Listing Report:Supplement No. 115 dated Dec 03, 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 321005
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: $3,800.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $122.62
 
Auction yield range: 8.29% - 9.00% Estimated loss impact: 7.18%  
Lender servicing fee: 1.00% Estimated return: 1.82%  
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: 6 First credit line: Nov-1998 Debt/Income ratio: Not calculated
Credit score: 760-779 (Dec-2009) Current / open credit lines: 13 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:3y 9m
Amount delinquent: $0 Revolving credit balance: $642 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 4%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: tinkrjck 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
Pay High interest car loan 16.49%
THE ABOVE USAGE OF MY BANCARD IS WRONG, AS I HAVE CHANGED ACCOUNTS.? I use my bankcard/cash for everything except emergency car repairs or vet bills.? I would say my usage is at 90%.?


Purpose of loan:
This loan will be used to pay off a high interest car loan, I am still trying to repair my credit from a mistake 7 years ago.

My financial situation:
I am a good candidate for this loan because I have re-payed all of my past debts and have not had one late payment in over 5 years.? I have been paying on a 16.49 car loan for 3.5 years now, and would like some relief!

Monthly net income: $?2528.64 - 2728.64?(two income household, another?2278.98 is available for bills

Monthly expenses: $ two income household, this is my 1/2?of the bills
??Housing: $?250??
????Car Insurance: $?85??
Car expenses: $ 352.48
??Utilities: $ 82.50
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $?400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 331333
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.94% Starting borrower rate/APR: 10.94% / 13.06% Starting monthly payment: $157.01
 
Auction yield range: 4.29% - 9.94% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
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: 9 First credit line: Aug-2002 Debt/Income ratio: 30%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:2y 4m
Amount delinquent: $0 Revolving credit balance: $7,481 Occupation: Teacher
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: 0    
Screen name: dsh189 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
Paying off my credit card debt
I am an elementary school teacher that accrued a lot of debt during my final years of school while I was student teaching. It was basically a full time job, but without a paycheck attached to it. I moved from Pennsylvania to Seattle after graduating college and it took a little while to get settled, get a job, and start earning a paycheck. I have been working since December 2006 and have not increased my debt amount by too much. But, the damage was already done. I have making payments of what I can each month on my credit cards, but I would love to get my debt down without an interest rate that is out of this world. I am single, have no children, and I try to live frugally. I am in the second month of living rent-free, house sitting for my sister for a year. I want to use this opportunity to rid myself of this nasty debt. I have a stable income and want to put my rent money toward my debt.? I really think I can do it!!? I am also making a car payment each month. If you could help me get my finances in a better situation, I would greatly appreciate it. Thanks.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 386825
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: 30.34% Starting borrower rate/APR: 31.34% / 33.74% Starting monthly payment: $215.94
 
Auction yield range: 11.29% - 30.34% Estimated loss impact: 10.77%  
Lender servicing fee: 1.00% Estimated return: 19.57%  
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: 7 First credit line: Oct-1982 Debt/Income ratio: 41%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 4 / 3Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 35Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $140 Occupation: Other
Public records last 12m / 10y: 1/ 2 Bankcard utilization: 0%Stated income:$1-$24,999
Delinquencies in last 7y: 20 Homeownership: No  
Inquiries last 6m: 1    
Screen name: MarianMaid 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
Starting a business
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 434505
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.94% Starting borrower rate/APR: 10.94% / 13.06% Starting monthly payment: $163.55
 
Auction yield range: 4.29% - 9.94% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
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: 9 First credit line: Jan-1976 Debt/Income ratio: 10%
Credit score: 760-779 (Nov-2009) Current / open credit lines: 7 / 5Employment status:Retired
Now delinquent: 0 Total credit lines: 19Length of status:20y 9m
Amount delinquent: $0 Revolving credit balance: $0Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0% 
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: jimbo29blue Borrower's state: California Borrower's group: SF State Teaching Credentials
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: 4 ( 100% ) 760-779 (Latest)
Principal borrowed: $9,250.00< mo. late: 0 ( 0% )  
820-839 (Jul-2009)
820-839 (May-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 4  
Description
Buying Zero Motorcycle
Purpose of loan:
This loan will be used to? Buy a Zero Electric Motorcycle for a company located in Santa Cruz, CA

My financial situation:
I am a good candidate for this loan because?I'm a widower, own my own home free and clear and have no outstanding debts except AMEX which I pay off every month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 435851
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: $6,700.00 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: $249.00
 
Auction yield range: 17.29% - 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: Nov-1985 Debt/Income ratio: 55%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 23Length of status:19y 1m
Amount delinquent: $8,131 Revolving credit balance: $9,011 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 84%Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Butterfly2965 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 100% ) 640-659 (Latest)
Principal borrowed: $6,775.00< mo. late: 0 ( 0% )  
680-699 (Jan-2008)
 
Principal balance: $3,043.18 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Buying our pizza place - finally!
An amazing opportunity for the pizza store that we would love to operate.? We have been planning for another?pizza place for a few years and have found a beautiful pizzeria.? We just need some extra capitol to be sure of success.? With 22 years experience in Domino's Pizza and another 4 years with our own pizza/video store, we feel very confident that we can do good things for our small corner of the world such as adding as many as 8-10 part-time jobs for this economy. Annual sales of?$96,000?can be simply increased by?adding an alcohol license to serve beer, serving lunches (2 shifts) to the 15+ factories within 5 mile radius and including residential delivery.? The incurred startup?debt can be paid easily?from the?current?sales or from our personal income budget.? Please feel free to contact us with any questions you might have.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436013
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: 26.49% Starting borrower rate/APR: 27.49% / 29.83% Starting monthly payment: $82.18
 
Auction yield range: 11.29% - 26.49% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.83%  
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: Oct-1993 Debt/Income ratio: 10%
Credit score: 740-759 (Nov-2009) Current / open credit lines: 2 / 2Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 15Length of status:1y 2m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: interest-snowdome Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off personal debt
Purpose of loan:
This loan will be used to?? pay down my daughter's college debt as a way of helping her get started in her adult life.????????????

My financial situation:
I am a good candidate for this loan because? I pay my bills in a timely fashion, I am gainfully employed and thoroughly enjoy my job, and I was raised to take care of my personal responsibilities.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436353
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: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.29% - 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: Oct-2001 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2009) Current / open credit lines: 5 / 3Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 12Length of status:5y 9m
Amount delinquent: $0 Revolving credit balance: $308 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 61%Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 1    
Screen name: LogicalThinker 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
Buying A New Car To Get To School
Purpose of loan:
This loan will be used to purchase a used car to drive back and forth from school and work.

My financial situation:
I am a good candidate for this loan because I have no debt. I own one credit card, which I pay in full each month. I work full time as well as attend school full time. I am in my final year.

Monthly net income: $ 2,000.00

Monthly expenses: $ 230.00
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 0
??Other expenses: $ 30.00

I might also add that I am good at paying off stuff early. I made one mistake in life. I have since cleaned it up, and I am back on track to the road of success.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436377
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: $1,780.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $70.77
 
Auction yield range: 11.29% - 24.00% Estimated loss impact: 10.59%  
Lender servicing fee: 1.00% Estimated return: 13.41%  
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: 7 First credit line: Jan-2008 Debt/Income ratio: Not calculated
Credit score: 680-699 (Dec-2009) Current / open credit lines: 4 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 5Length of status:3y 11m
Amount delinquent: $0 Revolving credit balance: $40 Occupation: Construction
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: 1    
Screen name: rmh706 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
Pay off Lendmark Loan
Purpose of loan:
This loan will be used to pay off my current Lendmark loan. I called to get a payoff amount on this loan rather than use my most recent statement amount since they charge all interest up front and will owe some of it back to me if I pay it off early and they gave me a payoff total of $1,768. My current payments on this loan are $98/month and the interest rate is 32%.

My financial situation:
I am a good candidate for this loan because I have always paid my bills on time and have a steady income. I know I will be able to pay this loan on time every month.
I hope to be able to use the difference between these payments and my Lendmark payments to pay this loan off early.

Monthly net income: $ 1600

Monthly expenses: $?1,020
??Housing: $ 0 (gf's parents pay this)
??Insurance (Health): $?75
??Insurance (Truck): $105
??Car expenses: $?250 (gas and maintenance)
??Utilities: $ 120
??Phone, cable, internet: $?95
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 125

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436379
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: 23.00% Starting borrower rate/APR: 24.00% / 26.29% Starting monthly payment: $294.25
 
Auction yield range: 17.29% - 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: 5 First credit line: Sep-1993 Debt/Income ratio: 20%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 30Length of status:1y 3m
Amount delinquent: $0 Revolving credit balance: $13,890 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 87%Stated income:$100,000+
Delinquencies in last 7y: 8 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: matthewlit 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
Photography Startup
Purpose of loan:
This loan will be used to?Purchase additional equipment, lease studio, and provide brief operating capital.

My financial situation:I have the ability to provide for our family through full time job, while my wife starts this business and all sales can be used to further grow business to a healthy state to begin compensating my wife as an employee
I am a good candidate for this loan because?My wife and I are extremely talented with the photography and in our region, the market for this type work with the acting and modeling industry is booming. And who would not want to get married in Florida! The wedding industry is also so booming we have to turn work down.

Monthly net income: $ 7400.00

Monthly expenses: $ 4000
??Housing: $2000.00
??Insurance: $93.00
??Car expenses: $750
??Phone, cable, internet: $100
??Food, entertainment: $200
??Clothing, household expenses $200
??Credit cards and other loans: $1000
??Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436381
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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 6.00% Starting borrower rate/APR: 7.00% / 7.34% Starting monthly payment: $231.58
 
Auction yield range: 3.29% - 6.00% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 4.50%  
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-1995 Debt/Income ratio: 4%
Credit score: 840-859 (Dec-2009) Current / open credit lines: 6 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:8y 11m
Amount delinquent: $0 Revolving credit balance: $918 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 4%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: dll142 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
Starting a New Business Venture
Purpose of loan:
This loan will be used to?fund about 23% of the start-up costs of my new?investment management business (S-corp entity).? I?have?$25,000?of my own cash to start and I would like to finance a small portion of the business?to partially fund an operating account to purchase some office supplies including a desk, a fax machine, new laser printer, and eventually another computer.?

My financial situation:
I am a good candidate for this loan for several reasons.? First, I?have?extensive experience (almost 9 years)?successfully operating my own business with an average of 25?employees over the past 5 years?which is an engineering consulting and industrial construction firm servicing the?natural gas and oil industry.? I plan to run this new business concurrent with my existing business.?Second, I am studying in the evenings at a local university in the town where we live and will finish my MBA in December 2010.? I currently have a 4.0 GPA while working full time and raising a family.? I am a hard working and resourceful individual, and will do my absolute best to make this new business work.? I am in great financial shape, and I have no debt (no credit cards, car loans, student loans, medical, etc.)?except for my mortgage, in which I?own over 30% equity in my house.?So you may ask, why do I want to borrow the small amount of $7,500?? Two primary reasons: there are certain tax advantages to borrowing money for startups and?it is beneficial from a financial standpoint to sometimes leverage a portion of a business.? So you be the judge and decide.? Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436397
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: $3,750.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.49% Starting borrower rate/APR: 27.49% / 29.83% Starting monthly payment: $154.08
 
Auction yield range: 11.29% - 26.49% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.83%  
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-1982 Debt/Income ratio: 8%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 17 / 14Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 38Length of status:19y 2m
Amount delinquent: $431 Revolving credit balance: $175,697 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 83%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: payout-rotation1 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
REMODEL BASEMENT
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 436415
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: 11.60% Starting borrower rate/APR: 12.60% / 14.74% Starting monthly payment: $402.02
 
Auction yield range: 4.29% - 11.60% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 9.46%  
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: Apr-1983 Debt/Income ratio: 44%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 20 / 18Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 32Length of status:27y 6m
Amount delinquent: $0 Revolving credit balance: $44,162 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 27%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: asset-honker Borrower's state: NewMexico 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 that card
Purpose of loan:
I came across Prosper.com while searching for an alternative with fixed payment terms following our credit card account announcing a boost from 2% to 5% in minimum due.? In reading about the operating concept utilized by Prosper.com the process carried me to a time when I spent several years living in Student Housing Cooperatives in my college days.As I thought about it I felt I would much rather pay a group of people trying to band together to provide a funding service than pay a banking system. The policy of fixed monthly costs with Prosper.com was an added plus to the deal as we would rather have a bill that we can always count on to meet or exceed.?

My financial situation:

We are good candidates for this loan because we are committed to meeting our financial obligations, are moving to be totally out of debt in the next seven years and have solid employment.? A list of our current general monthly budget follows:

Net Income after retirement fund, insurance and taxes: ? $3,948
Housing Costs: $445
Car Costs:? $335
Food and Household Costs:? $1,200
Debt Payoff:? $1,900.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436423
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: $1,600.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.17% Starting borrower rate/APR: 21.17% / 23.52% Starting monthly payment: $60.42
 
Auction yield range: 8.29% - 20.17% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.20%  
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: 9 First credit line: Jan-1995 Debt/Income ratio: 10%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:18y 2m
Amount delinquent: $0 Revolving credit balance: $2,153 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 81%Stated income:$25,000-$49,999
Delinquencies in last 7y: 14 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: the-asset-mountain 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
Christmas/payoff credit card
Purpose of loan:
This loan will be used to? To pay on a credit card and for Christmas

My financial situation:
I am a good candidate for this loan because? I will be paying the loan off in full by the month of February or March with my tax refund, so?I know there will be?no problems with being able to pay the loan.

Monthly net income: $ 2,337.00 from job, $535.00 from my tenant, and $180.00 child support. Total monthly income is $3,052.00

Monthly expenses: $
??Housing: $ 938.67
??Insurance: $ 107.00
??Car expenses: $ 268.37
??Utilities: $ 300.00
??Phone, cable, internet: $ 70.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $
??Credit cards and other loans: $ 60.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436425
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: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
 
Auction yield range: 14.29% - 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: Oct-1987 Debt/Income ratio: 14%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 8Length of status:1y 8m
Amount delinquent: $40 Revolving credit balance: $2,589 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 15%Stated income:$1-$24,999
Delinquencies in last 7y: 3 Homeownership: No  
Inquiries last 6m: 4    
Screen name: investment-missile 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
Looking for a better rate.
Purpose of loan:
I had to take out two payday loans at 350%+ APR for a car emergency and am stuck with this horrible APR. I'm looking to consolidate the two with a better rate. I have refinanced them several times and never missed a payment but have barely made a dent in the principles because of the absurd APR.

