Listing Report:Supplement No. 121 dated Dec 11, 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 425059
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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 11.20% - 34.00% Estimated loss impact: 10.87%  
Lender servicing fee: 1.00% Estimated return: 23.13%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Jul-1995 Debt/Income ratio: 35%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 13 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 35Length of status:2y 1m
Amount delinquent: $0 Revolving credit balance: $12,743 Occupation: Laborer
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: the-transaction-wizard 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
pay off credit cards
Purpose of loan:
This loan will be used to?pay off credit cards?

My financial situation:
I am a good candidate for this loan because? i have never been late paying my bills , i have a very secure job in the energy sector

Monthly net income: $?5000.00????
Monthly expenses: $
??Housing: $ 725.00????
??Insurance: $ 50.0????
??Car expenses: $ 25.00
??Utilities: $?250.00????????
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 700.00
??Clothing, household expenses $
??Credit cards and other loans: $ 1500.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436485
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: $1,750.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 23.70% Starting borrower rate/APR: 24.70% / 27.00% Starting monthly payment: $69.30
 
Auction yield range: 8.20% - 23.70% Estimated loss impact: 7.06%  
Lender servicing fee: 1.00% Estimated return: 16.64%  
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: 9 First credit line: Nov-1993 Debt/Income ratio: 31%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:16y 2m
Amount delinquent: $0 Revolving credit balance: $25,132 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: alvinstne 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
700-719 (Apr-2008)
 
Principal balance: $1,288.96 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Payoff high interest credit cards
Purpose of loan:???????????????
This loan will be used ?.To pay off?one high APR?credit card .

My financial situation:
I am a good candidate for this loan because I?have never been late or delinquent in the 17yrs of my credit history. I have an existing?Prosper loan that is deducted automatically, as this loan will be also. I have a good work ethic along with a stable secure job and excellant benefits with my employer of 16 yrs.I share household expenses with my mother as indicated by my monthly expenses. I do recognize that my DTI and Bank Card Utilization are high, this was partly?due to a family financial crisis that occured that I have managed to get thru without any negatives to my credit history..My financial goal is to reduce my debt by paying off or down all of my?credit balances beginning with the highest APR'S,?applying all of my?discretionary income to do so until my?DTI and credit score improve significantly. As my?finances improve I too will invest in Prosper Members as you have invested in me. Thank You Prosper Members for all of your support. HAPPY HOLIDAYS TO ALL OF YOUR FAMILIES

Monthly net income: $ 2,981.00

Monthly expenses: $ 1,475.00
??Housing: $ 250
??Insurance: $?40
??Car expenses:?$?I own my car
??Utilities: $ 125
??Phone, cable, internet: $45
??Food, entertainment: $125
??Clothing, household expenses $?100
??Credit cards and other loans: $ 750
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437705
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: $13,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 20.00% Starting borrower rate/APR: 21.00% / 23.25% Starting monthly payment: $489.78
 
Auction yield range: 11.20% - 20.00% Estimated loss impact: 10.48%  
Lender servicing fee: 1.00% Estimated return: 9.52%  
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: Jul-1999 Debt/Income ratio: 25%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:4y 6m
Amount delinquent: $0 Revolving credit balance: $2,591 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 32%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: income-celebration 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
Upfront/closing cost
Purpose of loan:
This loan will be used to provide upfront funding in support of business acquisitions/investments.

My financial situation:
I am a good candidate for this loan because my recent payment history indicates strong reliability; my regular employment is secure; and my cash flow is very flexible and positive.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437711
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: 17.20% - 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-1994 Debt/Income ratio: 5%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:3y 1m
Amount delinquent: $0 Revolving credit balance: $617 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 16 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: wise-organic-dollar 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
relisting, still hopefull
Purpose of loan:
This loan will be used to?reduce my mortgage payments. My current mortgage interest rate is almost 11%.? I qualify for the government mortgage modification program (HAM) but have been unsuccessful in dealing with the loan company on my own. I have also tried enlisting the help of the HUD housing counselors which were little to no help. I have a proposal from a law firm that comes with a written money back guarantee to greatly reduce my monthly payment. If they can not come to an agreement with my lender that I am satisfied with, 100% of the? money will be refunded. The fee is $3000 up front.The proposal that they have given me will almost cut my monthly payments in half. I will be glad to provide all of the paperwork from the law firm which includes a working agreement and the projected payment reduction. I have saved? $1000 but I need $2000 more to get started.? My credit rating has been damaged by a recent divorce, so I am working to rebuild it.? I pay all of my bills on time.? I recently paid off my car so making these payments will be no problem, especially when my mortgage payments are greatly reduced.? I do not want to lose my home.?? Thank you for your consideration and help.? What a wonderful forum.



My financial situation:
I am a good candidate for this loan because?I do some freelance art and interior design work including home staging in addition to my full time job which can add $200-1000 to my monthly income listed.

Monthly net income: $ 2400 consistently

Monthly expenses: $
??Housing: $850
??Insurance: $ 200
??Car expenses: $ 85
??Utilities: $ 90
??Phone, cable, internet: $ 80
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 230
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437729
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: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $361.89
 
Auction yield range: 17.20% - 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-1997 Debt/Income ratio: 25%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 17 / 15Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 46Length of status:26y 9m
Amount delinquent: $4,386 Revolving credit balance: $3,589 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 17%Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: please Borrower's state: Mississippi Borrower's group: BORROWERS - Free instant Listings - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my debt
Purpose of loan:
This loan will be used to?pay off my debt.?Due to the economy I had to take a huge pay cut in order to keep my job and this loan will cure all of my financial headaches all I will have to pay is this loan and my monthly utilities bill and my house payment.

My financial situation:
I am a good candidate for this loan because? I pay all of my bills I am?just having a hard time now due to the economy thats why?I need to get this loan so I can just have one place to pay and not worry about stamps and all the bills that comes in the mail every month.

Monthly net income: $ 2000 Take home?

Monthly expenses: $?
??Housing: $ 655
??Insurance: $100??
? Car expenses: $100 a month for gas?
??Utilities: $?220
??Phone, cable, internet: $?85
??Food, entertainment: $?150?just food (not?Entertainment)
??Clothing, household expenses $0 dont buy clothes and household expenses on a monthly basis?
??Credit cards and other loans: $450
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437741
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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 31.67% Starting borrower rate/APR: 32.67% / 35.09% Starting monthly payment: $219.64
 
Auction yield range: 14.20% - 31.67% Estimated loss impact: 15.46%  
Lender servicing fee: 1.00% Estimated return: 16.21%  
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-2002 Debt/Income ratio: 91%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 14 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:1y 5m
Amount delinquent: $0 Revolving credit balance: $8,889 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 84%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Cricky1224 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off past college expenses on the credit card bills. Not only would I save money from the finance charges,
that also means I can finally have the opportunity to earn money to return to school in the future.

My financial situation:
I am a good candidate for this loan because I pay all of my bills on time. Paying off these credit card bills would help out a lot because not only can I save money, I can also pay
more on my school loans. To further trim down my expenses, I moved in with a relative to save on housing and utility expenses. The plan on 2010 is to cut down on the credit card
and school loans. Once these are paid off, I can finally have? the money to earn for future education and eventually have my own place to live. I'm planning on becoming a CPA
which is why a good financial standing is very important.

Monthly net income: $ 950 full-time and 900 part-time all after taxes

Monthly expenses: $
??Housing: $ 260.00
??Insurance: $ 85.00
??Car expenses: $ 290.00
??Utilities: $ 130 (electric bill only)
??Phone, cable, internet: $ 30 (cell tracfone minutes and share of satellite TV bill of $10)
??Food, entertainment: $ 50
??Clothing, household expenses $ 40
??Credit cards and other loans: $ 300 total for credit cards and 450 for school loans
??Other expenses: $ 100 (gas money for commuting at work)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437743
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: 17.20% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 5 First credit line: Nov-1993 Debt/Income ratio: 25%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 5 / 4Employment status:Retired
Now delinquent: 0 Total credit lines: 30Length of status:1y 8m
Amount delinquent: $0 Revolving credit balance: $714Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0% 
Delinquencies in last 7y: 16 Homeownership: No  
Inquiries last 6m: 1    
Screen name: funds-base9 Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
PERSONAL
Purpose of loan:
This loan will be used to?
PERSONAL
My financial situation:
I am a good candidate for this loan because?
HAVE A RELIBLE INCOME & NOT VERY MUCH DEBT
Monthly net income: $
2712
Monthly expenses: $
??Housing: $ 730
??Insurance: $ 160
??Car expenses: $
??Utilities: $ 120
??Phone, cable, internet: $ 150
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $?182??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437753
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 5 First credit line: Jan-2004 Debt/Income ratio: 73%
Credit score: 620-639 (Dec-2009) Current / open credit lines: 10 / 10Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 11Length of status:2y 4m
Amount delinquent: $0 Revolving credit balance: $7,328 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 72%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: JustinW6988 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 12 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
680-699 (Oct-2009)
600-619 (Aug-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 12  
Description
Paying for DePaul School of Music
Purpose of loan:
This loan will be used to pay for my schooling at the DePaul University School of Music.

My financial situation:
I am a good candidate for this loan because I am extremely responsible, especially when it comes to paying my bills. I have been trying my hardest to establish good credit for the past 5 years, but it takes time. I came to prosper about a year ago because I desperately needed financial assistance in obtaining a new saxophone for my auditions to get into music school. Fortunately prosper granted my request for a loan, which I have already paid back, and I was able to buy a professional saxophone, which I took on my auditions to Indiana University, University of Illinois, and DePaul University. I actually got into all three schools, thanks to the help of the prosper lenders. I now attend the School of Music at DePaul University, where I am studying to become a music educator, however I was just given the news that if I am unable to pay the years tuition by next quarter (January) I will not be able to attend the school.

Monthly net income: $ 2,000-3,000

Monthly expenses: $
??Housing: $ 400
? Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Clothing, household expenses $50
??Credit cards and other loans: $ 300
??Other expenses: Music/Instrument upkeep $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437759
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: 17.20% - 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: Aug-1983 Debt/Income ratio: 37%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 22 / 21Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 50Length of status:26y 11m
Amount delinquent: $81 Revolving credit balance: $46,062 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 99%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: hard-working-dollar4 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? Pay credit card debt and to pay tuition ?

My financial situation:
I am a good candidate for this loan because? I am dependable and pay my bills

Monthly net income: $ 5,000.00

Monthly expenses: $
??Housing: $ 670.00
??Insurance: $ 300.00
??Car expenses: $
??Utilities: $ 180.00
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437777
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: 17.20% - 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-1991 Debt/Income ratio: 24%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 35Length of status:3y 11m
Amount delinquent: $0 Revolving credit balance: $915 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 53%Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: the-obedient-note 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
Siding and Windows Home Repairs
Purpose of loan:
This loan will be used for Home Repairs

My financial situation:
I am a good candidate for this loan because I am financially stable and am looking to repair my home in order to sell my home in the next year for a higher value.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437795
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: $3,100.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 12.35% Starting monthly payment: $102.96
 
Auction yield range: 3.20% - 11.00% Estimated loss impact: 0.61%  
Lender servicing fee: 1.00% Estimated return: 10.39%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 10 First credit line: Sep-1986 Debt/Income ratio: 16%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:4y 2m
Amount delinquent: $0 Revolving credit balance: $24,830 Occupation: Executive
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: 0    
Screen name: zoo196 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
Small business loan as we expand!
Purpose of loan:
This loan will be used to expand our growing real estate business.? As you know, there has never been a better time to buy a home. As prices have dropped, we are continuing to provide affordable housing for those who need it.? These additional funds will allow us to make more offers, and thus provide more opportunities for people to buy homes, instead of renting.

