Listing Report:Supplement No. 145 dated Jan 14, 2010 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 382131
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.33% Starting monthly payment: $188.58
 
Auction yield range: 8.06% - 20.08% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.11%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Nov-1994 Debt/Income ratio: 14%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 22 / 22Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 30Length of status:11y 6m
Amount delinquent: $0 Revolving credit balance: $26,709 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 73%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: gumbotime 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 8 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
680-699 (Oct-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 8  
Description
Paying off high interest creditcard
The purpose of this loan is to pay off a high interest credit card with a lower rate. A national bank raised my rate although I have never been late with a payment with them. Currently I net over $8,000 a month at my primary job and bring in about $1,000 extra a month in side projects and royalties. My rent is $1,600 a month and monthly expenses never go over $7,000 a month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 415931
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 19.33% Starting borrower rate/APR: 20.33% / 22.57% Starting monthly payment: $447.98
 
Auction yield range: 17.06% - 19.33% Estimated loss impact: 26.08%  
Lender servicing fee: 1.00% Estimated return: -6.75%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 3 First credit line: May-1999 Debt/Income ratio: 45%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 14 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:20y 2m
Amount delinquent: $0 Revolving credit balance: $9,534 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 87%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: Fury440 Borrower's state: Missouri Borrower's group: Vets helping Vets
Credit and homeownership information was obtained 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: 23 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
640-659 (Jan-2008)
660-679 (Oct-2007)
660-679 (Sep-2007)
 
Principal balance: $1,850.02 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
Consolidate debts
Purpose of loan:
Hello and thank you for reviewing my loan request. The purpose of this loan is to consolidate all of our credit card and finance debt. After talking with the bank, I learned that this is what is holding my credit score down, presently at 679

Prosper????????????????????????????????$1854.00? (17%)???? $175/month
Target????????????????????????????????? $2661.00? (23%)?????$? 80/month
Capitol One???????????????????????? ?$?688.00??(20%)?????$ ?40/month
Discover???????????????????????????????$2561.00 (20%)??????$ ?80/month?
Dell??????????????????????????????????????$2342.00 (22%)????? $? 80/month?? (Son attending Devry)
Citi Health????????????????????????????$1093.00 (18%)????? $? 45/month?? (Son's wisdom teeth)


My financial situation:
My finances are very stable. I am in my 20th year of employment with the State of Missouri, Dept of Mental Health. I own?two homes now?with approximately $80,000.00 equity. In addition to my full-time employment I receive $1303.00 a month in VA Disability pension?and an additional?$800 a month from my part-time position that I have held for the past 18 months. My?fiance has obtained her L.P.N. licence and is pursuing her RN, she now contributes approx $1500.00 a month to our bills.

Monthly net income: $?4235.00

$2,132.00 State Employment
$1,303.00? VA Disability Pension (Rated at 70%)
$800.00 Carmel Hills Nursing and Rehabilitation Center (part-time)(Independence MO) Owned by Skilled Health Care
Fiance contributes approximately $1500.00 a month to our bills. Also Employed by the above provider.

Monthly expenses:

Housing (#1)??? $461.00
Housing (#2)??? $430.00
Insurance??????? $168.00??
?? House #1 Paid Yearly in April $541.00
Car????????????????? $451.00
Phones????????????$180.00
Cable/Internet?$? 90.00
Food /other?????$300.00
Clothing/
Household???????$250.00
Utilities????????????$300.00
Credit Cards- None if this loan is approved. Presently CC debt and Financed debt payments equal $500.00
Child Support? $350.00

Total going Out $2980.00

Housing explanation: The housing market in our area is still very poor with many homes being repossessed.? The house we bought this last July was a repossession. It had been on the market for $109,000. We obtained it for $53,000 after the previous owners defaulted. My other home is an older two story and has been on the market for $73K and 68K, presently not listed because it can not compete in this market at this time. Valued At 79K
I refer you to the web site www.bidselect.com. The house next to me has just been taken back by the bank also.