My financial situation:
I am a good candidate for this loan because as an assistant preschool teacher, I have a job with consistent income that is not likely to be affected by the economy. I also bring in additional income each month from a babysitting/nanny business that my wife and I run together.

Monthly net income: $1400
Monthly expenses: $1288.50
Housing: $327.50 (renter)
Health Insurance: Pretax from gross pay.
Car Insurance: $60
Car expenses: $70 (including gas)
Utilities: $33
Phone, cable, internet: $165
Food, entertainment: $300
Clothing, household expenses $20
Credit cards and other loans: $30 on two low limit credit cards; $200 payday loan finance charges; $83 installment loan
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436427
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: 17.29% - 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: Jan-2000 Debt/Income ratio: 11%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 11Length of status:1y 7m
Amount delinquent: $0 Revolving credit balance: $2,382 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 109%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 12    
Screen name: loan-halo 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 down debt
I am a Registered Nurse working on a cardiac unit in a hospital. I have a stable job and income that is not affected by the economy. My net income does not include week-end pay, over-time, bonuses, continued education pay, or my new bargaining contract of 20% wage increase over the next four years. My husband, of 23 years, is also employed full-time as a truck driver for a grocery chain and earns $4,000.00 net income a month. This included, would change my DTI Ratio. In Sept. of 2008, we bought a home, after the bubble burst, and invested this year over $10,000 in upgrades to the property and were a little over budget, but we still paid cash. I purchased a used vehicle in May, and inquired about a refinance loan a couple of times, and have been searching for lenders for a personal loan to pay off some of my debt. This explains all the inquiries on my credit report. I have resorted to using some of my credit cards after a temporary house guest became a more permanent fixture in my home (5 months). I watched all my utility bills go up and could not seem to keep enough food in the house. In September, I asked the house guest to leave or pay rent and they chose to leave. Phew! Nevertheless, I still had to pay the $698.00 PG&E bill, $300.00 water bill, and buy more food. Since this type of thing had been going on for months, it has put a strain on our finances as these bills are three times more then they usually are. I have still managed to pay my creditors on time, but have resorted to using my credit cards and taking a ridiculously high interest loan. My daughter is a college student. A new semester is beginning in January and she is going to need books. I have already paid for tuition. Please consider investing in me. I will use this loan to pay down my credit cards and purchase my daughters school books. You are guaranteed a great return on your investment.
Monthly net income: $ 4600 (just my income)
Monthly expenses: $
??Housing: $ 2200
??Insurance: $ 260 (4 cars)
??Car expenses: $ 450
??Utilities: $ 300
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 208
??Other expenses: $ 1000+ every four months for daughter's college tuition and books
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436433
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $173.33
 
Auction yield range: 8.29% - 14.00% Estimated loss impact: 8.31%  
Lender servicing fee: 1.00% Estimated return: 5.69%  
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: 8 First credit line: Aug-1999 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:6y 2m
Amount delinquent: $0 Revolving credit balance: $27,717 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 76%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: smallcaplender 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
Boost My Small Business
Purpose of loan:
This loan will be used to expand our existing small business. We have developed several proprietary business methods which are paying off nicely. This loan will allow us to scale up the operation. We could very well use a larger loan but think it wise to proceed slowly. This approach has brought us success so far. We are a small LLC.

My financial situation:
In addition to my small business income I am full-time employed with a reliable government career. Defaulting on a loan is not an option in my line of government work.

Monthly net income: $ 4500

Monthly expenses: $
??Housing: $ 650
??Insurance: $ 80
??Car expenses: $ 285
??Utilities: $ 220
??Phone, cable, internet: $ 98
??Food, entertainment: $ 275
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436437
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 18.95% Starting borrower rate/APR: 19.95% / 22.19% Starting monthly payment: $445.66
 
Auction yield range: 8.29% - 18.95% Estimated loss impact: 8.44%  
Lender servicing fee: 1.00% Estimated return: 10.51%  
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: 8 First credit line: Jun-1993 Debt/Income ratio: 38%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:2y 4m
Amount delinquent: $0 Revolving credit balance: $54,359 Occupation: Teacher
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: deal-travels1 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
Getting Even With Credit Card Shark
Purpose of loan:
This loan will be used to pay off credit card?debt.? Several?credit cards have recently significantly raised my interest rates with?no warning, and have little interest in lowering them so I can pay this debt off.?

My financial situation:
I am a good candidate for this loan because I want to do the right thing and pay off my debt.? I can comfortably afford to pay for a loan, but I would like my money to be going more toward the principal balance, rather than the credit cards finance charges.? I am an educator who believes in taking responsobility for one's situation.? Since the credit cards have lowered my available credit at the same time as they raised my interest rate, my corresponding FICO score has been lowered.?

Monthly net income: $4500.00 (includes rental income and income from a second, part-time job)

Monthly expenses: $
??Housing: $ 1600.00
??Insurance: $ 75.00
??Car expenses: $ 600.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 50.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 600.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436445
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: 17.29% - 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: May-2005 Debt/Income ratio: 24%
Credit score: 700-719 (Nov-2009) Current / open credit lines: 9 / 8Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 15Length of status:0y 5m
Amount delinquent: $0 Revolving credit balance: $1,135 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 22%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: dollar-motion3 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
Debts/Schooling
Purpose of loan:
This loan will be used to pay off credit card debts and use it for schooling and possibly moving out.?

My financial situation:
I am a good candidate for this loan because I do not have any debts as of now, i have never taken out a credit card i could not pay off. Everything i have bought in the past has been paid off.

Monthly net income: $ 1300.00

Monthly expenses: $ 560
??Housing: $ 0
??Insurance: $?0
??Car expenses: $ 200
??Utilities: $ 0
??Phone, cable, internet: $ 160
??Food, entertainment: $ ?100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 100
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436455
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: $2,700.00 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: $122.14
 
Auction yield range: 17.29% - 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-2004 Debt/Income ratio: Not calculated
Credit score: 640-659 (Nov-2009) Current / open credit lines: 3 / 2Employment status:Not employed
Now delinquent: 0 Total credit lines: 8Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $1,455Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 4    
Screen name: priceless-repayment3 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
Higher Education Help
Purpose of loan:
Im hoping on recieving this loan to help me stay in school and acheive my goals.
My financial situation:
Although i have no listed job,i?work during all school breaks and?I?go home on the weekends and do side jobs for cash for my uncles buisness and would be able to make monthly payments without any struggles.
Monthly net income: $
1000
Monthly expenses: $
??Housing:?Paid for through financial aid
??Car?: 40
??Utilities:?Paid for through financial aid
??Phone, cable, internet: $ 15
??Food, entertainment:?25
??Credit cards and other loans:?125$
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436461
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: 17.29% - 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-1966 Debt/Income ratio: 19%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 7 / 7Employment status:Retired
Now delinquent: 2 Total credit lines: 40Length of status:15y 6m
Amount delinquent: $7,705 Revolving credit balance: $7,407Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 93% 
Delinquencies in last 7y: 33 Homeownership: No  
Inquiries last 6m: 0    
Screen name: orange-lean-note 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
propperty tax
Purpose of loan:
This loan will be used to? pay my property taxes

My financial situation: recurring monthly income
I am a good candidate for this loan because?
I will meet the conditions of the loan and I am an honest person
Monthly net income: $
4,086
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 141.99
??Car expenses: $ 391.00
??Utilities: $ 240.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 5,000
??Other expenses: $ 75.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436469
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.94% Starting borrower rate/APR: 10.94% / 14.52% Starting monthly payment: $32.71
 
Auction yield range: 4.29% - 9.94% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
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: 9 First credit line: Jun-1994 Debt/Income ratio: 9%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 7 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 10Length of status:2y 3m
Amount delinquent: $0 Revolving credit balance: $10,399 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 99%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: pragmatic-exchange 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
Consolidating in 2010
Purpose of loan:
This loan will be used to? Pay off credit cards that accumulated so my wife could become a stay at home Mom.

My financial situation:
I am a good candidate for this loan because?I have rock solid employment for the last 11 years.?

Monthly net income: $ 3500.00

Monthly expenses: $
??Housing: $ 1400.00
??Insurance: $ minimal?cost since?obtained through employer benefits
??Car expenses: $ 205.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 150.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436475
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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 17.29% - 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-1993 Debt/Income ratio: 10%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:3y 6m
Amount delinquent: $0 Revolving credit balance: $2,604 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 69%Stated income:$50,000-$74,999
Delinquencies in last 7y: 48 Homeownership: No  
Inquiries last 6m: 6    
Screen name: treasure-cooker1 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
pay closing fees for home purchase
Purpose of loan:
For closing costs for purchase of home

My financial situation:
I am a good candidate for this loan because I'm trying to save on monthly expenses if I am able to purchase this home and build equity, able to save and pay off all my debts ?

Monthly net income: $

Monthly expenses: $
??Housing: $ 1256.00
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 56.00
??Phone, cable, internet: $?247.00
??Food, entertainment: $?120.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436487
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: 19.0%  
   
 
Starting lender yield: 22.00% Starting borrower rate/APR: 23.00% / 25.28% Starting monthly payment: $387.10
 
Auction yield range: 17.29% - 22.00% Estimated loss impact: 20.25%  
Lender servicing fee: 1.00% Estimated return: 1.75%  
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: 5 First credit line: May-1998 Debt/Income ratio: 33%
Credit score: 600-619 (Dec-2009) Current / open credit lines: 3 / 4Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 21Length of status:3y 0m
Amount delinquent: $0 Revolving credit balance: $3,792 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 64%Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Mrbiz Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 34 ( 97% ) 600-619 (Latest)
Principal borrowed: $10,000.00< mo. late: 1 ( 3% )  
600-619 (Jan-2008)
560-579 (Dec-2007)
540-559 (Dec-2006)
 
Principal balance: $3,701.51 1+ mo. late: 0 ( 0% )
Total payments billed: 35  
Description
Need help consolodating bills
Purpose of loan: I am going to be satisfying an outstanding Prosper loan, paying off my credit card and closing the loan which is?new on my vehicle.
This loan will be used to? Once and for all, get my monthly payments down and abolish the high interest rates.

My financial situation:
I am a good candidate for this loan because? I will make sure every penny is paid back. I have a secure full time job as a superintendant and just need a leg up so I can stop paying these machines the high interest rates. I would much rather pay interest to the private sector,

Monthly net income: $ 2400.00

Monthly expenses: $?1680.00
??Housing: $ 600.00
??Insurance: $ 80.00
??Car expenses: $200.00??Utilities: $ 100.00
??Phone, cable, internet: $?0.00??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 200.00
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436493
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 23.79% Starting borrower rate/APR: 25.79% / 28.11% Starting monthly payment: $200.89
 
Auction yield range: 8.29% - 23.79% Estimated loss impact: 8.57%  
Lender servicing fee: 1.00% Estimated return: 15.22%  
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-1972 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Dec-2009) Current / open credit lines: 15 / 14Employment status:Self-employed
Now delinquent: 0 Total credit lines: 34Length of status:19y 6m
Amount delinquent: $0 Revolving credit balance: $126,876 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 91%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: taxi134 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
Equipment for Growth of Business
Purpose of loan:
This loan will be used to purchase equipment for a mobile cupcake business, i.e. baking equipment and a retro-fitted delivery truck.?

My financial situation:
I am a good candidate for this loan because my credit is good and I am a responsible, hard-working business-person.?

Monthly net income: $ 1,000 currently from side business. My husband's income pays the living expenses.

Monthly expenses: $
??Housing: $ 933
??Insurance: $ 100
??Car expenses: $ 200
??Utilities: $ 450
??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 436499
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: 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: $135.71
 
Auction yield range: 17.29% - 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: Sep-2000 Debt/Income ratio: 26%
Credit score: 620-639 (Dec-2009) Current / open credit lines: 4 / 5Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 43Length of status:6y 5m
Amount delinquent: $9,494 Revolving credit balance: $5,511 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 100%Stated income:$75,000-$99,999
Delinquencies in last 7y: 19 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: Hippydee Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 5 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
640-659 (Sep-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 5  
Description
The ex got my truck
Purpose of loan:
This loan will be used to? Make a down payment on an Acura RSX. The price if the vehicle is 10,000

My financial situation:
I am a good candidate for this loan because? I have already had and paid back a loan from prosper and will do the same again. I had a bad divorce that screwed me up, but i'm recenntly putting everything back together

Monthly net income: $ 5140

Monthly expenses: $
??Housing: $ 1400
??Insurance: $ 150
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $?500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436509
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.34% Starting borrower rate/APR: 31.34% / 33.74% Starting monthly payment: $302.32
 
Auction yield range: 11.29% - 30.34% Estimated loss impact: 10.77%  
Lender servicing fee: 1.00% Estimated return: 19.57%  
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: 7 First credit line: Dec-2000 Debt/Income ratio: 52%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:7y 9m
Amount delinquent: $0 Revolving credit balance: $28,540 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 52%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: ferocious-exchange5 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
I plan to pay off some of my cards, so I can somehow get ahead and try to live debt free. I can absolutely make the monthly payments, I'm trying to acquire the loan because it will help me pay off the debt faster and I just have the one loan payment. 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 436517
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: 35.00% / 37.45% Starting monthly payment: $90.47
 
Auction yield range: 17.29% - 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-1999 Debt/Income ratio: 55%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 8 / 6Employment status:Part-time employee
Now delinquent: 1 Total credit lines: 14Length of status:2y 9m
Amount delinquent: $299 Revolving credit balance: $6,718 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 21%Stated income:$25,000-$49,999
Delinquencies in last 7y: 20 Homeownership: No  
Inquiries last 6m: 5    
Screen name: friendly-dinero6 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
Personal use
Purpose of loan:
This loan will be used to? Personal Use

My financial situation:
I am a good candidate for this loan because? I will make the payment on time

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ none
??Insurance: $ none
??Car expenses: $ none
??Utilities: $ none????
??Phone, cable, internet: $ 50?
??Food, entertainment: $ 200
??Clothing, household expenses $100
??Credit cards and other loans: $ none
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436521
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: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
 
Auction yield range: 17.29% - 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: Apr-1984 Debt/Income ratio: 14%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 3 / 3Employment status:Retired
Now delinquent: 5 Total credit lines: 17Length of status:0y 7m
Amount delinquent: $277 Revolving credit balance: $58Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 3 Bankcard utilization: 23% 
Delinquencies in last 7y: 10 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: penny-duckling 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 credit cards and christmas shopping
My financial situation:
I am a good candidate for this loan because? i am retired with good income

Monthly net income: $ 3,630.00

Monthly expenses: $
??Housing: $ 988.oo
??Insurance: $ 60.00
??Car expenses: $ 450.00
??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 436527
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: 17.29% - 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: Dec-1996 Debt/Income ratio: 24%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:12y 1m
Amount delinquent: $0 Revolving credit balance: $12,575 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 93%Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: hope-motivator5 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
pay off medical bills
Purpose of loan:
This loan will be used to pay off current medical bills

My financial situation:
I am a good candidate for this loan because I make good money just overwhelmed with medical bills currently.
Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 0
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436529
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.94% Starting borrower rate/APR: 10.94% / 14.52% Starting monthly payment: $32.71
 
Auction yield range: 4.29% - 9.94% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
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: 10 First credit line: Jan-1987 Debt/Income ratio: 31%
Credit score: 700-719 (Nov-2009) Current / open credit lines: 18 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 57Length of status:6y 6m
Amount delinquent: $0 Revolving credit balance: $58,307 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 73%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: wealth-javelin 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
Before the interest accrues
Purpose of loan:
Need to pay off a 0% promotional balance before accrued interest at 22.99% is charged

My financial situation:
I have high debt level of the last few years with the cheap credit and also had some major expenses this last year.? Put off paying this down for roof replacement, found termites and?treated along with an AC unit going out.? Never late on my payments.? Been at my current employer for over 7 years (survived being aquired twice) so a stable work environment.