My financial situation:
I am a good candidate for this loan because I have great credit and I take pride in always paying my bills on time.? I have been?working for the same employer for over four years, and her business is expanding.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437801
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: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $138.66
 
Auction yield range: 11.20% - 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-1997 Debt/Income ratio: 14%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:6y 2m
Amount delinquent: $0 Revolving credit balance: $4,834 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 106%Stated income:$50,000-$74,999
Delinquencies in last 7y: 18 Homeownership: No  
Inquiries last 6m: 0    
Screen name: nena31 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: 33 ( 100% ) 700-719 (Latest)
Principal borrowed: $3,500.00< mo. late: 0 ( 0% )  
640-659 (Feb-2007)
 
Principal balance: $345.05 1+ mo. late: 0 ( 0% )
Total payments billed: 33  
Description
Consolidating Credit Card Debt
Hello everyone,

I'm looking for a loan of $4000 to pay off two high interest credit cards. Please note my accounts are current and under the credit limit and I would like to continue to keep them this way. Due to the change in the economy my creditors have increased my interest rate from 10% to 25%. I'm currenly employeed full time Bank as a Loan Processor. I opened a account prosper account in 2007 and have been making my payments on time since. My account will be fully paid of in three months and I would like to continue to keep work hard at keeping my credit in good standing. I am currently paying high interest on a two of my credit cards that I'd like to consolidate into one monthly payment. I intend to take the full 3 years to pay this loan off, so this will provide you with a steady stream of income and full interest for the term of the loan. I would be taking this money and immediately using it to consolidate my cards. I have a VERY low debt to income ratio.

In sum, I think I'm a good candidate for this loan because
1) I have the income to pay back
2) Low Debt to Income Ratio
3) I Understand the importance of making my credit better.
4) This interest rate is?TRIPLE what you can get at most banks for the same period in a CD or an online bank money market.
5) I have proven the ability to re-pay my current prosper loan.


Thank your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437807
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: 17.20% Starting borrower rate/APR: 18.20% / 20.41% Starting monthly payment: $362.53
 
Auction yield range: 17.20% - 17.20% Estimated loss impact: 35.45%  
Lender servicing fee: 1.00% Estimated return: -18.25%  
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: 1 First credit line: Feb-1990 Debt/Income ratio: 11%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 5 / 3Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 66Length of status:0y 2m
Amount delinquent: $11,291 Revolving credit balance: $15,200 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 64%Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: market-accruer6 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 Bad Debt
Purpose of loan:
This loan will be used to payoff debt.

My financial situation:
I am a good candidate for this loan because I have a great job and I will be getting a 2nd job soon.? I am a single mom recently divorced and I am getting myself back on my feet.? This process has been slow, however I am seeing a light at the end of the tunnel.? My goal is to be financially stable by March of 2010.

Monthly net income: $ 4500

Monthly expenses: $
??Housing: $?1824
??Insurance: $?50
??Car expenses: $ 0
??Utilities: $?200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $?200
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437819
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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 7.60% Starting borrower rate/APR: 8.60% / 8.94% Starting monthly payment: $158.07
 
Auction yield range: 3.20% - 7.60% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 7.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 10 First credit line: Apr-1994 Debt/Income ratio: 13%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 40Length of status:19y 11m
Amount delinquent: $0 Revolving credit balance: $138,179 Occupation: Skilled Labor
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: cognizant-power6 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
Inventory for Store
Purpose of loan:
This loan will be used to? help add inventory to our home accent store and to help pay certain?bills over the slower part of the retail season. We opened our store in March of 2009 in historical downtown Stillwater, Minnesota.? Our town is a bustling tourist town?in the summer months and a bit of a slow down after the holiday season.? We would like to use this loan as a back up for paying certain bills in our slower winter months.?

My financial situation:
I am a good candidate for this loan because? we have always been on time paying our monthly bills.? We hope to expand our design services over the winter months and that will bring in more revenue to help pay back our loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437825
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $123.12
 
Auction yield range: 11.20% - 26.40% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.74%  
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: Dec-1974 Debt/Income ratio: 40%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 16 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 51Length of status:0y 6m
Amount delinquent: $0 Revolving credit balance: $9,360 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: knowledgeable-diversification4 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off 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 437843
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: 17.20% Starting borrower rate/APR: 18.20% / 20.41% Starting monthly payment: $271.90
 
Auction yield range: 17.20% - 17.20% Estimated loss impact: 35.45%  
Lender servicing fee: 1.00% Estimated return: -18.25%  
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: 1 First credit line: Apr-2005 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 8Length of status:5y 6m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Military Enlisted
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: 3    
Screen name: bid-blossom 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
IN NEED OF HELP
Purpose of loan:
This loan will be used to?
pay off my existing loans and bills to help me get back on my feet after returning from deployment since my pay has been messed up.
My financial situation:
I am a good candidate for this loan because?
until this past month i have payed off everything in a timely manner without defaulting on payments.
Monthly net income: $
2800
Monthly expenses: $
??Housing: $ 1350
??Insurance: $ 215
??Car expenses: $ 400
??Utilities: $ 35
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 200
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437849
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: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $215.67
 
Auction yield range: 11.20% - 30.24% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.48%  
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: Oct-1993 Debt/Income ratio: 46%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 13 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 52Length of status:13y 8m
Amount delinquent: $0 Revolving credit balance: $39,013 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 78%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: thunder22 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
Credit Card Debt
Purpose of loan:
This loan will be used to?pay off current credit card debt. My goal is to be debt-free as quickly as possible.

My financial situation:
I am a good candidate for this loan because while I am able to currently pay my credit cards, I am not making a big enough dent in the actual balances to really make a difference. Using Propser.com, I will be able to pay these down more quickly.? Now that I am in a great job making good money my intention is to pay quite a bit more than the minimum every month. It is unlikely it will take me the full balance of time to pay off this loan. Please invest. I have never been late on a payment. I am a good candidate.

Monthly net income: $4500

Monthly expenses: $?2400
??Housing: $?1400
??Insurance: $ 50
??Car expenses: $?300
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437855
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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $74.33
 
Auction yield range: 4.20% - 19.00% Estimated loss impact: 2.18%  
Lender servicing fee: 1.00% Estimated return: 16.82%  
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: 9 First credit line: Apr-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Nov-2009) Current / open credit lines: 1 / 1Employment status:Self-employed
Now delinquent: 0 Total credit lines: 2Length of status:4y 11m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: independent-deal9 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
Starting My Life
Purpose of loan:
This loan will be used to fund the development of my game design companies latest game. My team and I are already hard at work and very devoted to this project. I already have fixed amounts of what my employees expect for this game so I know exactly how much this game will cost for development, and I have also presented the idea to many different websites and I have many different potential buyers. They have seen some of the games early work and they are very excited, and they have already made very generous offers that will insure the games success when released. I have already factored in all the costs of the games development and the loan will cover everything. I am a person who has always dealt with cash and never dealt with debt so I see this as a great opportunity to build up my credit in a positive way. I admittedly will pay this loan off early because I am a cash guy.The games development should only take 1 month to complete but I have given them 2 months to insure the games quality. The game will be about a man who has the ability to stop time. He will travel through time solving various puzzles and saving people.

My financial situation:
I am a good candidate for this loan because I have been developing games for the past two years as a full time job, but I have 6 years of experience prior to that. The earlier years I worked alone, with partners and various companies and I have always been successful and all my games have brought me large amounts of profit. Using the plans I developed I have created many award winning games and I plan to use the same plan in my own company. I plan to use the revenue from this game to pay off the loan, basing this on my previous games that should not be a problem. I should be able to pay off the loan and fund my next games development, but if for some reason the project did not work out I will still be able to pay off the loan quite easily with the income from my own games and also be able to fund another game for the company. That seems very unlikely though because I have been doing this for many years now and it has always worked out in a positive way.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437865
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: 6.5%  
   
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.33% Starting monthly payment: $94.29
 
Auction yield range: 8.20% - 20.08% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.11%  
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-1997 Debt/Income ratio: 40%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 17 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 32Length of status:6y 11m
Amount delinquent: $0 Revolving credit balance: $40,177 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 69%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: kind-currency-mesh Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Debt
Purpose of loan:
Pay off some of our credit debt. We had a child and are not eligible? to lower our mortgage payment. We have been in a credit consolidation program and have been making the payments but combined with our mortgage we are struggling to afford other bills like utilities. Even though we pay everything on time we have no savings and there seems to be no breathing room. We need the help to pay off some debt in order to lower our monthly payments and pay creditors in full to get back on out feet.

My financial situation:
I am a good candidate for this loan because I pay loans on time.

Monthly net income: $ combined with my husbands it is about 8,000

Monthly expenses: $
??Housing: $ 2708
??Insurance: $ 113
??Car expenses: $ 800
??Utilities: $ 500
??Phone, cable, internet: $ 140
??Food, entertainment: $
??Clothing, household expenses $ 800
??Credit cards and other loans: $ 2500
??Other expenses: $ 200 childcare
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437883
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: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $258.80
 
Auction yield range: 11.20% - 30.24% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.48%  
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: 36%
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 437889
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: 26.40% Starting borrower rate/APR: 27.40% / 30.01% Starting monthly payment: $61.56
 
Auction yield range: 11.20% - 26.40% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.74%  
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: Nov-1991 Debt/Income ratio: 9%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 4 / 3Employment status:Retired
Now delinquent: 1 Total credit lines: 22Length of status:2y 2m
Amount delinquent: $412 Revolving credit balance: $1,244Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 42% 
Delinquencies in last 7y: 21 Homeownership: No  
Inquiries last 6m: 1    
Screen name: MOMac Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 3 ( 60% ) 640-659 (Latest)
Principal borrowed: $1,500.00< mo. late: 2 ( 40% )  
600-619 (Apr-2008)
580-599 (Dec-2007)
620-639 (Nov-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 5  
Description
Pay for auto Transmission expenses.
Purpose of loan:
My 2001 Hyundai Tiburon, at 95,238 miles,?required a new transmission.? In October, 2009, the local Hyundai Service Manager refused to honor Hyundai's warranty, implying that an after-market part caused the transmission to fail.? I now have expert proof (pictures, the failed part, and an expert's report) that a Hyundai part caused transmission to fail.? I have engaged an attorney, who has demanded that Hyundai honor its warranty (October-November, 2009), but Hyundai has yet to respond.? It may be months before the problem is resolved, and Hyundai refunds me monies expended..
My financial situation:
(explain why you are a good candidate for paying back this loan)? All prior debts discharged in Bankruptcy in May 2004 (due to ID theft), ?except for CFNA/Firestone Card? (current).I have no current delinquencies: 2008 credit report shows as delinquent a debt discharged by Bankruptcy Court/Trustee and relevant party so notified that they?stand in contempt of KCMO Bankruptcy Court Discharge Order.? Auto Loan ($6,500) and prior Prosper($1,500) loans have been paid-off? (October-November, 2008).? All credit card debt is current (no delinquencies)..?I generally pay off credit card charges when statement is received. ?All insurance and utility bills are paid and current. I worked for Dept Homeland Security as CIS Applications Adjudication Officer (GS-07) until disability in August 2007.? One can not work for DHS with unresolved credit problems as any employee would fail a required? /security clearance/background check .?I passed in?February, 2006? I left DHS because of service-connected disability: exposure to Agent Orange?(2-tour Vietnam veteran) in August, 2006. ?I received a VA Disability Rating of 100% disabled in October, 2008,? My yearly VA benefit is $32,212 and my yearly SS Benefit is $13,212.00.?My medical expenses are covered by the VA.? ?Therefore, I have a provable?annual income of $45,288 (non-taxable)./provable

Monthly net income: $ 3,774.00

Monthly expenses:??? $ 2,674.00
? Housing: $?285
??Insurance: $?110
??Car expenses: $?175
??Utilities: $?300
??Phone, cable, internet: $?154
??Food, entertainment: $ 400
??Clothing, household expenses $?100
??Credit cards and other loans: $?400
??Other expenses: $ 250
? Charitable (disabled neighbor, fraternal and religious donations) 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437895
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: 14.20% Starting borrower rate/APR: 15.20% / 17.37% Starting monthly payment: $260.73
 
Auction yield range: 14.20% - 14.20% Estimated loss impact: 14.61%  
Lender servicing fee: 1.00% Estimated return: -0.41%  
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: 6 First credit line: Jul-1981 Debt/Income ratio: 10%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:5y 9m
Amount delinquent: $0 Revolving credit balance: $14,300 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 92%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: intrepid-bid5 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
early first time home buyer credit
Purpose of loan:
This loan will be used to? Pay off outstanding credit card debt, extra cash to set up first household in new house.