I welcome and look forward to your questions




Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438203
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 22.09% Starting borrower rate/APR: 23.09% / 25.37% Starting monthly payment: $290.67
 
Auction yield range: 17.06% - 22.09% Estimated loss impact: 19.26%  
Lender servicing fee: 1.00% Estimated return: 2.83%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: Aug-2000 Debt/Income ratio: 23%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:9y 5m
Amount delinquent: $0 Revolving credit balance: $2,264 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Homeownership: No  
Inquiries last 6m: 0    
Screen name: prime24 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,500.00< mo. late: 0 ( 0% )  
620-639 (Aug-2008)
 
Principal balance: $3,187.99 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
vacation expenses
My reason for this loan is for business. I have been without a car note for 5 years and I feel it is time to purchase a vehicle especially now that my job has become mobile. I'm very prominent and always on time when it comes to paying all of my bills. I have very good credit and I'm also a homeowner. This loan will cover a nice portion of the down payment on a vehicle and the rest of course will pay of some bills including the remaining balance of my current prosper loan. I'm trustworthy and under control with my bills and may I add ido that I make $45,000 a year with a $5,000 bonus a year(which I did not calculate within my annual income).
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439653
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $542.83
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 3 First credit line: Jan-1987 Debt/Income ratio: 14%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:8y 0m
Amount delinquent: $0 Revolving credit balance: $11,216 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 99%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: blue-tough-gold Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
bath & kitchen redo
Purpose of loan:
This loan will be used to? repair my kitchen & bath and prepare the room for the new grandbaby!!! ????

My financial situation:
I am a good candidate for this loan because I have always worked and always been there for others when in need, ?

Monthly net income: $ 5-9000.00 ????

Monthly expenses: $ 600.00 - 900.00
??Housing: $ 00 I own my home free & clear

??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 440327
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 17.99% Starting borrower rate/APR: 18.99% / 21.21% Starting monthly payment: $293.21
 
Auction yield range: 11.06% - 17.99% Estimated loss impact: 10.42%  
Lender servicing fee: 1.00% Estimated return: 7.57%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Oct-1986 Debt/Income ratio: Not calculated
Credit score: 740-759 (Dec-2009) Current / open credit lines: 15 / 11Employment status:Not employed
Now delinquent: 0 Total credit lines: 32Length of status:28y 3m
Amount delinquent: $0 Revolving credit balance: $12,892Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 47% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: a-elevated-dollar Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to?
Paying off just two credit cards. One cards 0% offer ended and I don't?want to pay the high(18.99%) interest rate. So, instead of transfering the balance to another credit card, I want to get a loan and pay it off once and for all.
My financial situation:
I am a good candidate for this loan because? If you look at my credit page, I have been paying on these cards. Also paying these cards off? will be an asset to my credit rating. Thanks.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441899
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% Starting borrower rate/APR: 18.06% / 20.27% Starting monthly payment: $904.56
 
Auction yield range: 17.06% - 17.06% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.88%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 2 First credit line: Nov-1999 Debt/Income ratio: 63%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 13 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:5y 9m
Amount delinquent: $0 Revolving credit balance: $558 Occupation: Realtor
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: 4    
Screen name: heavenly-payout0 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
family mother
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
I pay my loans? on time and fast
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442339
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 25.00% Starting borrower rate/APR: 26.00% / 28.32% Starting monthly payment: $483.49
 
Auction yield range: 8.06% - 25.00% Estimated loss impact: 8.60%  
Lender servicing fee: 1.00% Estimated return: 16.40%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Jan-2006 Debt/Income ratio: 33%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:8y 0m
Amount delinquent: $0 Revolving credit balance: $6,518 Occupation: Clerical
Public records last 12m / 10y: 0/ 5 Bankcard utilization: 25%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Arimanes Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 16 ( 100% ) 700-719 (Latest)
Principal borrowed: $7,000.00< mo. late: 0 ( 0% )  
700-719 (Aug-2008)
 
Principal balance: $3,006.37 1+ mo. late: 0 ( 0% )
Total payments billed: 16  
Description
Paying off my credit cards/taxes
Purpose of loan:
This loan will be used to????Pay off?all my credit cards and pay taxes.??The?credit card companies?have jacked up the rates on a lot of people, not only me.? I do not intend to give them any more interest than?I?have already.??I also need to pay?my state/federal taxes.????????