Monthly net income: $ 4224.00

Monthly expenses: $
??Housing: $ 630.00
??Insurance: $?Included in the house escrow payment
??Car expenses: $ 215.00 with June 2010?payoff
??Utilities: $ 150.00 water/electric/garbage
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $
??Credit cards and other loans: $ 2700.00?
??Other expenses: $ Rest of monthly income to incidentals or tacked on to debt payments
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436535
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: $3,500.00 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: $158.33
 
Auction yield range: 17.29% - 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: Jan-1998 Debt/Income ratio: 32%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 14 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 34Length of status:0y 9m
Amount delinquent: $0 Revolving credit balance: $10,049 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 90%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: abundant-loot0 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
Fresh 2010
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 2200

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 100
??Car expenses: $ 300
??Utilities: $ 50
??Phone, cable, internet: $ 50
??Food, entertainment: $ 50
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 300
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436543
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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.86% Starting borrower rate/APR: 8.86% / 9.20% Starting monthly payment: $47.60
 
Auction yield range: 3.29% - 6.86% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
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: 10 First credit line: Feb-1991 Debt/Income ratio: 18%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 6Length of status:16y 3m
Amount delinquent: $0 Revolving credit balance: $1,397 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 4%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: red-deal-gazer 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
medical bills
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 436547
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: 26.49% Starting borrower rate/APR: 27.49% / 31.45% Starting monthly payment: $41.09
 
Auction yield range: 11.29% - 26.49% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.83%  
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: Aug-2007 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 4Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $168 Occupation: Laborer
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: 0    
Screen name: enlistment9 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 bills
Purpose of loan:
This loan will be used to? Help with some of the bills during the holiday season.

My financial situation:
I am a good candidate for this loan because?? I am very responsible and I have a good job so I will be able to pay off the loan with no problem.

Monthly net income: $ 2000

Monthly expenses: $
??Housing: $400
??Insurance: $
??Car expenses: $
??Utilities: $ 200
??Phone, cable, internet: $
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436551
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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 11.04% Starting borrower rate/APR: 12.04% / 12.39% Starting monthly payment: $498.50
 
Auction yield range: 3.29% - 11.04% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 9.53%  
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: 7 First credit line: Feb-1962 Debt/Income ratio: 12%
Credit score: 820-839 (Dec-2009) Current / open credit lines: 17 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 44Length of status:3y 7m
Amount delinquent: $0 Revolving credit balance: $63,971 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 56%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: wealth-motion1 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
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? I have worked very hard for 29 years in my profession and have been very successful, over the years my husband and I
have purchased six investment properties worth approx. $850,000 that are all paid for. This does not include our home which has an approx. value of $500,000 (In todays market)?of which we have a mortgage of $370,000. We have always paid our bills on time and have never declared bankruptcy. We have one daughter in college now and one that graduated in Sept. of this year and is the reason for the credit card debt. Two of the credit card companies we have balances with have raised our interest rates to over 18 % in the last 3 months for no reason. We really want to pay these card off. I hope this gives you a good prospective of our situation. Thank you for your anticipated help in advance.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436555
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.17% Starting borrower rate/APR: 21.17% / 24.98% Starting monthly payment: $37.76
 
Auction yield range: 8.29% - 20.17% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.20%  
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: 10 First credit line: Aug-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Dec-2009) Current / open credit lines: 26 / 23Employment status:Self-employed
Now delinquent: 0 Total credit lines: 45Length of status:3y 2m
Amount delinquent: $0 Revolving credit balance: $208,754 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 87%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: relentless-integrity 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
Consolidate high interest debt
Purpose of loan:
I have been unsuccessful at obtaining a loan through Prosper and would like to establish credit/good reputation through starting with a small loan with the intention of paying it back in 3 to 4 mths.? At which point I would like to do a larger loan to consolidate higher interest rate balances.

My financial situation:
I have a secure position at a company I co-founded and have managed for over 3 years.? We recently added a new partner enabling me to now have a fixed, stable monthly income.? I have an excellent history of always paying my bills on time, as evidence I recently paid off my car in August of this year.? I do have a high level of debt due to recently funding my MBA program at a top 5 business school which has lowered my credit score.? I am also consolidating my school loans which will decrease my monthly expenses by over $500 beginning in January.

Monthly net income: $ 10,000

Monthly expenses: $8,123
??Housing: $ 1,265
??Insurance: $185
??Car expenses: $0
??Utilities: $205
??Phone, cable, internet: $168
??Food, entertainment: $600
??Clothing, household expenses $100
??Credit cards and school loans: $ 5,600

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436557
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: 17.29% - 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-1983 Debt/Income ratio: 14%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 11 / 9Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 39Length of status:26y 7m
Amount delinquent: $8,932 Revolving credit balance: $5,058 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 95%Stated income:$75,000-$99,999
Delinquencies in last 7y: 19 Homeownership: No  
Inquiries last 6m: 2    
Screen name: mother-nature 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
Paying Off Bills
Purpose of loan:
This loan will be used to pay off my bills,?help pay my grandson's tuition for the next school year.? I am currently raising my granddaughter and need the extra financial help,

My financial situation:
I am a good candidate for this loan and will not let you nor myself down in meeting this obligation

Monthly net income: $ 5732

Monthly expenses: $
??Housing:???????????????????? $1500
??Insurance:?????????????????? $653 year?
??Car expenses:???????????? $80
??Utilities:????????????????????? $72.00
??Phone, cable, internet: $49 for T-Mobile
??????????????????????????????????? $39 for Qwest Internet
??????????????????????????????????? $69 for Comcast Cable?
??Food, entertainment:????$180
??Clothing, household expenses $250
??Credit cards and other loans: $3762 Target, ?$79 Premier Bank, $350,? Bank of America
??Other expenses: $6333 Wells Fargo - Car Loan payment @ $201 a month
????????????????????????????$1000 Alaska USA Credit Union?????????




Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436561
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: 26.49% Starting borrower rate/APR: 27.49% / 31.45% Starting monthly payment: $41.09
 
Auction yield range: 11.29% - 26.49% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.83%  
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-2002 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2009) Current / open credit lines: 5 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 8Length of status:2y 5m
Amount delinquent: $0 Revolving credit balance: $11,589 Occupation: Other
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: velocity-neptune 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 overdue water bill
Due to a busted pipe and several miscommunications with my local water company, my account is now over $700.00 overdue and my water has been shut off. I can save enough money to pay, but it could take several months. In the meantime, I do not have running water at my home. I plan to repay this loan as early as the end of the month. Thank you for viewing my listing, and for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436567
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: 6.5%  
   
 
Starting lender yield: 22.29% Starting borrower rate/APR: 23.29% / 25.57% Starting monthly payment: $77.72
 
Auction yield range: 8.29% - 22.29% Estimated loss impact: 7.03%  
Lender servicing fee: 1.00% Estimated return: 15.26%  
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: 9 First credit line: Feb-1995 Debt/Income ratio: 34%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 28 / 24Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 50Length of status:0y 8m
Amount delinquent: $0 Revolving credit balance: $228,210 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 90%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: supreme-rate0 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 for college
Purpose of loan:
This loan will be used to pay part off winter term tuition for my son.?

My financial situation:
I am a good candidate for this loan because I make enough salary and we are in the process getting federal student loan.

Monthly net income: $ 7200.00

Monthly expenses: $ 6500.00
??Housing: $ 2217
??Insurance: $ 220.00
??Car expenses: $ 150.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 160.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 2500.00
??Other expenses: $ 400.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436569
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $108.46
 
Auction yield range: 4.29% - 17.00% Estimated loss impact: 2.17%  
Lender servicing fee: 1.00% Estimated return: 14.83%  
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: Dec-1985 Debt/Income ratio: 36%
Credit score: 760-779 (Nov-2009) Current / open credit lines: 18 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 60Length of status:1y 6m
Amount delinquent: $0 Revolving credit balance: $26,789 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 90%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: wise-enterprising-marketplace 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
Debt Consolidation
Purpose of loan:
This loan will be used to?? I need a short term loan to pay off an existing 401K loan.? I need to do that before I can borrow again from the 401k and completely eliminate my short term debt.? I am willing to pay a small premium for the short term.? I?expect to pay the loan off in 90 days.

My financial situation:
I am a good candidate for this loan because? I have stable employment and does my wife.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436581
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: $9,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $377.72
 
Auction yield range: 14.29% - 24.00% Estimated loss impact: 15.08%  
Lender servicing fee: 1.00% Estimated return: 8.92%  
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: Dec-1996 Debt/Income ratio: Not calculated
Credit score: 680-699 (Dec-2009) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:5y 2m
Amount delinquent: $0 Revolving credit balance: $46,572 Occupation: Fireman
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 70%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: cowfire 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
Family Farmer and Firefighter
Purpose of loan:
This loan will be used to consolidate a high interest credit card. I accidentally miss entered the last number of my bank account, which caused a returned payment, and triggered default credit card rates (29.99%). I have never been more than a few days late, no write-offs, collections, bankrupcies, etc. Repayment is guaranteed! I have been a prosper lender for a long time, so I have been burned by many a borrower, and would never do that to anyone.

My financial situation:
I am a great candidate for this loan because I have the best job in the world! Our fire Department is conservative, no layoffs in it's 121 year history! Our new schedule is: I work 2 days straight, then get 4 days off. So I work on our family farm on some of our off days. I have crops that I have sold, and am awaiting payment, and I have crops in storage- including $40,000+ worth of barley that I will be selling over the next 2 months, but payment will take another 30+ days beyond that. Part of the reason I have so much debt is I had to pay seed and fertilizer up front. In hindsight, I should have gotten a business loan to fund my farming operation- I had a FICO score of 807, until I borrowed $$$ to farm. The?farm equipment was all paid with cash, too!?I will pay off all my revolving debt, and lines-of-credit by spring of 2010. I will, depending on interest rate of this loan, either pay it down or pay off this loan in 2010. I will pay off loans starting with the highest interest rate, so bid down the % rate!!!!!??There is virtually no way to go wrong- I have 2 very reliable sources of income.?I welcome any questions!! Thank you!

Monthly net income: $ 6,250 part from the fire dept, part from the sale of crops.

Monthly expenses: $
??Housing: $ 850.00
??Insurance: $ 200.00
??Car expenses: $ 179.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 125.00
??Food, entertainment: $?450.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 1750.00
??Other expenses: $ 950.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436587
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.94% Starting borrower rate/APR: 10.94% / 13.06% Starting monthly payment: $98.13
 
Auction yield range: 4.29% - 9.94% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
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: 9 First credit line: Sep-1992 Debt/Income ratio: 19%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 14 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:7y 3m
Amount delinquent: $0 Revolving credit balance: $3,190 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 10%Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: Diver_Down 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: 14 ( 100% ) 780-799 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
760-779 (Sep-2008)
 
Principal balance: $3,204.79 1+ mo. late: 0 ( 0% )
Total payments billed: 14  
Description
My personal loan for Home Improveme
This has worked very well to get me out of debt I'm using it again to remodel my kitchen.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436599
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: 33.00% Starting borrower rate/APR: 34.00% / 36.44% Starting monthly payment: $670.08
 
Auction yield range: 17.29% - 33.00% Estimated loss impact: 36.45%  
Lender servicing fee: 1.00% Estimated return: -3.45%  
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: Dec-1997 Debt/Income ratio: 41%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 27Length of status:4y 7m
Amount delinquent: $5,524 Revolving credit balance: $0 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: amatxu 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 100% ) 680-699 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
640-659 (Oct-2009)
640-659 (Sep-2009)
660-679 (Mar-2008)
660-679 (Feb-2008)
 
Principal balance: $2,066.06 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Seasons Greeting & Prosperity. Plea
Purpose of loan:
This loan will be used to? I would like to have this loan to pay down or pay-off my credit cards and Property taxes as well as a down payment on a used car, mine just died!!!

My financial situation:I am a good candidate for this loan because?This is my latest and hopefully my last request for a second Prosper loan. I really need this loan and although my rating with Prosper shows HR I don?t consider this accurate. If you, as lenders, have faith in me please bid and I promise to pay as agreed. Thanks for your consideration. Happy Holidays!!!