My financial situation:
I am a good candidate for this loan because? I have a secure job with Lockheed Martin Company, this loan, The entire amount of the loan will be repaid as soon as I receive my Taxes back. I qualify for the first time home owner credit of 8,000.00 based on the tax break the U.S. Government (IRS).

Monthly net income: $
9,600.00
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 437919
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: 17.20% - 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: Dec-2004 Debt/Income ratio: 15%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 7Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $3,018 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 39%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 4    
Screen name: fairness-pillow Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off credit cards with high intrest rates.

My financial situation:
I am a good candidate for this loan because I have just graduated college and that debt has followed me. I have just begun a successful career with great job security, I am ready to pay off my debt and establish a better credit score.

Monthly net income: $ 3708

Monthly expenses: $
??Housing: $ 450
??Insurance: $ 100
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 100
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437925
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: 9.85% Starting borrower rate/APR: 10.85% / 14.43% Starting monthly payment: $32.67
 
Auction yield range: 4.20% - 9.85% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
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: 9 First credit line: Oct-1992 Debt/Income ratio: 10%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 12 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 13Length of status:12y 10m
Amount delinquent: $0 Revolving credit balance: $8,442 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 27%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: HotRodw2002 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 740-759 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
760-779 (Jun-2008)
 
Principal balance: $553.32 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
for personal reasons
This is a personal loan I am seeking that I want to pay off in twelve months: with first payment due Aug. 1, 2008



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 437937
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 32.50% Starting borrower rate/APR: 33.50% / 35.93% Starting monthly payment: $332.93
 
Auction yield range: 8.20% - 32.50% Estimated loss impact: 7.29%  
Lender servicing fee: 1.00% Estimated return: 25.21%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Sep-1990 Debt/Income ratio: 82%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:8y 10m
Amount delinquent: $0 Revolving credit balance: $88,345 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 89%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: growing-sales2 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
Refinancing from business startup
Purpose of loan:
This loan will be used as a first step in refinancing credit card debt incurred during the business start up of Impulse Creations. The business has been profitable for several years but interest on credit cards is limiting growth. This initial loan is the first to prove myself here on Prosper and other loans will follow until all debt has been refinanced.

My financial situation:
I am a good candidate for this loan because I pay both all business and personal debts on time with no exceptions. I have no late payments of any kind. This business debt on personal cards gives me a high debt to income ratio but the debt is actually a business expense and is paid for with business funds which are far more than sufficient. Once business debt on personal cards is removed from the equation, the debt to income ratio is excellent and would greatly improve the Prosper rating.

I have no problem meeting current or future obligations and take those obligations seriously. Creditors and my customers come first before anything else. In addition, this loan will not incur any new debt since it will be used exclusively to pay off old debt.

Monthly net income: $ 4335.00

Monthly expenses: $ 2470.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437989
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: $9,600.00 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: $434.27
 
Auction yield range: 17.20% - 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-1985 Debt/Income ratio: Not calculated
Credit score: 600-619 (Dec-2009) Current / open credit lines: 10 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 112Length of status:0y 5m
Amount delinquent: $0 Revolving credit balance: $735 Occupation: Sales - Retail
Public records last 12m / 10y: 1/ 1 Bankcard utilization: 10%Stated income:$75,000-$99,999
Delinquencies in last 7y: 14 Homeownership: No  
Inquiries last 6m: 9    
Screen name: sidtig 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: 0 / 1 On-time: 0 ( 0% ) 600-619 (Latest)
Principal borrowed: $9,000.00< mo. late: 0 ( 0% )  
780-799 (Aug-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 0  
Description
Paying back mom for my car
?Hello;
??? Thank you for taking the time to read my post.? I have used prosper before and totally paid back my loan.? My life has changed drastically since then.? I have been divorced now for a little over a year.? I have full custody of my 2 young children.? Former wife had an alcohol problem, but I still had to buy her out to get custody.? Let me say it wiped me out.? After the divorce I lost my job in the auto business.? What a mess.? I lost everything.? I have slowly rebuilt my life and it is getting better every month.? I now have a great job and earn a solid living again.? I need to pay my mom back for the car she bought for me.? I have been driving it, but it is in her name. I need to pay her back to free up her credit for her own needs.? She was more than generous.? I can assure you this loan will be paid timely.? I have always had 700+ credit.? This setback is only temporary.? Thanks again.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437995
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $388.20
 
Auction yield range: 11.20% - 30.24% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.48%  
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: Feb-1993 Debt/Income ratio: 18%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:6y 6m
Amount delinquent: $0 Revolving credit balance: $5,846 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 46%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: studious-wealth4 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
Pay off my last two credit cards
Purpose of loan:
This loan will be used to?consolidate debt into one payment.

My financial situation:
I am a good candidate for this loan because?I have worked at current job for 7 years and make over $40,000/year; Recent credit history since 2005: ?paid off?6 months early last large loan through WFS/Wachovia?2005-2008 for $15,000; paid off?two HSBC credit cards over $2,000; paid down to zero $1,500 Best Buy credit card 2008; have available the last year + another $5,000 in credit with Best Buy and GEMG/Care Credit and have not used it - paid cash $1,000 medical bill from this summer to Minor and James Medical in Seattle...

Monthly net income: $3,400

Monthly expenses: $
??Housing: $ 650
??Insurance: $ 120
??Car expenses: $ 0
??Utilities: $ 25
??Phone, cable, internet: $ 100
??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 438001
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 4 First credit line: Dec-1998 Debt/Income ratio: Not calculated
Credit score: 680-699 (Dec-2009) Current / open credit lines: 2 / 2Employment status:Not employed
Now delinquent: 0 Total credit lines: 21Length of status:0y 5m
Amount delinquent: $0 Revolving credit balance: $0Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0% 
Delinquencies in last 7y: 2 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: bid-gazelle Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
PAYING FOR COLLEGE, PAY DEBT
Purpose of loan:
This loan will be used to pay for my last semester of college as well as a couple credit cards.?

My financial situation:
I am a good candidate for this loan because it will be used to pursue a higher education.? I am currently in college to obtain a degree in Surgical Technology.? I have 1 semester left and graduate in May.? Currently in my degree program, I work in hospitals and surgery centers for class.? Upon doing this, I have made contacts and have already been offered a job that will be waiting for me when I graduate.? Upon graduating, once we get to the point that we can help others, we would like to give scholarships that would allow other working parents to go back to college to pursue their desired career.? But for now, I am just trying to make a better life for myself and my family.

Monthly net income: $ 3600 (Husband's income)

Monthly expenses: $ 3405
??Housing: $ 1535
??Insurance: $ 135 ????
??Car expenses: $ 485
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 500
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 400

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438013
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 31.34% Starting borrower rate/APR: 32.34% / 34.75% Starting monthly payment: $1,093.58
 
Auction yield range: 11.20% - 31.34% Estimated loss impact: 10.79%  
Lender servicing fee: 1.00% Estimated return: 20.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 6 First credit line: Jun-1990 Debt/Income ratio: 52%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 9 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 29Length of status:4y 5m
Amount delinquent: $0 Revolving credit balance: $67,208 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 72%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: ethical-loan 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
Putting in an additional room
Purpose of loan:
This loan will be used to add a room?onto our home. We have an outdoor?deck located on the back of our house that we would like to remodel and?make into a family room.

My financial situation:
I am a good candidate for this loan because I have a good and stable job (Wachovia Bank)?and have excellent credit (over 700). I have never been late with any of my mortgage or debit payments. Also, I did not report this as additional income on my loan application, but I have several free and clear rental properties which provide me with additional monthly income.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438031
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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $218.68
 
Auction yield range: 17.20% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 4 First credit line: Jul-2006 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2009) Current / open credit lines: 5 / 4Employment status:Not employed
Now delinquent: 0 Total credit lines: 6Length of status:0y 11m
Amount delinquent: $0 Revolving credit balance: $2,336Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 79% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: dedication-searcher 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 School
Purpose of loan:
This loan will be used to pay for my tuition at The Hemodialysis Training School. The course is a three month program, that trains me to become a Dialysis Technician.

My financial situation:
I am a good candidate for this loan because, not only do I have a great reputation in keeping up with my debt, but also, if given a chance to finish this program, I will have a better chance in increasing my financial status.

Monthly net income: $ 2000.00

Monthly expenses: $
??Housing: $ 970.00 ????
??Insurance: $ 84.00
??Car expenses: $40.00
??Utilities: $ 100.00
??Phone, cable, internet: $ 180.00
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 500.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438037
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: 17.20% Starting borrower rate/APR: 18.20% / 20.41% Starting monthly payment: $362.53
 
Auction yield range: 17.20% - 17.20% Estimated loss impact: 19.95%  
Lender servicing fee: 1.00% Estimated return: -2.75%  
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: 4 First credit line: Aug-1984 Debt/Income ratio: 41%
Credit score: 620-639 (Dec-2009) Current / open credit lines: 20 / 19Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:4y 4m
Amount delinquent: $0 Revolving credit balance: $22,227 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 73%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 4    
Screen name: kb10798 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: 20 ( 100% ) 620-639 (Latest)
Principal borrowed: $15,000.00< mo. late: 0 ( 0% )  
660-679 (Mar-2008)
 
Principal balance: $7,847.14 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
a slave to credit cards no more
Purpose of loan:
This loan will be used to? pay-off?outstanding credit card debt to begin a life free of credit cards.

My financial situation:
I am a good candidate for this loan because? my employment is extremely stable and my income is sufficient to ensure repayment.

Monthly net income: $2845

Monthly expenses: $
??Housing: $475
??Insurance: $100
??Car expenses: $290?
??Utilities: $75
??Phone, cable, internet: $150
??Food, entertainment: $400
??Clothing, household expenses $ 200
??Credit cards and other loans: $1600?
??Other expenses:??
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438043
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: 17.20% - 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: Nov-1995 Debt/Income ratio: 7%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 5 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:11y 5m
Amount delinquent: $0 Revolving credit balance: $23,610 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 100%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: tommysf13 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 14 ( 100% ) 680-699 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
640-659 (May-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 14  
Description
A Little Relief
Purpose of loan:
This loan will be used to?
dump the credit card and get a little space between winter bills
My financial situation:
I am a good candidate for this loan because? my first prosper loan was paid off in 14mo. long employment,never late,autopay used?,689 credit karma 12-10-09.

