: 2    
Screen name: new-leverage-goose 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
Heating System
Purpose of loan:
This loan will be used to?
Install an eco-friendly heating system in our home.
My financial situation:
I am a good candidate for this loan because?
I have ample income to repay the loan as agreed.?Due to?severe illness my past credit history is flawed.?Since recovered fully I have made all payments on time. Investigating why credit pulled up 1 deliquent account that I was unaware of.????????
Monthly net income: $ 4000.00

Monthly expenses: $ 2070
??Housing: $ 600????
??Insurance: $ 200
??Car expenses: $ 380
??Utilities: $ 120
??Phone, cable, internet: $ 60
??Food, entertainment: $ 400
??Clothing, household expenses $ as needed
??Credit cards and other loans: $ 310
??Other expenses: $ Depending on business needs
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428636
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 21.00% Starting borrower rate/APR: 22.00% / 24.26% Starting monthly payment: $305.52
 
Auction yield range: 11.27% - 21.00% Estimated loss impact: 10.51%  
Lender servicing fee: 1.00% Estimated return: 10.49%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 7 First credit line: Jun-1995 Debt/Income ratio: 12%
Credit score: 720-740 (Oct-2009) Current / open credit lines: 6 / 6Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 19Length of status:0y 7m
Amount delinquent: $0 Revolving credit balance: $11,116 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 83%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: payment-confidant 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
Paying off credit cards
Purpose of loan:
This loan will be used to?
Pay off three small credit cards and make one manageable payent per month
My financial situation:
I am a good candidate for this loan because? I am a retired New York City Police Sergeant with a?net pay pension?of $3,625 per month plus a $10,000?bonus every year in December.??I also currently work?two part time jobs for a total of? about?$3,000?net per month and my wife's monthly income is about $3,000 to $4,000 net per month giving us a total of about $10,000? net pay per month.? I figured with interest if approved our loan would be about $300.00 per month for three years which we could easily handle and could be taken out of our checking account.? Thank You for your consideration.

???????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? Rob McNerney
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428638
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.47% Starting borrower rate/APR: 27.47% / 31.43% Starting monthly payment: $41.08
 
Auction yield range: 11.27% - 26.47% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 8 First credit line: Nov-1992 Debt/Income ratio: 43%
Credit score: 680-700 (Oct-2009) Current / open credit lines: 3 / 2Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 23Length of status:1y 4m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$1-$24,999
Delinquencies in last 7y: 16 Homeownership: No  
Inquiries last 6m: 0    
Screen name: blue-platinum-mulberry 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
NEED SERIOUS HELP!
Purpose of loan:
This loan will be used to relocate to Texas for a better job.?

My financial situation:
I am a good candidate for this loan because I believe in paying my bills and paying them early.? I only have one bill now and that is a car loan which will be paid off in January 2011.

Monthly net income: $1200.00

Monthly expenses: $
??Housing: $0
??Insurance: $164
??Car expenses: $40
??Utilities: $0
??Phone, cable, internet: $75
??Food, entertainment: $200
??Clothing, household expenses $0
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428640
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 27.88% Starting monthly payment: $39.23
 
Auction yield range: 17.27% - 23.00% Estimated loss impact: 19.32%  
Lender servicing fee: 1.00% Estimated return: 3.68%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 3 First credit line: Feb-1991 Debt/Income ratio: 17%
Credit score: 740-760 (Oct-2009) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 39Length of status:0y 4m
Amount delinquent: $8,773 Revolving credit balance: $1,074 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 71%Stated income:$25,000-$49,999
Delinquencies in last 7y: 28 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: radiant-bid2 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
going on vacation,
Purpose of loan:
This loan will be used to? go on vacation
My financial situation:
I am a good candidate for this loan because?? I am stable, also i receive 730.00 monthly from rental for the past 10 years in money order form. I am just asking for this loan to give family a nice christmas vacation soon, and to hop[efully use? you in the futire. Also I work on Fort bliss military installation as a Sergeant in Security in which I am required to make accurate payments, or I lose my job, as my credit is checked anually. Any bad credit on my file was a result of a divorce , in which I am correcting.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428646
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 4 First credit line: May-1999 Debt/Income ratio: 30%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 10 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:3y 3m
Amount delinquent: $0 Revolving credit balance: $7,989 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: ultimate-revenue Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Tax Debt and credit card
Purpose of loan:
This loan will be used to pay off tax debt and credit card debt

My financial situation:
I am a good candidate for this loan because i will pay it back on time

Monthly net income: $ $4,000

Monthly expenses: $
??Housing: $1000
??Insurance: $ $108.00
??Car expenses: $ just gas
??Utilities: $ $60.00
??Phone, cable, internet: $ 99.99
??Food, entertainment: $ $100
??Clothing, household expenses $ 25
??Credit cards and other loans: $ $150.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428652
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,200.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $99.52
 
Auction yield range: 14.27% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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: 8 First credit line: Feb-1995 Debt/Income ratio: Not calculated
Credit score: 620-640 (Oct-2009) Current / open credit lines: 8 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:2y 8m
Amount delinquent: $0 Revolving credit balance: $22,099 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 83%Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Homeownership: No  
Inquiries last 6m: 1    
Screen name: fort808 Borrower's state: California Borrower's group: BuildingTree
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 16 ( 84% ) 620-640 (Latest)
Principal borrowed: $2,580.00< mo. late: 3 ( 16% )  
600-620 (Sep-2009)
580-600 (Mar-2008)
600-620 (Nov-2007)
580-600 (Sep-2007)
 
Principal balance: $1,511.92 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Put me back on the road to recovery
Purpose of loan:?? I am trying to pay off a credit card in full, with a high monthly minimum, so I can have a bit of financial flexibility every month.

My financial situation:? I am currently employed as a pizza delivery driver and I work 40+ hours a week, getting hourly wage plus tips. Also, I do freelance videography work which provides additional income. I currently have an existing Prosper loan, of which I am current. I have had a few late payments through Prosper, but they have never been longer than a week late, and I will never fail to make a payment on this loan. If this loan is funded, then I will have a monthly minimum payment go from $400 to approximately $100, making my ability to make timely payments much easier.

Monthly net income: $ 2800

Monthly expenses: $?2440
??Housing: $ 600
??Insurance: $ 60
??Car expenses: $?400
??Phone, cable, internet: $?130
??Food, entertainment: $ 400
??Credit cards and other loans: $ 950
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428658
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 First credit line: Nov-1968 Debt/Income ratio: 18%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 24Length of status:12y 7m
Amount delinquent: $5,145 Revolving credit balance: $1,861 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 93%Stated income:$25,000-$49,999
Delinquencies in last 7y: 22 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: marketplace-brigade0 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidation
Purpose of loan:
This loan will be used to pay back taxes, large one time responsibilty debts, and to catch up on other debts.

My financial situation:
I am a good candidate for this loan because I will be able to pay up to $400 every other week once everything is up to date.

Monthly net income: $ 4500????????

Monthly expenses: $
??Housing: $ 1865
??Insurance: $ 90
??Car expenses: $ Paid?Off
??Utilities: $ 130
??Phone, cable, internet: $ 160
??Food, entertainment: $?500???
??Clothing, household expenses $?250
??Credit cards and other loans: $?330
??Other expenses: $
Information in the Description is not verified.