Monthly net income: $ 3892

Monthly expenses: $ 3675
??Housing: $ 1651
??Insurance: $ 150
??Car expenses: $ 50
??Utilities: $ 300
??Phone, cable, internet: $ 25
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 1150
??Other expenses: $
 
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436605
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: 31.44% Starting borrower rate/APR: 32.44% / 34.85% Starting monthly payment: $656.98
 
Auction yield range: 11.29% - 31.44% Estimated loss impact: 10.80%  
Lender servicing fee: 1.00% Estimated return: 20.64%  
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: Jan-1984 Debt/Income ratio: 52%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:4y 11m
Amount delinquent: $0 Revolving credit balance: $34,442 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 63%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: the-currency-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
I am losing the WEIGHT and the DEBT
Purpose of loan:
This loan will be used to? shrink my debt including student loans and credit cards.? I am also losing weight.? I have so far lost 53 pounds.? It is time I get my life in order and I am worth it!

My financial situation:
I am a good candidate for this loan because? I am responsible and working on finishing my Masters Degree which should give me a better paying job.? I work fulltime and go to college.? I am also working on getting healthy!

Monthly net income: $ 2,825

Monthly expenses: $
??Housing: $ Rent $450
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $ $150
??Phone, cable, internet: $ $60
??Food, entertainment: $ 400 ( I buy a lot of groceries at the 99cent only store to save)
??Clothing, household expenses $ 50
??Credit cards and other loans: $ (student loans are in deferment while I get my masters degree)? credit cards $400
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436615
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: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 28.99% Starting borrower rate/APR: 29.99% / 32.37% Starting monthly payment: $93.38
 
Auction yield range: 17.29% - 28.99% Estimated loss impact: 19.69%  
Lender servicing fee: 1.00% Estimated return: 9.30%  
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-1996 Debt/Income ratio: Not calculated
Credit score: 740-759 (Dec-2009) Current / open credit lines: 12 / 11Employment status:Not employed
Now delinquent: 2 Total credit lines: 34Length of status:0y 3m
Amount delinquent: $2,224 Revolving credit balance: $9,525Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 41% 
Delinquencies in last 7y: 4 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: new-engaging-basis 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
Need help during holidays
Purpose of loan:
This loan will be used for home improvements.? I need to have my heater fixed and install a new garage.?

My financial situation:
I am a good candidate for this loan because I will pay back the entire loan.? I just need some help during the holiday season.? I have a 6 month old daughter and need help to get back on my feet.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436617
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: $3,500.00 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: $158.33
 
Auction yield range: 17.29% - 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-1988 Debt/Income ratio: 7%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 20Length of status:25y 7m
Amount delinquent: $72 Revolving credit balance: $1,826 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 91%Stated income:$75,000-$99,999
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: wampum-tulip7 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
redo kithchen
Purpose of loan:
This loan will be used to? home improvement

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

Monthly net income: $ 7500

Monthly expenses: $ 2000
??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 436633
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: 30.34% Starting borrower rate/APR: 31.34% / 33.74% Starting monthly payment: $323.92
 
Auction yield range: 11.29% - 30.34% Estimated loss impact: 10.77%  
Lender servicing fee: 1.00% Estimated return: 19.57%  
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: 7 First credit line: Jan-1993 Debt/Income ratio: 34%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 18 / 17Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:14y 8m
Amount delinquent: $0 Revolving credit balance: $54,872 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 85%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: note-amigo3 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need Few Repairs
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 436639
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: 11.29% Starting borrower rate/APR: 12.29% / 14.43% Starting monthly payment: $333.53
 
Auction yield range: 11.29% - 11.29% Estimated loss impact: 10.24%  
Lender servicing fee: 1.00% Estimated return: 1.05%  
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: Jan-1995 Debt/Income ratio: 35%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 10Length of status:7y 8m
Amount delinquent: $0 Revolving credit balance: $14,521 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 50%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: prudent-responsibility9 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?
To pay off a credit card i have with a rate of 28.5% i make over the min payment but iam not getting any lower rates.When i make a payment it's intrest
My financial situation:
I am a good candidate for this loan because? I have worked for the state of georgia's dept of corrections for five years .In a few months ill' be thirthyeight i would like to be out of as much debt as i can. thank's
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436651
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: 26.00% Starting borrower rate/APR: 27.00% / 29.33% Starting monthly payment: $285.78
 
Auction yield range: 17.29% - 26.00% Estimated loss impact: 26.50%  
Lender servicing fee: 1.00% Estimated return: -0.50%  
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: 2 First credit line: Aug-1997 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 6 Total credit lines: 26Length of status:6y 7m
Amount delinquent: $342 Revolving credit balance: $0 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 17 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: just-exchange2 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
Van Purchase
Purpose of loan:
This loan will be used to? buy used vans for my company which is a mobile detailing business>I have been doing detailing work for over 6yrs now and have made a good name for myself. The demand is here I just need more vehicles to move forward.????????????

My financial situation:
I am a good candidate for this loan because? I'm committed to ensuring that all funds will be paid back by getting more contract work and using the web to attract more customers to my web site???? ?www.wilsonscar.com

Monthly net income: $ 4829.00????

Monthly expenses: $?1620.00
??????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 436657
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 22.17% Starting borrower rate/APR: 23.17% / 25.45% Starting monthly payment: $465.58
 
Auction yield range: 8.29% - 22.17% Estimated loss impact: 7.02%  
Lender servicing fee: 1.00% Estimated return: 15.15%  
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-1990 Debt/Income ratio: 7%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 19 / 19Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:10y 7m
Amount delinquent: $0 Revolving credit balance: $40,387 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 44%Stated income:$100,000+
Delinquencies in last 7y: 8 Homeownership: No  
Inquiries last 6m: 0    
Screen name: riveting-loyalty 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
Paying Off Credit Cards
Purpose of loan:
This loan will be used to? consildate credit

My financial situation:
I am a good candidate for this loan because? I can make the payments if they are consildated into one payment with a lower interest rate than they are seperatly.??

Monthly net income: $ 46,200

Monthly expenses: $
??Housing: $ 425
??Insurance: $ 75
??Car expenses: $75?
??Utilities: $100
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436663
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: 6.5%  
   
 
Starting lender yield: 20.17% Starting borrower rate/APR: 21.17% / 23.42% Starting monthly payment: $151.05
 
Auction yield range: 8.29% - 20.17% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.20%  
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: 9 First credit line: Jul-2000 Debt/Income ratio: 35%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:6y 4m
Amount delinquent: $0 Revolving credit balance: $9,920 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 60%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: openness-pal 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
Need to pay off my credit cards
Purpose of loan:
Pay off my credit cards to finally get out of debt. I want to be financially stable again.

My financial situation:
I have always found it to be very important to pay back my debt to someone as soon as possible. I don't like owing money. Due to some hard times, I have gotten in way over my head and I want to be able to keep up with the bills again

Monthly net income: $1600

Monthly expenses: $
??Housing: $730
??Insurance: $100
??Car expenses:$100
??Utilities: $100
??Phone, cable, internet: $120
??Food, entertainment: $250
??Clothing, household expenses $30
??Credit cards and other loans: $400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436681
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: 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: $135.71
 
Auction yield range: 17.29% - 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-1990 Debt/Income ratio: 19%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 3 Total credit lines: 41Length of status:6y 4m
Amount delinquent: $1,184 Revolving credit balance: $3,705 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: red-balance-solo 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 medical debts
Purpose of loan:
This loan will be used to pay off medical bills

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

Monthly net income: $ 2229.53

Monthly expenses: $ 1400
??Housing: $ 300
??Insurance: $
??Car expenses: $ 300
??Utilities: $ 200
??Phone, cable, internet: $
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436687
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: 13.00% Starting borrower rate/APR: 14.00% / 16.16% Starting monthly payment: $341.78
 
Auction yield range: 11.29% - 13.00% Estimated loss impact: 10.28%  
Lender servicing fee: 1.00% Estimated return: 2.72%  
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: Jan-2002 Debt/Income ratio: Not calculated
Credit score: 720-739 (Dec-2009) Current / open credit lines: 5 / 5Employment status:Not employed
Now delinquent: 0 Total credit lines: 18Length of status:0y 9m
Amount delinquent: $0 Revolving credit balance: $7,243Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 25% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: orange-commitment-persimmon Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
2009-2010
Purpose of loan:
This loan will be used to give myself one more chance. at age of close to 30, to getting into a professional school in helping people in healthcare in the future. I had debt from my undergraduate, my auto loans and rents, but i need more time to prepare for GRE, so i plan to borrow money to reduce the burden to work and support myself for the coming year.

My financial situation:
I am a good candidate for this loan because i am well-educated to pay all my debt on time and i am respectful to the people who understand my struggles. I will do all i can to reach my career goal at the age close to 30.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436693
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: 17.29% - 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: Jun-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Dec-2009) Current / open credit lines: 5 / 5Employment status:Self-employed
Now delinquent: 1 Total credit lines: 11Length of status:2y 5m
Amount delinquent: $1,351 Revolving credit balance: $1,581 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 90%Stated income:$75,000-$99,999
Delinquencies in last 7y: 7 Homeownership: No  
Inquiries last 6m: 1    
Screen name: open-reward 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
Purchase of Horse Winter Show Seaso
Purpose of loan:
This loan will be used to purchase a lesson horse and necessary equipment.? The lesson horse and equipment is required to expand my lesson program.

My financial situation:
I am a good candidate for this loan because I have been in business for over three years with my business growing each year.? I have operated my business on a cash basis with no business debt.? I have an excellent reputation as a horse riding instructor and as a professional rider.? I currently have fifteen clients boarding at my stable and I personally own 3 lesson horses and two jumpers.

Monthly net income: $ 3,500.00

Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 500.00
??Car expenses: $ 500.00
??Utilities: $ 500.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 200.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436723
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: 17.29% - 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: Sep-1993 Debt/Income ratio: 60%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 18 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 62Length of status:3y 11m
Amount delinquent: $0 Revolving credit balance: $23,685 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 48%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: marquita 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 debt
Purpose of loan:
This loan will be used to? To pay off outstanding debt so that I can take care of my household

My financial situation:
I am a good candidate for this loan because? I have stable work history and pay all my bills on time each month

Monthly net income: $ 62,500

Monthly expenses: $
??Housing: $ 995.00
??Insurance: $ 265.00
? Car expenses: $ 525.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 400.00
? Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 800.00
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436729
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: 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: $297.31
 
Auction yield range: 17.29% - 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: Jan-1997 Debt/Income ratio: 27%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 41Length of status:13y 10m
Amount delinquent: $0 Revolving credit balance: $65,865 Occupation: Fireman
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 88%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: marketplace-radio 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
Home Repairs
Purpose of loan:
This loan will be used to make needed repairs after a busted wated heater flooded my basement and destroyed everything. Insurance didn't cover enough

My financial situation:
I am a good candidate for this loan because I have had a steady job with the same company?for over 13 years and am able to make my payments on time?

Monthly net income: $ 3400

Monthly expenses: $
??Housing: $ 1350
??Insurance: $ 150
??Car expenses: $ 450
??Utilities: $?170
??Phone, cable, internet: $ 300
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $?400
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436735
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: $24,750.00 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: $1,119.59
 
Auction yield range: 17.29% - 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: May-1997 Debt/Income ratio: 26%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 16 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:1y 10m
Amount delinquent: $0 Revolving credit balance: $18,212 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 80%Stated income:$75,000-$99,999
Delinquencies in last 7y: 2 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: funds-stronghold 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: 0 / 1 On-time: 2 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
720-739 (Aug-2009)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 2  
Description
Paying Credit Cards and House Flip
This loan will be used for two purposes: $15,000 dollars will be used to pay off credit cards and the remaining funds will be used to complete the repairs on a house that I am in the process of purchasing with cash. I WILL NOT HAVE A PAYMENT ON THE HOUSE!?All of our credit card companies are raising our rates, some to almost 30%, even though we had never been late or missed a payment on any of them. My wife and I would like to pay them off and close the accounts. The home I am purchasing for between $7,000 ? $9,000 dollars and have estimated $12,500 dollars in repairs. It has an after-repair value, based on comparable properties in the area, of between $55,000-65,000 dollars. It is VERY expensive to use hard-money lenders which is why I am willing to pay a premium interest rate here on prosper!This is my second prosper loan. The first one, I paid back in three months and I fully expect to have this one paid off within the next 12-24 months.
I am a good candidate for this loan because my wife and I never miss payments and always pay on time. I have also recently started a company and plan on using the prosper community again for capital in the future. So my rating on this site is EXTREMELY important to me! I would like to have a 100% positive score on prosper when I need to use it for business and be able to get a lower interest rate in the future.

We have almost 2,000 dollars of disposable income each month without any income from my new business. Also, the estimated payment for this loan exceeds what we currently are paying on the credit cards so this loan will actually free up disposable income each month for us. This is another reason why I am confident that this loan will be paid off in a timely manner. If you have any questions please feel free to ask and I will answer them as soon as I can.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436741
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: $1,400.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.17% Starting borrower rate/APR: 21.17% / 23.86% Starting monthly payment: $52.87
 
Auction yield range: 8.29% - 20.17% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.20%  
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: 10 First credit line: Mar-1988 Debt/Income ratio: 19%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:1y 9m
Amount delinquent: $0 Revolving credit balance: $3,224 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 19%Stated income:$1-$24,999
Delinquencies in last 7y: 7 Homeownership: No  
Inquiries last 6m: 1    
Screen name: sun2one 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 74% ) 660-679 (Latest)
Principal borrowed: $1,000.00< mo. late: 2 ( 7% )  
640-659 (Sep-2009)
640-659 (Jul-2007)
 
Principal balance: $328.41 1+ mo. late: 5 ( 19% )
Total payments billed: 27  
Description
Paying off Cleopatra's Vet Bills
Purpose of loan:
I want to use this money to pay for my dog's vet bills.? She was in the hospital for the 2nd time this year.
My financial situation:
I have been working as a teaching assistant in a 3 year old?classroom of physically disabled children for almost 2 years.? I also?make and sell personalized children's books.?
Monthly net income: $ 2600

Monthly expenses: $ 2033
??Housing: $ 1100???????
??Insurance: $?8
??Car expenses:?$60-gas; $185-payment; $80-insurance?
??Utilities: $ 150
??Phone, cable, internet: $ 70 (no cable)
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $?50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436747
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 22.79% Starting borrower rate/APR: 23.79% / 26.08% Starting monthly payment: $97.81
 
Auction yield range: 8.29% - 22.79% Estimated loss impact: 8.54%  
Lender servicing fee: 1.00% Estimated return: 14.25%  
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-1991 Debt/Income ratio: 31%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 12 / 11Employment status:Retired
Now delinquent: 0 Total credit lines: 29Length of status:14y 11m
Amount delinquent: $0 Revolving credit balance: $20,574Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98% 
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: 1970cessna Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 13 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
680-699 (Oct-2009)
680-699 (Sep-2008)
 
Principal balance: $1,359.09 1+ mo. late: 0 ( 0% )
Total payments billed: 13  
Description
Pay off high interest loans
Purpose of loan:
This loan will be used to pay off high interest loans obtained due to serious financial obligations caused by failure to receive payment from relative for previously loaned money (have a promissory note from him but he now refuses to pay me).?