Monthly net income: $ 2600

Monthly expenses: $
??Housing: $ 650
??Insurance: $50
??Car expenses: $ 75
??Utilities: $ 125
??Phone, cable, internet: $50
??Food, entertainment: $200
??Clothing, household expenses $ 75
??Credit cards and other loans: $170
??Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438055
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: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $323.50
 
Auction yield range: 11.20% - 30.24% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.48%  
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: Nov-1984 Debt/Income ratio: 34%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 14 / 14Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 16Length of status:0y 11m
Amount delinquent: $0 Revolving credit balance: $10,441 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 25%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: intelligent-fund6 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
College Help after Health Problem
I am a current college student finishing my remaining year of classes and I am well on my way to graduating. I have recently dug myself in to a situation after having a Brain Aneurysm where I have in reality destroyed my credit. Through my health problems I was forced to put many of my college expenses on credit cards. While recovering I made serious lapses in judgement and was not very prompt about paying my credit card bills. This resulted in my inability to qualify for a student loan to help me finish my final year of school. I have learned from my mistakes however I really need this loan to finish college and dig myself out of the hole I am and begin the process of repairing my credit score.

I am a student in the Honors program and have an excellent GPA. I currently have a part time job which will enable me to make regular payments on this loan. My parents are unable to help me and after the problems I have faced I am really hopeful for the aid of this loan to get me back in to an acceptable credit range.

I am confident that my current part time job will lead to a full time offer once I graduate which will continue to enable me to make regular and prompt payments to this loan.

I really need this help and I thank any and all for taking the time to consider this opportunity.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438061
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.85% Starting borrower rate/APR: 10.85% / 12.97% Starting monthly payment: $114.34
 
Auction yield range: 4.20% - 9.85% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
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: 9 First credit line: Sep-1994 Debt/Income ratio: 4%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 4 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 9Length of status:4y 8m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: deal-network4 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
engagement ring
Purpose of loan:
This loan will be used to? buy an engagement ring for my girlfriend for christmas!

My financial situation:
I am a good candidate for this loan because? I always pay my bills.I think my credit is good and its for a good cause!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438067
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: 27.40% Starting borrower rate/APR: 28.40% / 30.75% Starting monthly payment: $207.90
 
Auction yield range: 11.20% - 27.40% Estimated loss impact: 10.68%  
Lender servicing fee: 1.00% Estimated return: 16.72%  
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: May-2002 Debt/Income ratio: 13%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 7 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:5y 10m
Amount delinquent: $0 Revolving credit balance: $14,740 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 58%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: a-dime-tsunami 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
Fixig my place up
Purpose of loan:

I need this money to fix my house.This is our first house and It's in really bad shape and if only?the contractor will be willing to let me make payments I would not?need to get this loan,but they want to get paid as soon as they finish the work.I have a 1 year old baby girl?that I just can not let live in a place under construction,that's why I can not do it little by little.I need your help please.
My financial situation:
I am a good candidate for this loan because? I been enployed with?the same company for over 5 years.This is a company that is been in business for over 80 years I love my job and they are very happy with me too.?.I'm responsable,reliable,I never made a late payment and I have good credit.I get paid weekly and thru electronic direct deposit.You won't regret lending money to me I assure you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438073
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: 11.20% Starting borrower rate/APR: 12.20% / 14.33% Starting monthly payment: $166.55
 
Auction yield range: 11.20% - 11.20% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.97%  
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-2000 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2009) Current / open credit lines: 6 / 5Employment status:Not employed
Now delinquent: 0 Total credit lines: 16Length of status:0y 8m
Amount delinquent: $0 Revolving credit balance: $1,756Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 19% 
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: thrilling-contract8 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to?
pay off school debt
My financial situation:
I am a good candidate for this loan because? I maintain good credit
Monthly net income: $

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $?0
??Utilities: $ 100
??Phone, cable, internet: $ 0
??Food, entertainment: $ 20
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 200
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438079
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: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
 
Auction yield range: 17.20% - 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-1976 Debt/Income ratio: 7%
Credit score: 700-719 (Nov-2009) Current / open credit lines: 1 / 1Employment status:Retired
Now delinquent: 0 Total credit lines: 2Length of status:7y 7m
Amount delinquent: $0 Revolving credit balance: $0Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: dime-meteor Borrower's state: NewYork Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying of credit card and loans
Purpose of loan:
I'm going to pay off my credit card and my sons student loan.

My financial situation:
I am a good candidate for this loan because? I always pay my bills on time, But I would rather pay them all off, and then just have one payment to worry about. I've also never been late on a payment and make sure I pay more than minimum. I'm also clear on how the credit system works so I'm very careful with that. Thank You for taking your time in reading this.

Monthly net income: $
3,600

Monthly expenses: $
Here are my Monthly Financial Details:
My Income:$ 1,100
Spouse's Income:$ 1,500
Son's Income:$ 1,000
Total monthly family Income $ 3,600

Mortgage/Rent: $ 1,100
Phone: $ 30
Cell Phones: $120
Gas: $ 150
Electricity: $ 50
Food: $ 200
Insurance: $ 330
Cable/Internet: $ 110
Clothing,etc: $ 150
Credit cards and loans:$ 100, 85, 50, 25
-----------------------
Total Monthly Expenses : $ 2,500 (Est.)

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438091
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $237.23
 
Auction yield range: 11.20% - 30.24% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.48%  
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: Oct-1988 Debt/Income ratio: 21%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 49Length of status:3y 0m
Amount delinquent: $0 Revolving credit balance: $36,934 Occupation: Principal
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$75,000-$99,999
Delinquencies in last 7y: 2 Homeownership: No  
Inquiries last 6m: 1    
Screen name: dinero-fort6 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to? Get ahead of credit card bills. even the $5,500 will allow me to decrease my bills enough to catch up and to also pay back this loan.

My financial situation:
I am a good candidate for this loan because? I can pay this back but my credit cards have increased the monthly payments unexpectedly. I am making steady income and hae even been promised an 8% increase for next year.

Monthly net income: $ 4,040

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 0
??Car expenses-Trasportation: $ 110??
??Utilities: $ 118????
??Phone, cable, internet: $ 250?
??Food, entertainment: $ 400
??Clothing, household expenses $ 100?
??Credit cards and other loans: $ 1,249
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438103
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $388.20
 
Auction yield range: 11.20% - 30.24% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.48%  
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: Sep-1993 Debt/Income ratio: 7%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 3Length of status:31y 7m
Amount delinquent: $0 Revolving credit balance: $187 Occupation: Military Officer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 1%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: respectful-community 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
Playroom for my Grandkids
Purpose of loan:
This loan will be used to build a playroom for my grandkids and stock with kid-friendly furniture and toys.??? I am helping out my daughter by watching the kids 3 times a week and they are quickly getting bored with grandma's old-timey furniture.?? I would like to build a nice room where they can have fun for hours and also invite their friends from the neighborhood to spend some time with us.

My financial situation:
I am a good candidate for this loan because I've?had a military career?for 30 plus years and plan to keep working for at least another 6 or 7 years.?? I have very little debt and a good retirement account.?? I would love to see how Prosper works for me and then become a Prosper lender down the road!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438127
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: $5,150.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $204.76
 
Auction yield range: 17.20% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 4 First credit line: Oct-1994 Debt/Income ratio: 18%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 17 / 14Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 47Length of status:1y 11m
Amount delinquent: $0 Revolving credit balance: $3,471 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 37%Stated income:$100,000+
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: blue-power-samurai 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 legal bills
Purpose of loan:
I am a 34 year old financial consultant living in Central Texas. Recently my wife of 8 years filed for divorce. It is a mutual split, very little animosity and we are working towards an out-of-court settlement. I am looking for legal representation and found someone affordable, but I need to come up with a retainer for services and other legal expenses.

My financial situation:
I am steadily employed in an industry largely immune to the recession and have been excelling at my job. I have an undergraduate degree from MIT and an MBA from UT-Austin as proof of earning potential. I have cash flow beyond the bimonthly paychecks which can service the loan as well: I currently own a home so I expect a large tax refund (high 4-figure), plus I expect to receive another annual bonus at work (mid 4-figure).

Monthly net income: $5,644

Monthly expenses: $4,714
??Housing: $1,660
??Insurance: $167
??Car expenses: $512
??Utilities: $300
??Phone, cable, internet: $137
??Food: $800
Entertainment: $178
??Clothing, household expenses $0
??Credit cards and other loans: $578
Student loans: $182
??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436638
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: 17.20% - 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: May-1987 Debt/Income ratio: 5%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:8y 5m
Amount delinquent: $0 Revolving credit balance: $2,522 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 98%Stated income:$50,000-$74,999
Delinquencies in last 7y: 57 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: foxy-commitment 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
Upgrade Kitchen!
Purpose of loan:? This loan will be used to turn my kitchen into a marketable improvement to my home.? Eventually, I will need to upsize and would like to make the kitchen and entertainment area more attractive and livable.?

My financial situation:? I am a good candidate for this loan because since the termination of my engagement I was able to work hard and quickly recover from bankruptcy to restore my credit back to normal.? I have very stable employment and have minimal credit obligations. I am an excellent money manager and a good steward when spending money.? My credit debt to income ratio is only 28%; therefore, I have significant disposable income for personal and business use.

Monthly net income: $ 4,604.17

Monthly expenses: $ 2,193.00
??Housing: $ 585
??Insurance: $ 70
??Car expenses: $ 450
??Utilities: $?283
??Phone, cable, internet: $ 140
??Food, entertainment: $ 200
??Clothing, household expenses $ 125
??Credit cards and other loans: $ 290
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437454
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.85% Starting borrower rate/APR: 10.85% / 12.97% Starting monthly payment: $81.67
 
Auction yield range: 4.20% - 9.85% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
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: 9 First credit line: Nov-1996 Debt/Income ratio: 5%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 8 / 8Employment status:Retired
Now delinquent: 0 Total credit lines: 19Length of status:4y 3m
Amount delinquent: $0 Revolving credit balance: $2,758Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 48% 
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: BOBBUCK Borrower's state: Washington Borrower's group: Me and Others
Credit and homeownership information was obtained 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% ) 740-759 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
740-759 (Jul-2008)
 
Principal balance: $413.09 1+ mo. late: 0 ( 0% )
Total payments billed: 16  
Description
Making necessary repairs to my home
????Purpose of loan: The Sewer line to my home has broken and needs to be replaced. I have had a couple of bids and it is going to cost around?four to five thousand.?The front porch and sidewalks need to be removed to gain access to the line. After repairs are made we will need to put back in a deck to replace the removed areas.

My financial situation:
I am a good candidate for this loan because?I have most of the money already available but need to have full amount before the repairs begin.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437538
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: 18.26% Starting borrower rate/APR: 19.26% / 21.49% Starting monthly payment: $73.58
 
Auction yield range: 17.20% - 18.26% Estimated loss impact: 26.02%  
Lender servicing fee: 1.00% Estimated return: -7.76%  
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-1996 Debt/Income ratio: 22%
Credit score: 620-639 (Dec-2009) Current / open credit lines: 16 / 15Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 38Length of status:5y 3m
Amount delinquent: $2,197 Revolving credit balance: $8,587 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 88%Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: tcvirginia Borrower's state: Colorado Borrower's group: Fix your credit, then get a loan.
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 42 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,500.00< mo. late: 0 ( 0% )  
640-659 (Dec-2007)
580-599 (Nov-2006)
580-599 (Oct-2006)
 
Principal balance: $1,043.08 1+ mo. late: 0 ( 0% )
Total payments billed: 42  
Description
Mortgage Help
I have paid off one loan on prosper in full and am half way down on the second loan, so I am definitely reliable on my payments. I have had a 10% cut to my salary and my commissions in the mutual fund business is obviously dropped due to the market. We have come back and forsee having my commissions higher in the next few months. Meanwhile I am 1 mortgage payment behind and need to catch up, especially during the holiday season.? I do not get any Christmas bonus for work, so I am trying to make it happen on my normal salary. Here are my monthly obligations: Mortgage-$1110 Car-$213 Car Insurance-$112 Gas-$120 Electric-$60 School Loan-$187 Cell Phone-$74 Credit Cards (4)-$300 Cable-$50 Prosper-$88 Misc-$200 Avg. Expenses- $2499 Minimum Income: $4000 Leftover $1501 This is NOT including any commissions, which vary monthly from $400-$3,000. I changed jobs in 2004 and moved to Colorado for a pay raise which has been substantial. I am a hard worker, extremely capable of financially taking care of myself and would like to consolidate so that Christmas doesn't wipe me out. With my monthly payment on this loan being about $90 a month you can see that it will not be an issue to re-pay this loan even if circumstances do change. I am very responsible, pay all my bills on time and put my finances as a number one priority. Thank you for taking the time to bid on my need.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437638
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: 7.60% Starting borrower rate/APR: 8.60% / 8.94% Starting monthly payment: $47.42
 
Auction yield range: 3.20% - 7.60% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 7.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 10 First credit line: Feb-1996 Debt/Income ratio: 9%
Credit score: 800-819 (Dec-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 60Length of status:4y 11m
Amount delinquent: $0 Revolving credit balance: $8,913 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 5%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: the-leverage-genome 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
Renovation of bathroom
Purpose of loan:
This loan will be used to? improve home

My financial situation:
I am a good candidate for this loan because? I have a good job and credit history
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437714
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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $361.89
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 4 First credit line: Jan-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Dec-2009) Current / open credit lines: 15 / 13Employment status:Self-employed
Now delinquent: 0 Total credit lines: 22Length of status:48y 6m
Amount delinquent: $0 Revolving credit balance: $15,661 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 23%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 5    
Screen name: wampum-spy3 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
PAYROLL
Purpose of loan:
This loan will be used to?? MAKING PAYROLL FOR MY MY GROWING OIL AND GAS SERVICE.

My financial situation:
I am a good candidate for this loan because? I HAVE A STRONG CUSTOMER BASE ,GREAT ACCTS RECIEVABLE , JUST TAKES 50 DAYS NET TO GET PAID FOR WORK? .

Monthly net income: $ 15000 TO 40000

Monthly expenses: $
??Housing: $ 1000
??Insurance: $?700
??Car expenses: $ 1200
??Utilities: $ 200
??Phone, cable, internet: $ 190
??Food, entertainment: $ 450
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 750
??Other expenses: $ 1500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437732
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: 17.20% - 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-1997 Debt/Income ratio: 10%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:0y 8m
Amount delinquent: $0 Revolving credit balance: $954 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 87%Stated income:$50,000-$74,999
Delinquencies in last 7y: 40 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: fund-lotus Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying an engagement ring!
Purpose of loan:
This loan will be used to pay off my girlfriend's engagement ring and $900 in credit card debt. A loan from you would help me achieve both of these much more quickly than I had imagined and at a more cost-effective rate for me.

My financial situation:
I am a good candidate for a personal loan because, outside of my small credit card debt, my only other debt are investments in me. I have student loans and a mortgage. Last year, I bought a duplex - I'm living in one and renting the other - to keep my expenses manageable as a single guy buying a house. The extra income from the rental supports my income from my job to allow me to cover all necessary expenses. I have already put a down payment on the engagement ring and am hoping to propose to my girlfriend shortly. However, without your help, paying off the remainder of the ring will be very difficult and time-consuming.

I appreciate your consideration of my request. Should you decide to provide funding, I will pay on time and give you a nice return on your investment.

Happy Holidays!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437738
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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $185.82
 
Auction yield range: 4.20% - 19.00% Estimated loss impact: 2.18%  
Lender servicing fee: 1.00% Estimated return: 16.82%  
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: 9 First credit line: Feb-2003 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Dec-2009) Current / open credit lines: 10 / 9Employment status:Self-employed
Now delinquent: 0 Total credit lines: 14Length of status:1y 11m
Amount delinquent: $0 Revolving credit balance: $1,023 Occupation: Homemaker
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 3%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: river3 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
Going back to school.
Purpose of loan:
This loan will be used to go back to school, so I could finish my business degree.
My financial situation:
I am a good candidate for this loan because, I'm an honest, hard working women. Determined and Responsible to pay this loan back as you can tell by my FICO score.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437740
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $678.54
 
Auction yield range: 17.20% - 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: Oct-1991 Debt/Income ratio: 13%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 8 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:4y 3m
Amount delinquent: $0 Revolving credit balance: $4,188 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Homeownership: No  
Inquiries last 6m: 1    
Screen name: GoGriz28 Borrower's state: Montana Borrower's group: N/A
Credit and homeownership information was obtained 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
College Costs for My 2 Kids
Purpose of loan:
This loan will be used to help spread out the cost of my son and daughters tuition, books, room & board, etc for the rest of this year. College is not cheap these days!

My financial situation:
I am a good candidate for this loan because I have the ability to service the debt through stable income as well (in case of emergency) 401k and other various stock holdings that?I can tap into. I?am?also an active lender on Prosper. I am a firm believer in this way of lending and coming over to the?borrower side I am hoping to find lenders that are understanding and looking for an excellent return.?In addition to having a stable income I am also well prepared in the case of any unforseen layoffs. I am a licensed flight instructor and Realtor, both fields would allow for a quick transition and ability to produce income. Also, my 2 kids have part time jobs while in school and will be participating in the repayment of the debt.

The reason I am looking for a loan is to finance school related costs for my children.

Note: The 2 late pays that show are from over 5 years ago prior to paying off our mortgage. Other than that I have no late pays in the last 5 years. The credit card balance that shows up right now was money?paid last month?towards tuition that had to be paid in order for them to remain in their dorms.??It will be paid off when the loan is funded bringing that debt back down to zero.

Monthly net income: $ 4500.00

Monthly expenses: $?1980.00
??Housing: $ 0 (Home is?100% paid off..?We do not have any home equity loans)
??Insurance: $?200.00
??Car expenses: $?200.00 for fuel (all vehicles are paid for)
??Utilities: $ 400.00
??Phone, cable, internet: $ 180.00
??Food, entertainment: $?600.00
??Clothing, household expenses $?400.00
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437744
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: 21.00% Starting borrower rate/APR: 22.00% / 24.26% Starting monthly payment: $133.67
 
Auction yield range: 17.20% - 21.00% Estimated loss impact: 19.19%  
Lender servicing fee: 1.00% Estimated return: 1.81%  
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: 5 First credit line: Dec-1998 Debt/Income ratio: 32%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 11 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:4y 6m
Amount delinquent: $0 Revolving credit balance: $9,000 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 78%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: DcAnsley 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
Need a truck for work and back
Purpose of loan:
This loan will be used to? buying a truck basically for work and back.

My financial situation:
I am a good candidate for this loan because?Never been late on any major bills. Plan on paying at least half of the loan off at income tax time. ?

Monthly net income: $ 3300

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 100
??Car expenses: $ 325
??Utilities: $?85
??Phone, cable, internet: $ paid for by others
??Food, entertainment: $ 200
??Clothing, household expenses $ 120
??Credit cards and other loans: $ 150
??Other expenses: $ misc. 120
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437768
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: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $84.90
 
Auction yield range: 11.20% - 29.00% Estimated loss impact: 10.73%  
Lender servicing fee: 1.00% Estimated return: 18.27%  
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-1994 Debt/Income ratio: 36%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 19 / 14Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 39Length of status:7y 2m
Amount delinquent: $440 Revolving credit balance: $61,051 Occupation: Psychologist
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 91%Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: worldly-affluence2 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
furnance
Purpose of loan:
This loan will be used?to udate our heating system in our house. We currently have a very old furnance and would like to purchase something more efficent for the winter months.?

My financial situation:
I am a good candidate for this loan because I have been employed for 7 years in a stable job and company. I make all my bills and finanical commitments.?

Monthly net income: $ 2600

Monthly expenses: $
??Housing: $ 882
??Insurance: $ 122
??Car expenses: $?100
??Utilities: $ 110
??Phone, cable, internet: $ 64
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437786
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: 17.20% - 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-1998 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2009) Current / open credit lines: 7 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:4y 2m
Amount delinquent: $0 Revolving credit balance: $5,588 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 105%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: listing-doctor1 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
inventory for the holiday season
Purpose of loan:
This loan will be used to? inventory for the holiday season

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

Monthly net income: $ 2800

Monthly expenses: $?
??Housing: $ 500
??Insurance: $ 40
??Car expenses: $ 150
??Utilities: $ 130
??Phone, cable, internet: $ 75
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 150
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437798
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: 21.00% Starting borrower rate/APR: 22.00% / 24.26% Starting monthly payment: $190.95
 
Auction yield range: 17.20% - 21.00% Estimated loss impact: 26.19%  
Lender servicing fee: 1.00% Estimated return: -5.19%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 2 First credit line: Feb-1992 Debt/Income ratio: 10%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 3 Total credit lines: 26Length of status:20y 5m
Amount delinquent: $1,431 Revolving credit balance: $698 Occupation: Tradesman - Carpent...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 46%Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: john0 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 100% ) 720-739 (Latest)
Principal borrowed: $2,700.00< mo. late: 0 ( 0% )  
720-739 (Aug-2008)
 
Principal balance: $1,682.11 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Only 1 car with 3 kids..help!
Purpose of loan:
This loan will be used to go from a one vehicle family to a two vehicle family.

My financial situation:
I am a good candidate for this loan because I have worked for the same company for the past 20 years. I am currently making almost 50k per year.? I will be able to repay this loan on time and allow my family to have a reliable car that is safe!? The car we have now has 130K miles on it..it is only worth 3k and it will cost us 1k to repair!!? The reason it shows a delinquency is because we got involved in a debt management program and have a monthly payment that we make for all other debts.? The credit report shows them as not being paid, but they are being paid through the program.? Please help us to get a preowned car!!!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437810
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: 17.20% Starting borrower rate/APR: 18.20% / 20.41% Starting monthly payment: $906.32
 
Auction yield range: 17.20% - 17.20% Estimated loss impact: 18.95%  
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: Jan-1988 Debt/Income ratio: 75%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 13 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:19y 3m
Amount delinquent: $0 Revolving credit balance: $70,955 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 73%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: steady-dollar1 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?
Pay off credit cards
My financial situation:
I am a good candidate for this loan because?
I pay my bills on time
Monthly net income: $
2450.00
Monthly expenses: $
??Housing: $ 995.00
??Insurance: $?550 a year
??Car expenses: $ 350.00 a month
??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 437822
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: 20.08% Starting borrower rate/APR: 21.08% / 24.89% Starting monthly payment: $37.72
 
Auction yield range: 8.20% - 20.08% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.11%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 10 First credit line: Dec-1998 Debt/Income ratio: 16%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:4y 4m
Amount delinquent: $0 Revolving credit balance: $2,354 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 40%Stated income:$50,000-$74,999
Delinquencies in last 7y: 8 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: powerful-worth8 Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
December
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 437834
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: 21.50% Starting borrower rate/APR: 22.50% / 24.77% Starting monthly payment: $76.90
 
Auction yield range: 17.20% - 21.50% Estimated loss impact: 26.22%  
Lender servicing fee: 1.00% Estimated return: -4.72%  
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: 3 First credit line: Sep-1998 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: 29Length of status:8y 5m
Amount delinquent: $5,217 Revolving credit balance: $490 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Homeownership: No  
Inquiries last 6m: 0    
Screen name: a-special-value 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
Need Equipment to Meet Demand!
Purpose of loan:
This loan will be used to? purchase equipment for local cashflow advertising business. Business has been setup, marketing presence is well under way, locations are being confirmed, sales agents are calling out to get their commission, we just need to meet demand of activity and keep up to create awareness and increase incoming sales.