My financial situation:
I am a good candidate for this loan because I?pay my bills on time--current Prosper loan is evidence of that.?

Monthly net income: $ 3,100.00

Monthly expenses: $2,750.00
??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 436753
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: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $316.65
 
Auction yield range: 17.29% - 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: Mar-1990 Debt/Income ratio: 68%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 27 / 22Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 57Length of status:3y 5m
Amount delinquent: $1,069 Revolving credit balance: $26,466 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 85%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: self-reliant-worth0 Borrower's state: Vermont 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
Completing Graduate School
Purpose of loan:
This loan will be used to? complete my MFA education.? This is considered a terminal degree in the Fine Arts and it should help me to be eligible for tenure track positions in colleges.? It will increase my ability to take care of my family as a single mother.

My financial situation:
I am a good candidate for this loan because? I am working a full time teaching position and part time and I am working on creating a website to market my art work.

Monthly net income: $ 4,800

Monthly expenses: $
??Housing: $ 1400
??Insurance: $ 80.00
??Car expenses: $ 151.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 800.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 1000.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 423366
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: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $104.00
 
Auction yield range: 11.29% - 14.00% Estimated loss impact: 10.31%  
Lender servicing fee: 1.00% Estimated return: 3.69%  
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: 6 First credit line: Aug-2001 Debt/Income ratio: 23%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:4y 7m
Amount delinquent: $0 Revolving credit balance: $9,699 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 84%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: vibrant-cash5 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
Debt Consolidation
Purpose of loan:
This loan will be used to pay off some odd and end bills.

My financial situation:
I am a good candidate for this loan because I have never missed a payment with anyone.

Monthly net income: $ 2000

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 432906
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: 28.49% Starting borrower rate/APR: 29.49% / 31.86% Starting monthly payment: $632.59
 
Auction yield range: 11.29% - 28.49% Estimated loss impact: 10.71%  
Lender servicing fee: 1.00% Estimated return: 17.78%  
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: 6 First credit line: Nov-1986 Debt/Income ratio: 78%
Credit score: 720-739 (Nov-2009) Current / open credit lines: 17 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 43Length of status:10y 11m
Amount delinquent: $0 Revolving credit balance: $24,904 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 72%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Elywn Borrower's state: Arizona Borrower's group: IM ONE OF THE BIGGEST LENDERS-I HAVE PROOF LOOK AT MY STATS
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% ) 720-739 (Latest)
Principal borrowed: $12,000.00< mo. late: 0 ( 0% )  
720-739 (May-2008)
 
Principal balance: $7,336.53 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Paying off my credit cards
Purpose of loan: Thanks to those who bid on my previous listing. We acquired our dream property with the help of my prosper friends. Our home is beautiful. This loan will be used to pay off high rate credit cards and benefit the people that helped me see my dream prosper.
I am a good candidate for this loan because I worked for state government for 20+ years; I have been dog training for 5+ years.? I have over 90 clients thru subcontracting and referrals I don?t rely on this income. My husband runs a handyman & remodeling business & has shown a profit 8 out of 9 years.? We pay more than the minimum on our loans. We net almost $7500 a month. My goal is to be mortgage & debt free when I retire from the state in 10 years. I welcome automatic payments & use it currently on car loans, insurances & mortgages. Renters have moved in pay 500 a month in rent, which increased our income to 8000. I have paid off one car loan and the other two will be paid off within 10 months, which will decrease our liability over 1000.00 Current: Mortgages (taxes & ins escrow)? 2277 (2 houses) Utilities:310 Car Insurance 119 Car loans & student loans1220 Prosper loan?464 Revolving?703 Food inc. dog food 600 =5693Est: Mortgages (taxes & ins escrow)? 2277 (2 houses) Utilities:310 Car Insurance 119 Car loans & student loans1220 Prosper loan?1000 Revolving?100 Food inc. dog food 600 =5626
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 433978
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: 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: $134.78
 
Auction yield range: 11.29% - 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: 7 First credit line: Oct-1971 Debt/Income ratio: 15%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 4 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $7,420 Occupation: Other
Public records last 12m / 10y: 1/ 1 Bankcard utilization: 96%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: violetsarered Borrower's state: NewYork Borrower's group: PsychDoc's 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: 0 / 2 On-time: 35 ( 100% ) 640-659 (Latest)
Principal borrowed: $10,940.00< mo. late: 0 ( 0% )  
700-719 (Jan-2008)
760-779 (Nov-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 35  
Description
Looking For Some Wheels
Hello and thanks for reading.

I am a seasoned Prosper borrower and lender and I've paid off my recent Prosper loan a whole year early!? Now I'd like to get another one?so I can get a car.? I'm not looking to get anything fancy, just a set of wheels that will get me?around.?

I was sadly laid off last February, but have been lucky to find contract work.? I believe the lapse in employment and the fact that I've been at this job for only 3 months is what dropped my credit rating.? However, I have ALWAYS paid my Prosper loan on time and off early.?

Thanks for your support.

Patty
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436284
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: $6,620.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.29% Starting borrower rate/APR: 18.29% / 20.50% Starting monthly payment: $240.29
 
Auction yield range: 17.29% - 17.29% Estimated loss impact: 18.95%  
Lender servicing fee: 1.00% Estimated return: -1.66%  
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: 5 First credit line: Sep-1983 Debt/Income ratio: 19%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 34Length of status:11y 5m
Amount delinquent: $0 Revolving credit balance: $3,231 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 76%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: Scooter55 Borrower's state: NewJersey 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: 0 / 1 On-time: 13 ( 100% ) 720-739 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
640-659 (Dec-2007)
680-699 (Jul-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 13  
Description
Consolidating high interest loans
Purpose of loan:
This loan will be used to?consolidate my high interest loans and to get some repairs done to my 1999 Honda Accord.

My financial situation:
I am a good candidate for this loan because?I am a recent college grad and I've been working for the Dept of Corrections since 1996. Soon, I will get my Teaching Certificate and become a teacher there.
I don't have any credits to pay off.? I only have normal monthly expenses besides my mortgage.
I will pay off- auto loan $4700.00 @ 11.24% and a personal loan $1920.00 @ 10.75%.
I am single and I earn $43800.00 per year along with a pension check of $ 139.22 which gives me an additional $1670.64 per year.
I refinanced my mortgage earlier this year and my monthly payment is $1040.00 @ 4.8% fixed.
You can contact me for any questions you may have.
Thank you, M.D.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436382
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: $11,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 17.09% Starting borrower rate/APR: 18.09% / 20.30% Starting monthly payment: $416.27
 
Auction yield range: 6.29% - 17.09% Estimated loss impact: 5.30%  
Lender servicing fee: 1.00% Estimated return: 11.79%  
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-1991 Debt/Income ratio: 52%
Credit score: 740-759 (Nov-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 41Length of status:3y 6m
Amount delinquent: $0 Revolving credit balance: $33,712 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 82%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: point-pledge 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
On my way to Debt Free!
Purpose of loan:
This loan will be used to pay off my debt!!!? I have a goal to be out of debt as early as 24 to 36 months.? The credit card companies are changing their terms to balance their debt, and I am looking to pay them off!
My financial situation:
I am a good candidate for this loan because I am definately credit worthy and goal oriented!? I DO NOT miss payments! EVER!? I am employed full time and own my home.? I would like to obtain this loan for the purpose of consolidating my credit cards and paying all parties off with 2 years.? It is time to cut out the rising interest rates and added fees to major credit card companies.? I would like for my family to be comfortable without the added strain of bills!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436400
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: 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: $135.71
 
Auction yield range: 17.29% - 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: Apr-1997 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2009) Current / open credit lines: 10 / 7Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 15Length of status:0y 4m
Amount delinquent: $1,074 Revolving credit balance: $1,386 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 32%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: reliable-felicity 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
BUYING CAR
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 436412
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 23.04% Starting borrower rate/APR: 24.04% / 26.33% Starting monthly payment: $235.52
 
Auction yield range: 11.29% - 23.04% Estimated loss impact: 10.56%  
Lender servicing fee: 1.00% Estimated return: 12.48%  
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: 7 First credit line: May-1990 Debt/Income ratio: 35%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 14 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:11y 8m
Amount delinquent: $0 Revolving credit balance: $8,678 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: No  
Inquiries last 6m: 2    
Screen name: lively-p2p 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 my 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 436418
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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 15.00% Starting borrower rate/APR: 16.00% / 16.36% Starting monthly payment: $421.88
 
Auction yield range: 3.29% - 15.00% Estimated loss impact: 1.52%  
Lender servicing fee: 1.00% Estimated return: 13.48%  
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: 7 First credit line: Aug-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Nov-2009) Current / open credit lines: 10 / 10Employment status:Self-employed
Now delinquent: 0 Total credit lines: 34Length of status:0y 1m
Amount delinquent: $0 Revolving credit balance: $19,181 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 19%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: charming-silver2 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
Simplification of Finances
Purpose of loan:

The purpose of the loan as simplify all of my debt outstanding related to financing my education.? I am also hoping to start a new business and I need to make sure that my personal finances are in prder.


My financial situation:

My undergraduate degree is from Johns Hopkins, and my graduate degrees in finance is from one of the top-3 universities in Great Britain.? I have started my own business in digital printing.? my company is affiliated with a traditional printing company with an established sales team.? My company adds to their portfolio of capabilities.? Currently, the company is generating roughly $2,000/month in net income (after expenses).? I live with an uncle rent free, and my food is provided for me.? My personal expenses are minimal and generally don't exceed more than $500/month.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436434
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: $3,500.00 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: $158.33
 
Auction yield range: 17.29% - 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: Jul-1989 Debt/Income ratio: 16%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 3 Total credit lines: 26Length of status:16y 0m
Amount delinquent: $7,530 Revolving credit balance: $1,315 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$75,000-$99,999
Delinquencies in last 7y: 17 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: eagle89 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 14 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
660-679 (Sep-2009)
660-679 (Aug-2008)
520-539 (Jul-2008)
 
Principal balance: $1,755.60 1+ mo. late: 0 ( 0% )
Total payments billed: 14  
Description
Rid of credit cards and med. bills
Purpose of loan:? This loan will be used to?pay off?2?credit cards, medical bills and clear up a mortgage discrepancy.

I am a good candidate for this loan because?I have a great job with very good income and have been working hard to get on better financial ground.? I realize that I have made mistakes in the past and I am working to correct them.??While everything has not been smooth since I received my current Prosper loan I am on better financial ground.? I have continued to pay down balances since I received my current Prosper loan.? I have also never been late on a payment for my current loan! ? My credit report shows 3 accounts currently delinquent.? Two of those are the credit card accounts to be paid with this loan.? The third is my mortgage which is not correct.? I am current with my mortgage payments but there are other charges showing up.? This is due to a discrepancy when my mortgage was bought by another company.? I have made all payments to my current mortgage company.? I have disputed this $800 charge but the mortgage company stands by their claim even though it did not show up on any of the initial paperwork.? I want to get this paid and get the issue behind me.??I hope that you will give me the chance to prove myself.?Please let me know if you have any questions.?

Balances to be paid with new loan:? $3400
Maximum loan payment:? $158
Payments replaced by new loan:? $320
$320 in payments replaced by maximum $158 Prosper payment.? Remaining $162 will be applied to outstanding bills.? Again, I have never been late or missed a payment on my current?Prosper loan and will not on a new Prosper loan either.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436436
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 31.52% Starting borrower rate/APR: 32.52% / 34.94% Starting monthly payment: $175.37
 
Auction yield range: 11.29% - 31.52% Estimated loss impact: 10.80%  
Lender servicing fee: 1.00% Estimated return: 20.72%  
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: Feb-2000 Debt/Income ratio: 14%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 20Length of status:3y 0m
Amount delinquent: $2,079 Revolving credit balance: $1,674 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 26%Stated income:$25,000-$49,999
Delinquencies in last 7y: 30 Homeownership: No  
Inquiries last 6m: 0    
Screen name: magnificent-revenue 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
Buying more stock in my company
Purpose of loan:
This loan will be used primarily to purchase stock options in Fotofix.com, a company I co-founded 3 years ago, manage on a daily basis, and already own a double-digit interest in.? The stock I'm purchasing is worth a good deal more than my option price, and though a private company, there has been a decent market for the equity in it to date.

My financial situation:
I am a good candidate for this loan because I own a considerable stake in a growing company, have a very low debt-to-income ratio, and only keep my pay (relatively) low because I prefer my unneeded salary be reinvested back into the business vs. taxed as payroll.

Monthly net income: $3,000

Monthly expenses: $
??Housing: $ 350
??Insurance: $ 150
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 150
??Food, entertainment: $ 100
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 100
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436440
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: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 24.36% Starting borrower rate/APR: 25.36% / 27.67% Starting monthly payment: $219.73
 
Auction yield range: 17.29% - 24.36% Estimated loss impact: 19.40%  
Lender servicing fee: 1.00% Estimated return: 4.96%  
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-1991 Debt/Income ratio: 22%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:13y 5m
Amount delinquent: $0 Revolving credit balance: $3,465 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 93%Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Boda Borrower's state: Oregon Borrower's group: 1st and BEST for Loans
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 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,500.00< mo. late: 0 ( 0% )  
640-659 (Jun-2008)
 
Principal balance: $2,260.63 1+ mo. late: 0 ( 0% )
Total payments billed: 16  
Description
Pay off credit cards,loan,taxes
Purpose of loan:
This loan will be used to? Pay off high interest credit cards,pay the full amount of the loan that I owe currently to Prosper. Also to help pay taxes for 2009,help
with my Mothers care, since her health is failing, and to continue with my son's education..