My financial situation:
I am a good candidate for this loan because? I have been setting up and handling marketing and advertising for small businesses for 8 years and have now ventured into my own local B2B venture. I am a go getter, results oriented, organized, and experienced entrepreneur. I have depleted my savings staying home with my child for the first 2 years of their life having no regrets, but am now ready to enter back into the business world and create and grow a solid business with a well-run system in place. Unexpected life-changing events in my early adulthood are still reflected on my credit report causing the HR, but I assure you I learned from my experience 6 years ago and am a different person than what my score reflects. I am checking error on current status and reporting it to credit bureaus.

Estimated Monthly Net Income: $ 5,000.00+
Estimated Monthly Expenses: under $500.00

So far I've been able to do everything to get this business set up, launched, and marketed on $200 and within 3 weeks. There are no building expenses, phone, electricity, car, etc. It is built on time and effort. I plan to invest in more advertising equipment needed to make this business work. The more equipment we have placed throughout the city, the more opportunities we have to make more money. I have a team of advertising sales reps making calls to local businesses daily and I am personally meeting with potential clients and confirming locations every day.

The key is to capitalize on the momentum being built and that is where I need your help to provide that jump start. Thanks in advance!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437840
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: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
 
Auction yield range: 17.20% - 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-1995 Debt/Income ratio: Not calculated
Credit score: 720-739 (Dec-2009) Current / open credit lines: 2 / 1Employment status:Not employed
Now delinquent: 0 Total credit lines: 9Length of status:0y 2m
Amount delinquent: $0 Revolving credit balance: $0Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 5    
Screen name: new-bonus-voyage 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
moderinize kitchen andmain bathroom
Purpose of loan:
This loan will be used to update the kitchen with modern cabinets and appliances.? In addition, the main bathroom will be re-tiled and painted with a new shower/tub setup.? In essence, everything except for the floors (very light traffic) will be replaced/upgraded in the two aforementioned rooms of my 3 bedroom, 1.5 bathroom home.
I am looking to downsize as I live alone and there is a lot of "filled space" (house is completely furnished) that requires very little cleaning but brings back a lot of memories.
My financial situation:
I am a good candidate for this loan because of my very good (solid) credit score (2 of the 3 CRB scores> 700) and net equity in primary residence of at least $185,000USD.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437852
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: 17.20% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 5 First credit line: Nov-1989 Debt/Income ratio: 84%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 12 / 12Employment status:Retired
Now delinquent: 0 Total credit lines: 27Length of status:1y 2m
Amount delinquent: $0 Revolving credit balance: $22,439Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 93% 
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: vigilance-mammal7 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
Paying off my credit cards
Purpose of loan:
This loan will be used to? pay off some credit card debt

My financial situation:
I am a good candidate for this loan because? honest & pay on time

Monthly net income: $ 817.00

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $
??Credit cards and other loans: $ 200.00
??Other expenses: $ 75.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437862
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: 29.14% Starting borrower rate/APR: 30.14% / 32.79% Starting monthly payment: $63.79
 
Auction yield range: 11.20% - 29.14% Estimated loss impact: 10.73%  
Lender servicing fee: 1.00% Estimated return: 18.41%  
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: 8 First credit line: Jul-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Nov-2009) Current / open credit lines: 15 / 11Employment status:Self-employed
Now delinquent: 0 Total credit lines: 27Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $53,634 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 58%Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Homeownership: No  
Inquiries last 6m: 1    
Screen name: Cloudx9 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 a used car for work
Purpose of loan:
This loan will be used to? Buy a used car for work, the current car I drive is breaking down and I don't know how much longer it will last. I'm looking to buy a reliable used car for around $4000 but I'm $1500 short. This is very important for me since I drive alot for work. I travel to people's homes around the city for work.

My financial situation:
I am a good candidate for this loan because? I can Pay the monthly payments with no problems.

Monthly net income: $ 3600

Monthly expenses: $
??Housing: $ 600
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 600
??Clothing, household expenses $ 100
??Credit cards and other loans: $?800
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437868
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: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
 
Auction yield range: 17.20% - 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: Nov-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Dec-2009) Current / open credit lines: 3 / 3Employment status:Self-employed
Now delinquent: 1 Total credit lines: 9Length of status:6y 7m
Amount delinquent: $96 Revolving credit balance: $429 Occupation: Other
Public records last 12m / 10y: 1/ 2 Bankcard utilization: 33%Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Homeownership: No  
Inquiries last 6m: 3    
Screen name: jkrebuild 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 debt & improving credit
Purpose of loan:

I am creating this loan for a number of reasons. I want to concatenate the little bit of debt that I have on my credit cards to one monthly payment, which would just simplify the matter. Secondly, I want to diversity my accounts on my credit report so I can continue to strengthen my credit score. I understand the importance of a good credit score, and want to continue to increase my credit status to decrease my risk to prospective lenders. I also want to prove my worth to the Prosper community by consistently making payments on this loan, in the hopes to even move to lender status down the road.?I figure the easiest way to cover all of these bases is with a loan from Prosper.

My financial situation:

Even though this loan isn't a large sum of money, in my opinion, it's still an important aspect in my goal of making my credit status as strong as it can be. I currently work as a freelance writer for many web sites, and net a conservative estimate of $2200 a month. I have been self-employed since 2003, building my client base to where it's strong and sustainable over time. My income is more than enough to cover the monthly payment of this loan, as shown by the breakdown below.

As for my credit report, it does contain some blemishes that makes it less than perfect currently. I have a few chargeoffs from 2003 from credit card companies. I have paid them through various avenues, such as collection agencies, and the chargeoffs are due to drop off by mid-2010. I also have a paid judgment on my account that will come off soon thereafter. None of these will hinder my ability to pay this loan, or any of my credit cards. I have 4 credit cards that I have been making on time payments on, and my record over the years has been consistent and spotless.

Monthly net income: $?2200

Monthly expenses: $ 1073
??Housing: $ 533
??Insurance: $ 0
??Car expenses: $ 0 (no car; I live in New York City)
??Utilities: $ 45
??Phone, cable, internet: $ 65
??Food, entertainment: $?140
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 40
??Other expenses: $ 200 (liberal estimate, just in case other expenses come up during the month.

Net income after expenses: $1127

I am open to any and every question you may have in order to get this loan funded. I would love to get the extra help to continue on the path to be considered a strong candidate for credit. The importance of good credit is important in almost every aspect in life, and I'm not going to sacrifice it for anything. Thank you!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437870
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: 18.59% Starting borrower rate/APR: 19.59% / 21.82% Starting monthly payment: $110.87
 
Auction yield range: 17.20% - 18.59% Estimated loss impact: 19.04%  
Lender servicing fee: 1.00% Estimated return: -0.45%  
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: 4 First credit line: Jan-2001 Debt/Income ratio: 18%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 13Length of status:4y 2m
Amount delinquent: $1,247 Revolving credit balance: $5,818 Occupation: Other
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 91%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: luminous-interest2 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
pay of some bills
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 437874
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 4 First credit line: Nov-2003 Debt/Income ratio: 36%
Credit score: 600-619 (Dec-2009) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:6y 4m
Amount delinquent: $0 Revolving credit balance: $16,551 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: Zyff 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: 16 ( 89% ) 600-619 (Latest)
Principal borrowed: $7,500.00< mo. late: 2 ( 11% )  
600-619 (May-2008)
600-619 (Mar-2008)
 
Principal balance: $4,143.05 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
Life plus Consolidation
Purpose of loan:
This loan will be used to pay off my current Prosper loan and last high interest credit card, as well as help my wife, kids and I with our PCS move from California to Maryland.? It will be used to help get us all into a nice house once we get there and to help get us settled.? Part of it (about $1000) will also be used to help pay for off my wife's last Credit card as well.

My financial situation:
Is stable.? My credit score isn't perfect, but it has been climbing as I have been paying off my debts and helping my wife do the same.? It is slow progress but it is progress.? We are able to cover our bills and are not behind on any of them, but, like most people, we would like to have less total payments and to have a little more money in our bank account at the end of the month.

Monthly net income: $ 3750.00

Monthly expenses:
??Housing: $ 750.00
??Insurance: $ 300.00
??Car expenses: $515 .00? (Monthly loan payment for both cars)
??Utilities: $ 0.00? (Included in rent)
??Phone, cable, internet: $ 250.00 (Includes Cell phone bill too)
??Food, entertainment: $ 350.00 (All food on this one.? :)? Two kids are expensive to feed.)
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 650.00
??Other expenses: $ 150.00

If there is anything else, anything at all, that you you would like to know about, please feel free to ask.? We have nothing to hide, and are just looking to make life a little better and easier.

Thank you all for your time in at least looking at our application.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437880
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: 31.67% Starting borrower rate/APR: 32.67% / 35.09% Starting monthly payment: $329.45
 
Auction yield range: 14.20% - 31.67% Estimated loss impact: 15.46%  
Lender servicing fee: 1.00% Estimated return: 16.21%  
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-1995 Debt/Income ratio: 23%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 14 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:22y 3m
Amount delinquent: $0 Revolving credit balance: $9,684 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 72%Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 3    
Screen name: inneedofloan 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 / 2 On-time: 26 ( 100% ) 640-659 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
600-619 (Oct-2007)
580-599 (Aug-2007)
600-619 (Feb-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 26  
Description
pay off high interest loans
greetings i am a hard working factory worker with no charge offs. Looking to pay off 2 credit cards,one with a?27 percent interest loan.I do not know why my fico score came in so low.This is my?third loan though prosper.First two loans?were paid off with no lates or missed payments.I make good money just?I carry large balances on my credit cards.thanks for looking.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437886
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: 24.56% Starting borrower rate/APR: 25.56% / 27.87% Starting monthly payment: $300.42
 
Auction yield range: 11.20% - 24.56% Estimated loss impact: 10.61%  
Lender servicing fee: 1.00% Estimated return: 13.95%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 7 First credit line: Sep-1996 Debt/Income ratio: 21%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:3y 9m
Amount delinquent: $0 Revolving credit balance: $19,943 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 88%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: at_home_in_sf 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
Credit cards-BAD - out of debt-GOOD
Purpose of loan:
This loan will be used to pay off my credit cards. I have 2 cards with a consolidated balance of $7500. Each of them are at 25% interest. I got a letter in the mail stating that one of them is going up to 28%. I would like to avoid any interest increases by paying it off before this happens.
My financial situation:
I am a good candidate for this loan because I have had a steady job/income since I was 19. I love my current job. I run 4 busy yoga studios in San Francisco. I also earn money as a massage therapist/yoga teacher. I have been the Operations Manager for the last 3 years, and continue to advance in my position. I am up for another raise at the beginning of 2010. I love that my work is helping people to find inner peace.I am so sick of throwing my money away to credit cards companies. I pay over $500/mo and it all goes towards interest. It?s so frustrating. Thanks for your consideration. Any help is appreciated. I am really honest and WILL pay back this loan.