My financial situation:
I am a good candidate for this loan because? I'm known as the workaholic. I consistantly work 50 hours a week, 40 hours at my primary job, and 10 hours at my secondary job.?I've had a bad?6 years after my divorce, but I have managed to keep myself afloat, and pay off some of my exsisting loans.? My work is steady. I have worked at the same job for the last 14 years, which is a medical assistant at two different health clinics.My secondary job I have worked consistantly for them for the last 11 years. I have proved myself to Prosper that I make my payments consistanly every month on time,and I have?never made a late payment for the
last 17 months. My son is also working 36 hours a week, and contributes to the household expenses.
Monthly net income: $ 2,700

Monthly expenses: $
??Housing: $ 725.00
??Insurance: $ 141.00
??Car expenses: $ paid off-Gas? $40.00
??Utilities: $?150.00
??Phone, cable, internet: $125.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $?500.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436442
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: 34.5%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $733.12
 
Auction yield range: 17.29% - 18.00% Estimated loss impact: 35.50%  
Lender servicing fee: 1.00% Estimated return: -17.50%  
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: 1 First credit line: Sep-1997 Debt/Income ratio: 59%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 36Length of status:10y 1m
Amount delinquent: $299 Revolving credit balance: $25 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 2%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 7    
Screen name: newest-rapid-contract 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
PAYING OFF CREDIT CARDS
Purpose of loan:
This loan will be used to?
PAY OFF HIGH INTEREST CREDIT CARDS AND? TWO LOANS . THEY ARE NOW CLOSED BUT ONE PAYMENT WOULD MAKE IT MORE FEASIBLE WITH THE INTEREST RATES SO HIGH I NEED TO CONSOLIDATE IF I EVER WANT TO PAY THEM OFF PAYMENTS NOW W/ HIGH INT ARE TOO MUCH I JUST CAN'T MAKE IT THIS WAY. I ALONE CAN MAKE A PAYEMNT IN A CONSOLIDATED LOAN, BEFORE MY WIFE WORKED BUT LOST HER JOB IN THE MTG INDUSTRY A YEAR AGO AND HAS NOW BECOME DISABLED, LOOSING HER INCOME REALLY HURT
My financial situation:
I am a good candidate for this loan because?
I HAVE A GOOD STEADY JOB THAT I HAVE HAD FOR 10 YEARS, IN THE SAME INDUSTRY FOR 27 HAVE ADDITIONAL SIDE JOB (WHICH I DID NOT COUNT IN INCOME) I AM RELIABLE, HONEST AND HARD WORKING AND RATHER THAN LOOSE MY HOME I AM ASKING FOR THIS HELP. MY SONS ALSO LOST THIER JOBS AND BEEN ON UC FOR OVER A YEAR AND TRYING TO HELP EVERYONE MEANS CUTTING BACK ALL EXTRA EXPENCES. CONSOLIDATION IS THE ONLY? AND BEST OPTION. I AM ASKING FOR THIS AMOUNT BECAUSE THAT IS WHAT WOUD BE NEEDED IN ORDER TO MAKE THIS A SENSIBLE LOAN AND PAY OFF ALL OF THE DEBTS.
Monthly net income: $ AVG: 3900.00????????

Monthly expenses: $
??Housing: $ 776.00????
??Insurance: $ 320.0
??Car expenses: $ 436.00
??Utilities: $ 250.0
??Phone, cable, internet: $ 347.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 175.00
??Credit cards and other loans: $ 947.00
??Other expenses: $ 150.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436448
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: 24.65% Starting borrower rate/APR: 25.65% / 27.97% Starting monthly payment: $300.78
 
Auction yield range: 11.29% - 24.65% Estimated loss impact: 10.61%  
Lender servicing fee: 1.00% Estimated return: 14.04%  
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: Feb-1985 Debt/Income ratio: 37%
Credit score: 740-759 (Nov-2009) Current / open credit lines: 14 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 43Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $30,725 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 64%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: interest-giraffe584 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 14 ( 100% ) 740-759 (Latest)
Principal borrowed: $18,000.00< mo. late: 0 ( 0% )  
760-779 (Sep-2008)
 
Principal balance: $12,355.26 1+ mo. late: 0 ( 0% )
Total payments billed: 14  
Description
Consolidating debt
Purpose of loan:
This loan will be used to consolidate?revolving debt we have in order for us to have a lower payment to handle each month.
My financial situation:
I am a good candidate for this loan because of?the excellent payment history I have with my creditors as well as sustained employment in the same industry for 19 years.?I take great pride in keeping up this standard of paying our bills on time without exception and greatly appreciate the help from the Prosper community.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436454
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: $5,500.00 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: $248.80
 
Auction yield range: 17.29% - 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-1999 Debt/Income ratio: 25%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 9Length of status:0y 4m
Amount delinquent: $148 Revolving credit balance: $110 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 18%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 6    
Screen name: dedication-bull 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
Auto Repair
Purpose of loan:
This loan will be used to?
Fix my wife's car
My financial situation:
I am a good candidate for this loan because?
I am a conservative spender and just need help
Monthly net income: $
37000
Monthly expenses: $
??Housing: $ 900
??Insurance: $ 95
??Car expenses: $ 483
??Utilities: $?0??Phone, cable, internet: $?0
??Food, entertainment: $?0
??Clothing, household expenses $?0
??Credit cards and other loans: $0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436464
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: 33.32% Starting borrower rate/APR: 34.32% / 38.45% Starting monthly payment: $44.85
 
Auction yield range: 17.29% - 33.32% Estimated loss impact: 19.97%  
Lender servicing fee: 1.00% Estimated return: 13.35%  
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-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Dec-2009) Current / open credit lines: 5 / 4Employment status:Self-employed
Now delinquent: 2 Total credit lines: 25Length of status:0y 5m
Amount delinquent: $124 Revolving credit balance: $53,649 Occupation: Nurse's Aide
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: 0    
Screen name: direct-loyalty 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
book's ect.
Purpose of loan:
This loan will be used to?Pay for all book's at one time and have?nothing holding me back from geting the edu. I need.?

My financial situation:
I am a good candidate for this loan because?I will use it wisely and it will help me get a head in life

Monthly net income: $ 11,000

Monthly expenses: $11,60.00
??Housing: $ 250.00????
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 70.00
??Food, entertainment: $?300.00
??Clothing, household expenses $?45.00
??Credit cards and other loans: $ 0.00
??Other expenses
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436466
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: 17.29% - 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: Jan-1964 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Dec-2009) Current / open credit lines: 23 / 17Employment status:Self-employed
Now delinquent: 0 Total credit lines: 44Length of status:26y 6m
Amount delinquent: $0 Revolving credit balance: $73,658 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 95%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: best-unafraid-benefit 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
CAPITAL TO EXPAND DISTRIBUTING BUSI
Purpose of loan:
This loan will be used to? For inventory building of 2 new product lines that we have acquired in the last month. They are Lance products and Golden Flake potato chip products
I am a good candidate for this loan because? We have 2 years experience in distribution into grocery and c-stores in Kelloggs and Herr's potato products. We have been business for?26 years in vending but started in distribution in the last to years. Our distribution volume is over $2000000 per year and with the addition of the new lines we expect to grow to $5000000 sales volume in the next 5 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436470
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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $271.42
 
Auction yield range: 17.29% - 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: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Dec-2009) Current / open credit lines: 8 / 6Employment status:Self-employed
Now delinquent: 0 Total credit lines: 20Length of status:3y 6m
Amount delinquent: $0 Revolving credit balance: $3,396 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 85%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: bold-majestic-rupee 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
Paying Off My Credit Cards
Purpose of loan:
This loan will be used to?
pay off my credit cards and fix my car. I am making positive changes in my life and am hoping to purchase a home in the next few months.
My financial situation:
I am a good candidate for this loan because... I have a good paying job and am ready to consolidate my bills so I can make 1 monthly payment.

Monthly net income: $ 4,000

Monthly expenses: $
??Housing: $ 350
??Insurance: $ 75
??Car expenses: $ 100
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $?200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436472
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: 34.5%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $183.28
 
Auction yield range: 17.29% - 18.00% Estimated loss impact: 35.50%  
Lender servicing fee: 1.00% Estimated return: -17.50%  
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: 1 First credit line: Aug-1978 Debt/Income ratio: 73%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 9 / 7Employment status:Retired
Now delinquent: 1 Total credit lines: 28Length of status:10y 6m
Amount delinquent: $1,686 Revolving credit balance: $16,248Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 100% 
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: diligent-cash1 Borrower's state: NewHampshire 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 credit cards
Purpose of loan:
This loan will be used to? Pay credit cards

My financial situation:
I am a good candidate for this loan because?I take my financial obligations very seriously
Income:? Retirement? $2028.87 monthly
?????????????? Social Security? $1316 monthly
?????????????? Substitute Teacher (not guaranteed)? $300-500 monthly
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436488
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: 17.29% Starting borrower rate/APR: 18.29% / 20.50% Starting monthly payment: $544.47
 
Auction yield range: 17.29% - 17.29% Estimated loss impact: 18.95%  
Lender servicing fee: 1.00% Estimated return: -1.66%  
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: 4 First credit line: May-1991 Debt/Income ratio: 52%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 21 / 19Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 52Length of status:12y 1m
Amount delinquent: $0 Revolving credit balance: $23,413 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 65%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: mindful-dinero 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 my credit cards
Purpose of loan:
This loan will be used to?
pay off my high intrest credit cards cut them up and throw them out
My financial situation:
I am a good candidate for this loan because?
I pay bills on time. I have or will not be? late. I'm a wonderful person and a great mom. After 21 years of marriage my husband left me and left me with alot of debt
I just need help. It took a deep swallow for me too ask for help. Thanks
Monthly net income: $
2500.00appx.
Monthly expenses: $
??Housing: $ 1083.67
??Insurance: $
??Car expenses: $ 50.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 300.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436500
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: $3,800.00 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: $171.90
 
Auction yield range: 17.29% - 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-1987 Debt/Income ratio: 28%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 18 / 12Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 49Length of status:3y 1m
Amount delinquent: $360 Revolving credit balance: $12,134 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 49%Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: edrow54 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 16 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
660-679 (Oct-2009)
620-639 (May-2009)
660-679 (Jul-2008)
 
Principal balance: $514.93 1+ mo. late: 0 ( 0% )
Total payments billed: 16  
Description
Paying off two high interest loans
Purpose of loan:
This loan will be used to? Pay off?two high interest loans.??

My financial situation:
I am a good candidate for this loan because? I am in the process of lowering my monthly debt for good.? I work for a large water company with job security considering the state of the job market I feel very fortunate. The deliquent amount of $360.00 which is shown on my credit profile? is a disputed amount?from Directv,?the correct?amount?is $280.00 for early termination. I had been with them for 8 years and I switched to Dishnetwork. 4 Months before I canceled Directv I purchased a receiver on E-Bay and when I activated it they did not mention a 18 month contract. ?Thank you very much and your consideration would be greatly appreciated.

Monthly net income: $ 6143.00 not including overtime

Monthly expenses: $ 3747.00?
??Housing: $ 1795.00
??Insurance: $ 133.00 auto
??Car expenses: $ 534.00 2 car payments?
??Utilities: $ 175.00
??Phone, cable, internet: $ 60.00?
??Food, entertainment: $ 350.00?
??Clothing, household expenses $ 100.00?
??Credit cards and other loans: $600.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436502
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: 6.5%  
   
 
Starting lender yield: 20.17% Starting borrower rate/APR: 21.17% / 23.42% Starting monthly payment: $75.52
 
Auction yield range: 8.29% - 20.17% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.20%  
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: 9 First credit line: Jan-2004 Debt/Income ratio: 37%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 13 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:7y 1m
Amount delinquent: $0 Revolving credit balance: $11,957 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 84%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: commitment-puppy 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 off small loans, credit card
Within this year, my wife & I have suffered a major tragedy.? We lost our firstborn child due to stillbirth.? Because of this, I am trying to help my wife take added stress and pressure off of her by paying off some of her financial debt.? I am financially responsible and do not believe in paying my bills late.? I make a good salary which would enable me to also make the payments of this loan as well as other household expenses. I would also be able to responsibly pay this loan off without any problems.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436518
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: 17.29% - 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: Sep-1990 Debt/Income ratio: 29%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:14y 9m
Amount delinquent: $0 Revolving credit balance: $9,755 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 79%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: currency-leader7 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to? to pay off credit cards and home improvement????????????????????

My financial situation:
I am a good candidate for this loan because? i have a good job? ihave been employed for 15 yrs? i went through some hard times, divorce being one thing, i know i can rebound from all of this.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436520
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.94% Starting borrower rate/APR: 10.94% / 14.52% Starting monthly payment: $32.71
 
Auction yield range: 4.29% - 9.94% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
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: 9 First credit line: Mar-2006 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2009) Current / open credit lines: 2 / 2Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 8Length of status:3y 4m
Amount delinquent: $0 Revolving credit balance: $81 Occupation: Student - College S...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 16%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: funds-encore Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
One Class Left for graduation
Purpose of loan:
This loan will be used to pay for a winter course needed for college graduation.

My financial situation:
I am a good candidate for this loan because the amount of the loan requested is low.?As a student?I have limited bills?and repayment will be a priority.?

Monthly net income: $ 500

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 80
??Food, entertainment: $ 20
??Clothing, household expenses $ 50
??Credit cards and other loans: $?20
??Other expenses: $ depends on necessity
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436526
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 25.96% Starting borrower rate/APR: 26.96% / 29.29% Starting monthly payment: $489.65
 
Auction yield range: 8.29% - 25.96% Estimated loss impact: 9.12%  
Lender servicing fee: 1.00% Estimated return: 16.84%  
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-1994 Debt/Income ratio: 98%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:10y 3m
Amount delinquent: $0 Revolving credit balance: $7,538 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 39%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: kindness-mason7 Borrower's state: Oklahoma 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
ass"t granddaughter and her family
Purpose of loan:
This loan will be used to?ASSIST MY GRANDDAUGHTER AND HER SPOUSE WITH THEIR FINANCES. THEY HAVE OVERSPENT AND ARE? HAVING FINANCIAL DIFFICULTIES. ?