Monthly net income: $ 2300

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 30
??Car expenses: $ 30
??Utilities: $ 50
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 40
??Credit cards and other loans: $ 550
??Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437910
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: 7.0%  
   
 
Starting lender yield: 9.99% Starting borrower rate/APR: 10.99% / 13.11% Starting monthly payment: $818.35
 
Auction yield range: 8.20% - 9.99% Estimated loss impact: 7.21%  
Lender servicing fee: 1.00% Estimated return: 2.78%  
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: 7 First credit line: Jun-2000 Debt/Income ratio: 37%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 9 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:5y 2m
Amount delinquent: $0 Revolving credit balance: $61,643 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 65%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: guitarjrb 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
Pay YOU not the credit card company
Purpose of loan:
As with most Americans, my credit cards have raised my interest rates even though I have a 740 credit score. I am seeking funding to pay down my credit card debt and would feel much better paying my interest to someone other than the credit card company's that choose to operate in an un-ethical manner.?

My financial situation:
I currently maintain an excellent credit score and have never missed or been late on a payment in my life. I am an IT professional with a base income of $80,000 per year, and often exceed this amount due to overtime. I own a house and have two vehicles that are paid in full. After buying my house, I made the mistake of using credit cards too much. I am able to make my current payments quite easily, but would like to reduce the interest while giving my money to hardworking individuals rather than credit card company's. I personally would sell my house to pay off my credit card debt, but with the market eating away at any possible equity, I don't have this option.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437916
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: $4,200.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $172.37
 
Auction yield range: 11.20% - 26.40% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.74%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 6 First credit line: Jan-1983 Debt/Income ratio: 6%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 10Length of status:2y 8m
Amount delinquent: $0 Revolving credit balance: $243 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 48%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: funds-cleansing 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 property taxes
Purpose of loan:
This loan will be used to?Pay property taxes due January 31st, 2010.

My financial situation:
I am a good candidate for this loan because?I have more than adequate income to pay bills etc. for the short term. However, I don't have the resources to make my property tax payment due to unexpected expenses assisting children this year. My husband and I have been married for 40 years and his and my income provide for us for bills and some unexpected expenses.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437928
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: 21.00% Starting borrower rate/APR: 22.00% / 24.26% Starting monthly payment: $190.95
 
Auction yield range: 17.20% - 21.00% Estimated loss impact: 26.19%  
Lender servicing fee: 1.00% Estimated return: -5.19%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 3 First credit line: Feb-1995 Debt/Income ratio: 18%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 1 / 1Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 6Length of status:6y 7m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Sales - Retail
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: Golfer65 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: 32 ( 94% ) 680-699 (Latest)
Principal borrowed: $10,000.00< mo. late: 2 ( 6% )  
680-699 (Sep-2009)
640-659 (Nov-2007)
700-719 (Jan-2007)
700-719 (Oct-2006)
 
Principal balance: $647.48 1+ mo. late: 0 ( 0% )
Total payments billed: 34  
Description
Kings Hwy Bar & Grill
The purpose of this loan is to open a family owned & operated Bar & Grill in Myrtle Beach, SC. Loan will be used to do some simple renovations to current bar & restaurant, and purchase needed supplies & inventory. Also I currently hold a SC off premise beer/wine license for our mini mart, (financed through Prosper) and will need to obtain an on premise liquor license.

Currently I am the owner of Beachside Grocery (formally Whispering Surf Mini-Mart), and hold the position of General Manager of our family owned and operated Holiday South Motel, also in Myrtle Beach.

I am a good candidate for this loan because I am in good standing with my first Prosper loan of $10,000 (current balance of $960) which is scheduled to be fulfilled in January 2010. My credit score is around 700, I?m told my credit is weak due to not carrying enough credit. I am confident in the success of this venture. The Bar & Grill is in a great location off of one of Myrtle Beach?s busiest highways, with a population of approximately 15,000 within a 5 mile radius. The restaurant will do a good breakfast & lunch business catering to the many local businesses in the area. We will also carry an extensive dinner menu available to the bar in the evenings..
Thank you for taking the time to review my listing. And I thank you in advance for having the confidence in me to bid on my listing.

Monthly net income $3200
Monthly expenses:
Housing $800
Insurance $75
Car Expenses $160 fuel & maintenance
Utilities $175.00
Cable ,Phone ,internet $200
Food & entertainment $300
Clothing , household expenses $75
Credit Cards & loans -Prosper $327 (last payment due January 2010)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437934
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: 26.40% Starting borrower rate/APR: 27.40% / 31.36% Starting monthly payment: $41.04
 
Auction yield range: 11.20% - 26.40% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.74%  
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: Sep-1987 Debt/Income ratio: 16%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 2 / 2Employment status:Part-time employee
Now delinquent: 1 Total credit lines: 16Length of status:3y 5m
Amount delinquent: $2,159 Revolving credit balance: $0 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: epic-bonus 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
New Windows for my home
Purpose of loan:
This loan will be used to?

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

Monthly net income: $ 2250.00

Monthly expenses: $
??Housing: $ 1200.00 I pay 600.00 spouse 600.00
??Insurance: $ 112.00
??Car expenses: $?0
??Utilities: $ 200.00
??Phone, cable, internet: $?150.00
??Food, entertainment: $ 150.00
??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 437940
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: 17.20% Starting borrower rate/APR: 18.20% / 20.41% Starting monthly payment: $543.79
 
Auction yield range: 17.20% - 17.20% Estimated loss impact: 18.95%  
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: Apr-1994 Debt/Income ratio: 31%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:1y 10m
Amount delinquent: $0 Revolving credit balance: $46,993 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 84%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: loot-appraiser8 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 a couple of credit card debts where the credit card company is either ruining my credit score or jacking my interest rate even though I have a perfect payment record.

My financial situation:
I am a good candidate for this loan because? I always make my payments on time and have made a personal vow to never default on a loan.

Monthly net income: $ 6500

Monthly expenses: $ 4523
??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 437946
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: 17.20% - 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-1993 Debt/Income ratio: 104%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 14 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:20y 4m
Amount delinquent: $0 Revolving credit balance: $24,605 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 73%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 6    
Screen name: affluence-atlantis 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 debt"
Purpose of loan:
This loan will be used to?
Start the beginning of paying off high interest loans that were obtained when our youngest son was hospitalized for several months.? Just wanting to get ahead.
My financial situation:
I am a good candidate for this loan because?
We are hard working, and have never missed nor been late with any payments.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437962
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: 9.85% Starting borrower rate/APR: 11.85% / 13.98% Starting monthly payment: $99.43
 
Auction yield range: 4.20% - 9.85% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
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: 9 First credit line: Jan-1999 Debt/Income ratio: 27%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:9y 10m
Amount delinquent: $0 Revolving credit balance: $342 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 6%Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 1    
Screen name: credit-sumac Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained 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
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 437964
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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 15.00% Starting borrower rate/APR: 16.00% / 18.18% Starting monthly payment: $175.79
 
Auction yield range: 6.20% - 15.00% Estimated loss impact: 5.26%  
Lender servicing fee: 1.00% Estimated return: 9.74%  
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: 8 First credit line: May-1998 Debt/Income ratio: 15%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 11Length of status:2y 5m
Amount delinquent: $0 Revolving credit balance: $4,650 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 13%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: HelpingYourROI 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 100% ) 760-779 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
760-779 (Sep-2008)
520-539 (Jun-2007)
 
Principal balance: $1,222.74 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Making the new House HOME!
Purpose of loan:
We will be combining some expenses we incurred after buying our new home (furniture, small improvements, etc.) as well as the remaining balance of our existing Prosper loan with this loan.? This will include 2 credit cards, one furniture store account, and our existing Prosper loan.

We are beginning construction in our downstairs area to build a wall, upgrade the electrical, and flooring, which is where most of our extra income is going right now.

My financial situation:

We lived below our means to eliminate a large portion of our debt before we bought our home, and while we have strived to continue that, we have used some credit to make our house home.? With the construction beginning and the desire to continue to live below our means, we want to consolidate everything left into one low payment on a Prosper loan.? Once construction is complete and that expense no longer there, we will accelerate Prosper loan payments as we did on the previous loan.

Income:? $5000 (net)

Mortgage:? $1400
Auto:? $370
Insurance $180
Credit $500 (well above minimums)
Utilities $450
529's $400
Entertainment $400
Savings $500

Almost all the rest has been going into the renovations.

Thank you for your confidence, I assure you as in my previous loan, this loan will be auto-drafted and never a question of missed payments.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437980
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: 25.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $929.09
 
Auction yield range: 17.20% - 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-2007 Debt/Income ratio: 190%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 5Length of status:0y 6m
Amount delinquent: $0 Revolving credit balance: $518 Occupation: Other
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: 0    
Screen name: active-economy 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 for college
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: $ 480
??Insurance: $ 60
??Car expenses: $ 40
??Utilities: $?120
??Phone, cable, internet: $ 20
??Food, entertainment: $ 70
??Clothing, household expenses $ 40
??Credit cards and other loans: $
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437986
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: $3,300.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.95% Starting borrower rate/APR: 9.95% / 10.29% Starting monthly payment: $106.40
 
Auction yield range: 3.20% - 8.95% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.44%  
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-1996 Debt/Income ratio: Not calculated
Credit score: 800-819 (Dec-2009) Current / open credit lines: 21 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 55Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $7,074 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 3%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: exchange-seahorse2 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
used car puchase
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 437998
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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 12.35% Starting monthly payment: $116.25
 
Auction yield range: 3.20% - 11.00% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 9.49%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 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: Professional
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
Equipment for New Business
Purpose of loan:

The purpose of the loan is to acquire a computer that is able to handle the high-end software that my new company relies upon.? We are a graphic and digital arts company and run Adobe CS4.? However, my current computer is not quite up to the task.? The new computer has been selected and configured specifically to handle intense graphic processing.

My financial situation:

My undergraduate degree is from Johns Hopkins, and my graduate degree is in Finance from the University of Durham in Great Britain (top-3 Finance departments in the country).? I have started my own business in digital and graphic arts company.? It is affiliated with a traditional printing company with an established sales team.? My company adds to their portfolio of capabilities.? As I am working to build the business, I live with an uncle rent free.? 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 438004
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: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $797.32
 
Auction yield range: 8.20% - 8.20% Estimated loss impact: 6.36%  
Lender servicing fee: 1.00% Estimated return: 1.84%  
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: Apr-2000 Debt/Income ratio: 25%
Credit score: 800-819 (Dec-2009) Current / open credit lines: 12 / 10Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 17Length of status:4y 10m
Amount delinquent: $1,300 Revolving credit balance: $27,077 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 38%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: peace-transformer 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
Consolidate Credit Cards
Purpose of loan:
This loan will be used to consolidate all of my high interest credit card bills into one easy payment. Also, to take advantage of someone willing to help my family and I to save money on the interest that continue to increase with the big credit companies. It is troublesome to manage so many different bills every month and it's time to consolidate. Currently, I am paying $800-$900 monthly and it would be nice to save a couple hundred a month for emergencies or buy nice things for the kids.

My financial situation:
I am a good candidate for this loan because my credit card payments are always made on time every month ever since my first credit card. My job is stable at a growing company with unlimited potential for growth and I have been employed here 5 years. My salary is consistent and we are paid for On-Call hours and bonuses. My wife is a stay-at-home mom by choice and once our youngest boys (4years old) start school full time she will look for part-time work.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438010
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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $743.27
 
Auction yield range: 17.20% - 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: Sep-1993 Debt/Income ratio: 21%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 12 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:21y 4m
Amount delinquent: $0 Revolving credit balance: $3,404 Occupation: Military Officer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 12%Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Homeownership: Yes  
Inquiries last 6m: 9    
Screen name: dollar-rider1 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
Personal and Medical Bills
Purpose of loan:
This loan will be used to assist with some personal and medical bills as we now have a new addition to our family.
My financial situation:
I am a good candidate for this loan because of my money management skill.? I have good credit, my debts are manageable and my current income allows me to handle a monthly obligation for this debt.? Yur assistance would be deeply appreciated.