My financial situation:
I am a good candidate for this loan because? I have two pensions along with social security to assist with my listed income that while allow me to make payments
consistently.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436536
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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 11.30% Starting borrower rate/APR: 12.30% / 12.65% Starting monthly payment: $500.37
 
Auction yield range: 3.29% - 11.30% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 9.79%  
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: Aug-1996 Debt/Income ratio: 27%
Credit score: 800-819 (Dec-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $7,861 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 26%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: christifa 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
Consolidate Cards-
Purpose of loan:
consolidate high intrest credit cards
My financial situation:
I am a good candidate for this loan because i have a great job and i have a stable income and i pay my bills. i just wan't to pay them off much fast and save more money.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436538
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: 34.5%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $371.64
 
Auction yield range: 17.29% - 19.00% Estimated loss impact: 35.56%  
Lender servicing fee: 1.00% Estimated return: -16.56%  
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: Dec-2001 Debt/Income ratio: Not calculated
Credit score: 680-699 (Dec-2009) Current / open credit lines: 8 / 8Employment status:Not employed
Now delinquent: 0 Total credit lines: 18Length of status:0y 7m
Amount delinquent: $0 Revolving credit balance: $8,684Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 72% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: monster2 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
utility expenses and credit cards
Purpose of loan:
This loan will be used to? pay credit card debt, monthly rent and other necessary personal expenses such as groceries, gas, etc.

My financial situation:
I am a good candidate for this loan because? i am receiving government benefits as well as my husband as our only source of income.? we are both actively seeking employment on a day to day basis.

Monthly net income: $ 1440

Monthly expenses: $
??Housing: $ 700
??Insurance: $
??Car expenses: $ 100
??Utilities: $ 100
??Phone, cable, internet: $ 175
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436550
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: 9.94% Starting borrower rate/APR: 10.94% / 13.06% Starting monthly payment: $65.42
 
Auction yield range: 4.29% - 9.94% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
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: 9 First credit line: Aug-1990 Debt/Income ratio: 34%
Credit score: 740-759 (Nov-2009) Current / open credit lines: 9 / 9Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 35Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $2,094 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 35%Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: badmoomoodogface Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 740-759 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
620-639 (Jun-2008)
 
Principal balance: $871.06 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Educational Expense/Christmas
Purpose of loan:

.It will pay off the remainder of what I own on my previous Prosper loan, and the rest will be used for Christmas.

My financial situation:
This has been a tough year for my family but we have come out of everything with shining colors.? I was laid off from my accounting job of 8 years back in May, but have since started working for a new company, and my old boss from 10 years ago.? She actually sought me out to fill this position and the job pays much more then my previous one and the work environment is just incredible.? We are a very hard working family who have survived our difficult economy and just need a little boost to help send my son to Washington DC. I am also not making the same mistake I made a couple of years ago and visit my local payday loan company to help us get through the Christmas season.? This loan will help us immensely to get through the holiday season.? If you have any questions, please feel free to contact me.

Thanks!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436552
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: 31.76% Starting borrower rate/APR: 32.76% / 35.18% Starting monthly payment: $329.83
 
Auction yield range: 14.29% - 31.76% Estimated loss impact: 15.46%  
Lender servicing fee: 1.00% Estimated return: 16.30%  
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: Oct-1990 Debt/Income ratio: 85%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 13 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:8y 11m
Amount delinquent: $0 Revolving credit balance: $48,941 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 93%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: uga-dawgs 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 credit cards
Purpose of loan:
This loan will be used to pay off Credit Cards that more than doubled my rates even tho i've always paid before they were due and more than the minumums.?

My financial situation:
I am a good candidate for this loan because, I've always paid my depts and have a good credit history?

Monthly net income: $
2800.00 to 3500.00
Monthly expenses: $
??Housing: $ 700.00
??Insurance: $
??Car expenses: $440.00
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $900
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436554
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: 34.5%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $183.28
 
Auction yield range: 17.29% - 18.00% Estimated loss impact: 35.50%  
Lender servicing fee: 1.00% Estimated return: -17.50%  
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: 1 First credit line: Sep-2000 Debt/Income ratio: 20%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 9Length of status:0y 9m
Amount delinquent: $0 Revolving credit balance: $2,925 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 99%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 4    
Screen name: perfume0 Borrower's state: Delaware Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
buying vehicle for my family
Purpose of loan:
This loan will be used to? buy fuel efficient small truck

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

Monthly net income: $ 2000.00

Monthly expenses: $
??Housing: $ 400.00
??Insurance: $ 60.00
??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 436566
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: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 26.55% Starting monthly payment: $58.85
 
Auction yield range: 17.29% - 23.00% Estimated loss impact: 26.32%  
Lender servicing fee: 1.00% Estimated return: -3.32%  
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-1987 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2009) Current / open credit lines: 0 / 0Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 5Length of status:0y 1m
Amount delinquent: $305 Revolving credit balance: $0 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Homeownership: No  
Inquiries last 6m: 1    
Screen name: dedication-poem 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 bills
Purpose of loan:
This loan will be used to? Pay off some bills(car ins, etc)

My financial situation:
I am a good candidate for this loan because? I am a honorable person looking for a little help

Monthly net income: $ 4583.00

Monthly expenses: $
??Housing: $ 750.00

??Insurance: $ 100.00
??Car expenses: $ 150.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 140.00
??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 436576
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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $185.82
 
Auction yield range: 17.29% - 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: Mar-1995 Debt/Income ratio: 5%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 4 / 1Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:4y 2m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$100,000+
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: hunterga 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
Divorce Attorney's Fees
Purpose of loan:
This loan will be used to pay for a divorce attorney

My financial situation:
I am a good candidate for this loan because I have reliable income and

Monthly net income: $ 6449.00

Monthly expenses: $ 5573.75
??Housing: $ 2861
??Insurance: $ 85.75
??Car expenses: $ 260
??Utilities: $?411
??Phone, cable, internet: $ 191
??Food, entertainment: $ 400
??Clothing, household expenses $?200
??Credit cards and other loans: $ 365
??Other expenses: $ 800
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436578
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: $21,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 8.50% Starting borrower rate/APR: 9.50% / 11.60% Starting monthly payment: $688.71
 
Auction yield range: 8.29% - 8.50% Estimated loss impact: 7.17%  
Lender servicing fee: 1.00% Estimated return: 1.33%  
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: 7 First credit line: May-1994 Debt/Income ratio: 19%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 15 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 37Length of status:12y 8m
Amount delinquent: $0 Revolving credit balance: $26,931 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 49%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: enriched-euro8 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
Credit Card Debt
Purpose of loan:
This loan will be used to? help me?help my mom get rid of this bad debt she accrued with horrible loan terms?

My financial situation:
I am a good candidate for this loan because?very responsible, pretty secure employment?& I'm helping my?disabled mother get out of her debt for good.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436588
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: 17.29% - 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-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Dec-2009) Current / open credit lines: 6 / 4Employment status:Self-employed
Now delinquent: 0 Total credit lines: 26Length of status:1y 11m
Amount delinquent: $0 Revolving credit balance: $13,868 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 85%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 7    
Screen name: bold-influential-revenue 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
Website Up Date and Marketing
Purpose of loan:
This loan will be used to?
Add new features to my website such as distance learning sessions for parents and create new marketing materials for trade shows.
My financial situation:
I am a good candidate for this loan because?
My business is growing fast and revenue is projected to increase 25% in the first quarter.

Monthly net income: $
5000.00

Monthly expenses: $
??Housing: $ 200.00
??Insurance: $ 119.00
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 176.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 250.00
??Credit cards and other loans: $ 900.00
??Other expenses: $ 350.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436594
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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 11.04% Starting borrower rate/APR: 12.04% / 12.39% Starting monthly payment: $830.84
 
Auction yield range: 3.29% - 11.04% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 9.53%  
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: 6 First credit line: Feb-1985 Debt/Income ratio: 30%
Credit score: 800-819 (Nov-2009) Current / open credit lines: 19 / 17Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 57Length of status:31y 1m
Amount delinquent: $0 Revolving credit balance: $6,200 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 9%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: abundant-worth 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?consolidate credit cards into one payment?and reduce the number of payments I make each month.

My financial situation:
I am a good candidate for this loan because?I have an excellcent?credit?score and make all payments before they?are due.? I?also have long gevity with my employer.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436606
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 14.13% Starting monthly payment: $149.46
 
Auction yield range: 4.29% - 11.00% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 8.86%  
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: May-1990 Debt/Income ratio: 16%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:2y 4m
Amount delinquent: $0 Revolving credit balance: $51,276 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 83%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Invest4Good Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 100% ) 740-759 (Latest)
Principal borrowed: $9,000.00< mo. late: 0 ( 0% )  
740-759 (Oct-2009)
740-759 (Aug-2008)
 
Principal balance: $5,733.26 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Paying off our credit cards
I appreciate your interest in funding this loan.
This loan will be used to pay off a credit card with a high interest rate.
I have a great credit rating for a reason - I have been steadily paying my bills for 25 years. I love to work, have a great job, a bright future, and have been paying off my credit debts at a good pace. I?d love to pay them off faster!
I live very frugally. My car is not flashy and is used, my house is a wonderful sensibly designed 1930?s ?Craftsman? bungalow, which is valued very highly, in a good area of one of the only ?recession-proof? cities, my wife is a wonderful woman who is not interested in material things or status.
We don?t want to incur more debt with this loan ? we want a better rate to pay off one of our cards.
This will be my second Prosper loan. About a year ago, I was honored with a Prosper loan for a smaller credit card. I have enjoyed seeing the absence of that credit card company in my life, I am current with that loan, the rate was an improvement, and the load taken off my finances is wonderful ? thank you!
This loan pays off half another card. We can pay the current APR, and we will continue to do so, so either this money can go to the credit card company or to you, the Prosper community. It would be nice to get a lower rate, but it is more important to get a rate that is not at risk of corporate whims, and to be paying out to real people is a morality bonus point.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436614
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: 17.29% - 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: May-1999 Debt/Income ratio: 26%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 0 / 0Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 5Length of status:10y 2m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: escalator7 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
PAY OFF PERSONAL DEBTS AND HOME IMP
Purpose of loan:
I am looking for this loan because I want to pay off my wife's personal debts and I want to repair the kitchen in our house.

My financial situation:
I am a good candidate for this loan because I dont have any bank or credit card debts. My credit history is good and I am able to afford a loan. I just want my wife to live with peace in her mind and I want to give her a good xmas gift.

Monthly net income: $
I make about 4,000 a month. My wife and I work at the same company and she makes 1000 less than me.
Monthly expenses: $
??Housing: $?mortgage?split between wife and I. 2589 for mortgage split in two.
??Insurance: $ 300
??Car expenses: $ 370?
??Utilities: $ 400
??Phone, cable, internet: $ 132
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 160
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436626
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 27.99% Starting borrower rate/APR: 28.99% / 31.35% Starting monthly payment: $628.50
 
Auction yield range: 8.29% - 27.99% Estimated loss impact: 8.67%  
Lender servicing fee: 1.00% Estimated return: 19.32%  
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-1990 Debt/Income ratio: 18%
Credit score: 700-719 (Nov-2009) Current / open credit lines: 24 / 20Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 50Length of status:16y 1m
Amount delinquent: $0 Revolving credit balance: $81,186 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 78%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: finance-samurai788 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: 0 / 1 On-time: 4 ( 100% ) 700-719 (Latest)
Principal borrowed: $12,500.00< mo. late: 0 ( 0% )  
680-699 (Sep-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 4  
Description
Paying off my credit cards
Purpose of loan: This loan will be used to pay off high interest rate credit cards.

Although I have not had late credit card payments in more than 15 years, Chase and Citibank
raised my interest rate to 29.9% !!!!

So, I can't wait to cancel their cards.

My financial situation: I am a great candidate for this loan because I?pay my bills on time and

I have a good history with Prosper.?

I had a $12,500 Prosper 36 month loan about a year?ago, that I?paid off in full in?4 months !!!!!


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436630
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: $2,575.00 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: $116.48
 
Auction yield range: 17.29% - 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-1999 Debt/Income ratio: 6%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 5 Total credit lines: 23Length of status:3y 1m
Amount delinquent: $17,593 Revolving credit balance: $467 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 54%Stated income:$75,000-$99,999
Delinquencies in last 7y: 28 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: home-saver 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
Fix and Learn
Purpose of loan:
This loan will be used to pay for a Home Security System to give added protection to my Wife and child. This will help in starting this process. The other proceeds of this loan will be used for Continuing Education for self improvement.

My financial situation:
I am employed Full Time?in Information Technology. I have improved my credit score after a layoff by making sure that my payments were on time as agreed. I was just approved for a car at 5.7% with my Fico score pulled listed as?724. If given the chance, I will also make sure this loan is paid in full.

Monthly net income: $
$96,500

Monthly expenses: $
??Housing: $ 938
??Insurance: $ 170
??Car expenses: $?320
??Utilities: $?275
??Phone, cable, internet: $?250
??Food, entertainment: $ 175
??Clothing, household expenses $?125
??Credit cards and other loans: $ 80
??Other expenses: $

Income Verification:?