Thank You!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438022
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: 33.50% Starting borrower rate/APR: 34.50% / 38.64% Starting monthly payment: $44.95
 
Auction yield range: 11.20% - 33.50% Estimated loss impact: 10.85%  
Lender servicing fee: 1.00% Estimated return: 22.65%  
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-1996 Debt/Income ratio: 4%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 28Length of status:2y 10m
Amount delinquent: $60,616 Revolving credit balance: $1,507 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 20%Stated income:$25,000-$49,999
Delinquencies in last 7y: 22 Homeownership: No  
Inquiries last 6m: 0    
Screen name: calm-peace5 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
Taking night classes
Purpose of loan:
This loan will be used to take night courses at local college.

My financial situation:
I am a good candidate for this loan because?I am a hard worker and have a great and stable job.?I am looking forward to going back to school to further my education.

Monthly Income: $2720

Monthly expenses: $
??Housing: $ 400
??Insurance: $ 49
??Car expenses: $?50
??Utilities: $ 120
??Phone, cable, internet: $ 90
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 89
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438028
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: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $82.08
 
Auction yield range: 11.20% - 26.40% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.74%  
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: 8 First credit line: Dec-1998 Debt/Income ratio: 19%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 8 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:1y 3m
Amount delinquent: $0 Revolving credit balance: $38,655 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: terrific-openness 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
Finally Getting It Right
Purpose of loan:
This loan will be used to pay off high interest credit cards (27%). Plain and simple. I graduated with my Master?s degree just over a year ago and started a wonderful job with a local government agency. I?m getting married in July this year, and I am finally taking some proactive steps to get out of credit card debt. I took some bad advice on school loans which has led me to the place I am today. At the time, I had a credit card with a high limit and a rate lower than I could have received with a student loan. So instead of taking out a student loan, I just used the credit card to pay for school expenses on the advice of someone I though was smart enough to give that advice. Well, that really good rate has since disappeared and, what seemed like good advice at the time looks more and more like a lemon every day. So, this Prosper loan (my first of several, I hope) is going to be used to finally start paying down on my credit cards.
(The picture is one of our only "child")My financial situation:
As I said, my fianc? and I are getting married in July have a joint account. Though this listing only lists my income at the top, we have joint incomes and expenses. Between the two of us, we make double what I have listed above. Below is the list of our actual monthly income and expenses. As you can see, we make more than enough money to cover our bills. What we do have to spare is currently going towards the wedding.Monthly net income: $ 5000

Monthly expenses: $ 4230
??Housing: $ 1400
??Insurance: $ 200
??Car expenses: $ 350
??Utilities: $ 150
??Phone, cable, internet: $ 130
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1100
??Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438034
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: 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: $158.33
 
Auction yield range: 14.20% - 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: Jun-1991 Debt/Income ratio: 20%
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 438046
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 16.00% Starting borrower rate/APR: 17.00% / 19.20% Starting monthly payment: $891.32
 
Auction yield range: 11.20% - 16.00% Estimated loss impact: 10.37%  
Lender servicing fee: 1.00% Estimated return: 5.63%  
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-1993 Debt/Income ratio: 21%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 34Length of status:6y 9m
Amount delinquent: $0 Revolving credit balance: $113,879 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 87%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: elevated-value1 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off all family credit card balances.? Only one credit card will be retained after they are paid in full.? Overall family income annually is 200K with spouse income.?

My financial situation:
I am a good candidate for this loan because I have a steady job history, high household income, and good credit rating.? I would like to pay off high interest debt with a loan as opposed to withdrawing from retirement.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438064
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.85% Starting borrower rate/APR: 10.85% / 12.97% Starting monthly payment: $114.34
 
Auction yield range: 4.20% - 9.85% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
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: 9 First credit line: Nov-1987 Debt/Income ratio: Not calculated
Credit score: 720-739 (Dec-2009) Current / open credit lines: 14 / 7Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 35Length of status:0y 1m
Amount delinquent: $0 Revolving credit balance: $36,578 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 45%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: brightest-investment-recruiter 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
Personal use
Purpose of loan: To pay off bills during the short term (4 months)

My financial situation:
I am a good candidate for this loan because I currently have more than 1 job.? In addition to my listed gross annual income of $24,000 from my 1st job, My second job yields $16,000 gross and my third job yields $3000 gross.? My total current gross income is$43,000 (this was not able to be listed on the form).?

However, I anticipate an increase in income for my 1st job to $72,000 by April, bringing my total gross income to $91,000.? I have a retirement account with over $60,000 with TIAA-CREF.? I have life insurance for $500,000.? My debts total about $59,000.? My rent is $575.? Thus, my debt to income ratio is good, and my credit rating to date should be over 700.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438070
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: 27.59% Starting borrower rate/APR: 28.59% / 30.95% Starting monthly payment: $83.37
 
Auction yield range: 11.20% - 27.59% Estimated loss impact: 10.69%  
Lender servicing fee: 1.00% Estimated return: 16.90%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 7 First credit line: Dec-1978 Debt/Income ratio: 4%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 2 / 1Employment status:Retired
Now delinquent: 0 Total credit lines: 29Length of status:16y 0m
Amount delinquent: $0 Revolving credit balance: $0Stated income:$25,000-$49,999
Public records last 12m / 10y: 1/ 1 Bankcard utilization: 0% 
Delinquencies in last 7y: 12 Homeownership: No  
Inquiries last 6m: 3    
Screen name: benevolent-transaction5 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
helping bex
Purpose of loan:
This loan will be used to? consolidate short term loans from helping my sister while ill and her death.
The high interest rates keep my from getting them paid in full.? I have dental work and my
some medical procedures that need to be done. If I could consolidate the loans
with a lower interest rate i could also afford to pay to get my medical work performed.


When my sister mate? had first asked me to hlep them, he knew I could not afford at the
to pay to stay away from home especially for over a month. He was dying from colon
cancer and was to weak to help much. My sister became ill and was in intensive care
for almost 2 full months. They lived in a different city than I do, and My sister was sent
to a hospital out of state.
my sister and her mate had promised to pay me any funds I had to spend on their behalf.
Albert died july 15 2009?? and my sister Aug 3 2009. At that time they had not paid me.
they had been waiting on benefits and or funds from a trust.?

.My financial situation:
I am a good candidate for this loan because?
I have always put my bills first my needs second.? I get paid the first week of every month
before I even buy gorceries I pay all my bills.? It is true I had to claim bankruptcy,? I had Id theft ,
my home had been robbed, I applied to refi my home in Jan 2008 just as some of the lenders
started closing their doors. I was one of the many that lost funds that i had paid towards my loan
that was approved and ready to close. They closed the office I was working with. To date funds
have not been returned.
This is what led up to the bankruptcy. Feb 2008 I had a credit score of? 782 and for the first
56 years of my life, or at least from when I established credit my score has always been
excellent.?
Monthly net income: $? 2400

Monthly expenses: $
??Housing: $ 829
??Insurance: $? 150
??Car expenses: $ 80
??Utilities: $ 180
??Phone, cable, internet: $ 140
??Food, entertainment: $ 150
??Clothing, household expenses $50
??Credit cards and other loans: $ 600?? will be paid off with loan
??Other expenses: $ medical? 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438082
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: 9.85% Starting borrower rate/APR: 10.85% / 14.43% Starting monthly payment: $32.67
 
Auction yield range: 4.20% - 9.85% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
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: 9 First credit line: Mar-2007 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2009) Current / open credit lines: 1 / 1Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 2Length of status:0y 1m
Amount delinquent: $0 Revolving credit balance: $1,046 Occupation: Student - Community...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 40%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: terrific-benefit Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
1 semester of college
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 438088
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: 9.85% Starting borrower rate/APR: 10.85% / 12.97% Starting monthly payment: $156.81
 
Auction yield range: 4.20% - 9.85% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
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: 9 First credit line: Aug-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Dec-2009) Current / open credit lines: 22 / 22Employment status:Self-employed
Now delinquent: 0 Total credit lines: 43Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $17,884 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 33%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: newest-healthy-pound Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438112
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: 17.20% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 1 First credit line: Sep-2000 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2009) Current / open credit lines: 5 / 4Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 23Length of status:0y 8m
Amount delinquent: $406 Revolving credit balance: $4,479 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 52%Stated income:$1-$24,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 3    
Screen name: NeedHELP1016 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
I want to consolidate my debt

Purpose of loan:
This loan will be used to pay off all my debt to where I can make a much lower monthly payment.

My financial situation: I am an Academic Advisor for the Troy University - Tifton Site.? I help people everyday with their academic goals.? I have always been the type of person?that would rather give than receive.? I hate asking for help; however the time has come where?I need someone to help me.? This $7,500 loan will help me get my debt into one monthly payment, get my "head above water," and have some left to start a savings account.? I am getting married in May of 2010, at which point I?hope to?receive a cash value life insurance policy which my mother has kept for my 28 years that is worth $20,000.? If received, I plan to cash?it in and pay off this loan.? I am not depending on cashing in this life insurance policy, so in the event I do not receive it, I will simply continue my payments.

I Monthly net income: $
I currently make $1,646 after deductions and I am paid the first of every month.

Monthly expenses: $
??Housing: $300
??Insurance: $118
??Car expenses: $350
??Utilities: $ N/A (included in housing complex)?
??Phone, cable, internet: $110
??Food, entertainment: $100
??Clothing, household expenses $100
??Credit cards and other loans: $500+?
??Other expenses: $60
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438118
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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 16.00% Starting borrower rate/APR: 17.00% / 19.20% Starting monthly payment: $427.83
 
Auction yield range: 6.20% - 16.00% Estimated loss impact: 5.28%  
Lender servicing fee: 1.00% Estimated return: 10.72%  
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: 8 First credit line: Dec-2001 Debt/Income ratio: 13%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 8 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:3y 10m
Amount delinquent: $0 Revolving credit balance: $11,547 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 41%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: revenue-marauder Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my credit card debt. The APR I am paying is about 12% when averaged.

My financial situation:
I am a good candidate for this loan because I am and have been employed full-time since I graduated from Purdue University 3 years ago. While I've been hit by the recession, I've always had a skill set in demand. I have taken out loans before and have made payments of up to $700 monthly. My credit score is good, last I checked, above 700.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438124
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: 18.0%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.65% Starting monthly payment: $63.68
 
Auction yield range: 17.20% - 29.00% Estimated loss impact: 19.69%  
Lender servicing fee: 1.00% Estimated return: 9.31%  
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-1996 Debt/Income ratio: Not calculated
Credit score: 680-699 (Dec-2009) Current / open credit lines: 5 / 5Employment status:Not employed
Now delinquent: 2 Total credit lines: 16Length of status:2y 5m
Amount delinquent: $392 Revolving credit balance: $38Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 2% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 4    
Screen name: transaction-keeper 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
Car broke down
Purpose of loan:
This loan will be used to? make car repairs.? My car broke down.

My financial situation:
I am a good candidate for this loan because?I'm expecting a student loan check at the end of January so I should be able to pay this off early.?

Monthly net income: $1800

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $175?
??Utilities: $
??Phone, cable, internet: $99
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $250
??Other expenses: $
Information in the Description is not verified.