Go to:? https://groupone.ivrnetwork.com/
Just request my Pin for verification.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436636
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: 33.32% Starting borrower rate/APR: 34.32% / 36.76% Starting monthly payment: $89.70
 
Auction yield range: 17.29% - 33.32% Estimated loss impact: 19.97%  
Lender servicing fee: 1.00% Estimated return: 13.35%  
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-1986 Debt/Income ratio: 22%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 6 / 7Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 21Length of status:4y 0m
Amount delinquent: $1,441 Revolving credit balance: $20,493 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 91%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: best-finance-transformer 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
Paying off
Purpose of loan:
This loan will be used to?
Consolidate Bill, to get family in better situation
My financial situation:
I am a good candidate for this loan because?
i am a good and honest person
Monthly net income: $
4500
Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 420
??Car expenses: $ 0
??Utilities: $ 200
??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 436642
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: $7,850.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 27.49% Starting borrower rate/APR: 28.49% / 30.85% Starting monthly payment: $326.79
 
Auction yield range: 11.29% - 27.49% Estimated loss impact: 10.69%  
Lender servicing fee: 1.00% Estimated return: 16.80%  
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: 8 First credit line: Sep-1991 Debt/Income ratio: 19%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 12 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:19y 0m
Amount delinquent: $0 Revolving credit balance: $10,022 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 65%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Lend2006 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 Card Debt
Purpose of loan:
This loan will be used to pay the balance on five (5) credit card accounts that have either had their interest rates increased, or will be increased in the new year.
My financial situation:
Here I am again and I still believe that I am an excellent?candidate for this loan;? I have a full time 12 month position with the local school district which includes health benefits and have a second job (consulting) at a local charter school; I bill them once a month for any hours worked (which vary month to month).?I have been a lender with Prosper since February 2006, and have successfully endorsed others to borrow with Prosper; my Propsper account is still active. I anticipate that consolidating my credit card debt into one payment will substantially improve my credit rate, which will in turn?help me to refinance my home morgtage next year from an adjustable to a fixed rate. I am also?still helping my 89 year old father (who has severe dementia) make up the difference needed with his nursing home expenses, and other day to day incidentals,?until his VA benefits begin (hopefully!) sometime in the new year. I will then be in a position to recoup what I've?paid on his behalf?as the funds are paid retroactively and I am his beneficiary.
Monthly net income: $ 2,876 (Salary only)

Monthly expenses: $
??Housing: $ 1178
??Insurance (car and house): $?128?
? Car expenses: $ 45
??Utilities (SCE and Gas Co): $?120??
? Phone, cable, internet: $?137
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans (including my father): $?900

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436648
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.49% Starting borrower rate/APR: 27.49% / 29.83% Starting monthly payment: $164.35
 
Auction yield range: 11.29% - 26.49% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.83%  
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: Not calculated
Credit score: 700-719 (Dec-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:1y 8m
Amount delinquent: $0 Revolving credit balance: $8,605 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 60%Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: compassion-blaster 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
Looking to fix motor
Purpose of loan:
This loan will be used to?Rebuid an engine for a car given to me. Its a 2001 Chrystler 300M. It only has 53k miles on it!?

My financial situation:
I am a good candidate for this loan because?This is not a loan request to get myself out of financial trouble. I can pay back the loan in a short term if desired. My wife also brings in?an additional $3,000.00 per month. The only reason I am looking for a loan is to get this done before Christmas. If I cannot get it done before then, I will just save up the money myself. Also my photo was too large to upload to the profile. If you would like to see a picture, please let me knoe and I will email you a photo. I can also email a photo of the car.?

Monthly net income: $ 4,000.00

Monthly expenses: $
??Housing: $ 2173.00
??Insurance: $ included in mortgage
??Car expenses: $ 65(insurance)
??Utilities: $ 225.00
??Phone, cable, internet: $ 115.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $
??Credit cards and other loans: $ 75.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436690
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: 26.49% Starting borrower rate/APR: 27.49% / 30.10% Starting monthly payment: $61.63
 
Auction yield range: 11.29% - 26.49% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.83%  
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: Mar-1994 Debt/Income ratio: 12%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 1 / 1Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:16y 6m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Postal Service
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 30 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: exchange-monger 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
Home Improvement
Purpose of loan:
This loan will be used to?
Fix up baby room
My financial situation:
I am a good candidate for this loan because?
I work full time and although i have made mistakes in the past, i am more resposible now.
Monthly net income: $
3200.00
Monthly expenses: $
??Housing: $ 1183.71
??Insurance: $?0
??Car expenses: $ 100.00
??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 436696
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: 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: $542.83
 
Auction yield range: 17.29% - 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: Dec-1996 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:1y 11m
Amount delinquent: $0 Revolving credit balance: $7,441 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 90%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: first-genuine-silver 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
Need to Consolidate
Purpose of loan:
This loan will be used to? consolidate my cc debt and my wife's cc debt

My financial situation:
I am a good candidate for this loan because? I pay my bills on time and care about my credit.? I am a home owner, husband, and a diligent and dedicated employee.

Monthly net income: $?5000 by myself wife makes 3000+

Monthly expenses: $
??Housing: $?400
??Insurance: $ 140
??Car expenses: $ 100
??Utilities: $ 200
??Phone, cable, internet: $ 90
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 450
??Other expenses: 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436702
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: 17.29% Starting borrower rate/APR: 18.29% / 20.50% Starting monthly payment: $907.45
 
Auction yield range: 17.29% - 17.29% Estimated loss impact: 18.95%  
Lender servicing fee: 1.00% Estimated return: -1.66%  
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: 4 First credit line: Mar-1996 Debt/Income ratio: 87%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 17 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 74Length of status:12y 5m
Amount delinquent: $0 Revolving credit balance: $27,698 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 76%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: rock78 Borrower's state: WestVirginia 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 several small revolving retail credit lines as well as 3 different credit cards.? I would rather borrow the money from the hardworking people that contribute to Prosper than my bank!

My financial situation: I am a good candidate for this loan because I'm responsible, trustworthy, and NEVER late!? I've been in the military for over 12 years and married for 10.? I have two young children and I take the responsibility of being a good husband and father very seriously.? My wife and I are also small business owners and strive to maintain an excellent credit rating, a respectable reputation, and admirable business ethics.? Both my wife and I have $1,000,000 life insurance policies and we are covered through AFLAC and the US Army for disability insurance.? We could easily take a loan out against the equity of our home to cover the debts listed below but, we just don?t feel comfortable doing that in this economy.? We see that as a ?last resort?.?

Monthly net income: $3600 is my net income.? However, my wife contributes the same amount to our household budget through her employment.

Monthly expenses: $5912.94????????????

Mortgage (30 yr. note): $1161.66 / Land loan (10 yr. note): $599.17??
Homeowner?s Insurance: $44.31??
Car expenses: $429.69 ? wife?s vehicle / $304.47 ? my vehicle / $283.89 - Insurance???
Yard equipment/tools: $95.00 ? John Deere tractor / $119.29 ? Honda 4x4 ATV??
Utilities: $114.67 ? power / $35.30 ? water / $129.00 - gas???
Phone, cable, internet: $162.33???
Food, entertainment: $800.00??
Clothing, household expenses $400.00??
Credit cards and other loans: $200.00 ? Visa / $200 ? MC / $200 - Discover??
Other expenses: $134.16 ? cell phones / $200.00 ? college loans / $300 ? Misc. retail accounts
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436714
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: 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: $180.94
 
Auction yield range: 14.29% - 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: Sep-1998 Debt/Income ratio: 28%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $30,291 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: loot-contributor5 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Fixing Kitchen before Tax time
Purpose of loan:
This loan will be used to? fix my kitchen before I get my tax refund.

My financial situation:
I am a good candidate for this loan because? I own a 3 family property and have a household income over 160k.

Monthly net income: $ 10000

Monthly expenses: $
??Housing: $ 4000
??Insurance: $
??Car expenses: $ 0
??Utilities: $ 500
??Phone, cable, internet: $ 400
??Food, entertainment: $?400????
??Clothing, household expenses $ 100
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436726
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: 17.29% - 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: Apr-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Dec-2009) Current / open credit lines: 21 / 18Employment status:Self-employed
Now delinquent: 0 Total credit lines: 61Length of status:5y 2m
Amount delinquent: $0 Revolving credit balance: $85,803 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 56%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: transparency-seagull6 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
Business Equipment
Purpose of loan:
This loan will be used to? Pay for my business equipment for my chiropractic office.

My financial situation:
I am a good candidate for this loan because?I have excellent credit and never missed a payment and have the ability to pay for this loan.? My wife's income of 45,000+ will also be helping paying off this loan, so there will be a combined $175,000.00 income this year.? My practice is growing and doubled the earnings from last year.? I am a good choice for this loan.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436732
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $207.99
 
Auction yield range: 11.29% - 14.00% Estimated loss impact: 10.31%  
Lender servicing fee: 1.00% Estimated return: 3.69%  
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: 7 First credit line: Apr-1995 Debt/Income ratio: 22%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 13 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:3y 9m
Amount delinquent: $0 Revolving credit balance: $35,028 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 83%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: courteous-return9 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 CC's off to get on track!
Purpose of loan:
This loan will be used to pay of my high APR credit cards and get myself back on track to reduce overall debt.? With the financial crisis, company's like Amex have cut my credit, while other companys (like Homedepot!) are looking to raise APR to 25% before government changes take affect.? I really want to make sure I am in a good place as the economy starts to hopefully recover.

My financial situation:
I am a good candidate for this loan because?I have a good credit rating, own a home with my wife and two kids, have a steady job (which they will hopefully remove the?hold on raises for the past 3 years) and as boring as a life as it sounds. :)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436738
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.94% Starting borrower rate/APR: 10.94% / 13.06% Starting monthly payment: $98.13
 
Auction yield range: 4.29% - 9.94% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
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: 9 First credit line: Jul-1993 Debt/Income ratio: 21%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 8 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 37Length of status:2y 5m
Amount delinquent: $0 Revolving credit balance: $27,084 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 49%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: givetolive 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: 0 / 1 On-time: 9 ( 100% ) 720-739 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
720-739 (Jul-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 9  
Description
Paying off my Credit Cards
Purpose of loan:
This loan will be used to? Consolidate some debt and reinvest into PROSPER. I currently am a lender on PROSPER,?and I love it. I would like to create a little breathing room for myself and continue to help others by investing in them. Thank You.??

My financial situation:
I am a good candidate for this loan because? I am stable with the Post Office and always pay my bills.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436744
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: 31.44% Starting borrower rate/APR: 32.44% / 34.85% Starting monthly payment: $656.98
 
Auction yield range: 11.29% - 31.44% Estimated loss impact: 10.80%  
Lender servicing fee: 1.00% Estimated return: 20.64%  
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-2002 Debt/Income ratio: 17%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 13 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:6y 11m
Amount delinquent: $0 Revolving credit balance: $76,592 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 91%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: pound-superstar Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
HOME MODIFICATION
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 436756
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: 17.29% Starting borrower rate/APR: 18.29% / 20.50% Starting monthly payment: $362.98
 
Auction yield range: 17.29% - 17.29% Estimated loss impact: 18.95%  
Lender servicing fee: 1.00% Estimated return: -1.66%  
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: 5 First credit line: Oct-1998 Debt/Income ratio: 25%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 4 / 3Employment status:Part-time employee
Now delinquent: 3 Total credit lines: 10Length of status:0y 6m
Amount delinquent: $2,848 Revolving credit balance: $1,713 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 13%Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Homeownership: No  
Inquiries last 6m: 0    
Screen name: value-scout9 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
medical bills/ paying off car
Purpose of loan:
I had a bad wreck on my rollerblades and had several expensive exrays done.? I returned to the hospital 3 days later, because of complications.? I'm ok now, but my medical bills are up to $4500.? My car has been in and out of the shop for the past 2 years and currently needs a new transmission.? I owe about $4200 to pay it off and haven't been able to drive it for about 9 months.? I've been riding the bus every day and night and do a lot of walking, but with a serving job i can't seem to keep up with all this overhead.?

My financial situation:
I am a good candidate for this loan because? I work 5-6 days a week and have several references that can vouch for my work ethic.? I've moved up in every job I've had and aspire to open my own establishment one day.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436768
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 21.64% Starting borrower rate/APR: 22.64% / 24.91% Starting monthly payment: $963.06
 
Auction yield range: 8.29% - 21.64% Estimated loss impact: 6.71%  
Lender servicing fee: 1.00% Estimated return: 14.93%  
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-1985 Debt/Income ratio: 34%
Credit score: 840-859 (Dec-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 30Length of status:26y 8m
Amount delinquent: $0 Revolving credit balance: $21,604 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 28%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: diplomatic-auction0 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
home remodeling
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 436774
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: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $127.35
 
Auction yield range: 8.29% - 29.00% Estimated loss impact: 7.20%  
Lender servicing fee: 1.00% Estimated return: 21.80%  
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: Apr-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Dec-2009) Current / open credit lines: 14 / 11Employment status:Self-employed
Now delinquent: 0 Total credit lines: 34Length of status:2y 3m
Amount delinquent: $0 Revolving credit balance: $25,262 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 78%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: frankiecooper 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
Adios credit cards....and high rate
?I am a Personal Trainer in Los Angeles CA. 2 years ago I set off on my own to open Pure and Simple Fitness ? a personal training business where I no longer had to share in the profits derived from training sessions. The problem: when my oldest daughter was born, much of the related expenses/everyday expenses were put on CC?s and then during the financial meltdown my available credit was reduced which triggered increasing interest, a higher debt ratio, and a lower score(Equifax has me at a 697 as of last week).
I am trying to pay off my highest interest cards. I have negotiated 5 of my cards down and closed the ones I could .My last request for funding was unsuccessful (but oh so close...), so I have lowered my requested amount and increased my starting interest rate. I figure something is better than nothing to make a dent in this.
Feel free to ask me any questions you might have, and thanks for bidding!!! This is a re-listing. My last couple of attempts were unsuccessful, but I'm not giving up!! Fingers crossed on this one!

Monthly net income: $ 6600

Monthly expenses: $ 5854

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436780
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.49% Starting borrower rate/APR: 27.49% / 29.83% Starting monthly payment: $73.96
 
Auction yield range: 11.29% - 26.49% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.83%  
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: Mar-1995 Debt/Income ratio: 6%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 3 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:13y 7m
Amount delinquent: $0 Revolving credit balance: $386 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 35%Stated income:$1-$24,999
Delinquencies in last 7y: 15 Homeownership: No  
Inquiries last 6m: 2    
Screen name: determined-kindness Borrower's state: SouthDakota 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
Please help me pay my debts off
Purpose of loan:
This loan will be used to? pay all bills at once.

My financial situation:
I am a good candidate for this loan because?I will make the payments and someday return the favor.?

Monthly net income: $ 1500

Monthly expenses: $
??Housing: $
??Insurance: $ 80
??Car expenses: $ 300
??Utilities: $
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $ 100
Information in the Description is not verified.