My financial situation:
I am a good candidate for this loan because? I am a hardworking, reliable Air Force retiree.? My income is approximately 63,000 per year.? My spouse, whom I have been married to for 26 years, also has an income not included here.? Additionally, I have numerous opportunities for overtime.? I am willing to do anything to keep my credit in good standing.? Additional background:? The Prosper family were generous enough to fund a loan for me in the past 2 years.? I have never been late on this loan nor on any payments ANYWHERE in the past 6 years.? The Prosper loan was for my daughters wedding, which went very well.? Thanks Prosper.?

Also, I don't fully understand the rating.? I?KNOW I am an excellent?risk.? I dont go anywhere except work.? I work overtime EVERY week.??The only thing I spend my extra money on is my daughter.? Put your money on me, and you will receive?the excellent returns you deserve.? Remember, I work for the federal government, in a VA hospital.? I wont be getting laid off.? Thanks for your consideration.?

Monthly net income: $ 4200

Monthly expenses: $ 3015.00
??Housing: $ 475.00????
??Insurance: $ 150.00????
??Car expenses: $ 795.00
??Utilities: $ 120.00????
??Phone, cable, internet: $ 175.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 800.00
??Other expenses:
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442403
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,500.00 Prosper Rating: 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: $457.24
 
Auction yield range: 17.06% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Oct-1999 Debt/Income ratio: 27%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 9 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:10y 4m
Amount delinquent: $0 Revolving credit balance: $6,935 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 59%Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: dedication-trapper Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
This loan will be used to pay off four credit card accounts. I am a good candidate for this loan because I can afford to pay off the borrowed monies within 36-48 months with my current income, and will become a two-income family within the next 8-10 months. My monthly net income is $4400; housing $1000; insurance $85; car expense $465; utilities $125; phone/cable/internet $300; food/entertainment $650; credit cards/loans $500.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442409
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Sep-1997 Debt/Income ratio: 45%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 15 / 11Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 51Length of status:4y 8m
Amount delinquent: $1,054 Revolving credit balance: $2,433 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 6%Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Homeownership: Yes  
Inquiries last 6m: 6    
Screen name: silver-warp-speed 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
Getting caught up and back on track
Purpose of loan:
This loan will be used to?
Eliminate payday loans and get our budget back on track + put a couple of thousand back in savings
My financial situation:
I am a good candidate for this loan because?
I will make my monthly payments and have been a good responsible bill payer
My wife and I have very stable employment and are rooted in our neighborhood
Monthly net income: $
Jeff - 3,000
Diane - 1,400

Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 148
??Car expenses: $ 760?
??Utilities: $ 300
??Phone, cable, internet: $ 340
??Food, entertainment: $?600
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 375
??Other expenses: $ Currently have several payday loans that have snowballed - bad trap
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442415
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $316.65
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: Jan-2006 Debt/Income ratio: Not calculated
Credit score: 640-659 (Jan-2010) Current / open credit lines: 7 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:4y 0m
Amount delinquent: $0 Revolving credit balance: $9,343 Occupation: Bus Driver
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 36%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 5    
Screen name: relentless-fund 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?

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 442419
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.50% Starting borrower rate/APR: 9.50% / 9.84% Starting monthly payment: $320.33
 
Auction yield range: 3.06% - 7.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.00%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Sep-1993 Debt/Income ratio: 13%
Credit score: 800-819 (Jan-2010) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:13y 7m
Amount delinquent: $0 Revolving credit balance: $14,724 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 30%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: knowledgeable-responsibility6 Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off the last of our remaining credit cards.? Rather than watch the interest rate continue to climb as we faithfully make our payments, I am seeking to minimize the interest I am paying and realize a definitive payoff date, with no penalty for early payoff.

My financial situation:
I am a good candidate for this loan because I am in good financial health.? My credit score is high, my debt ration is low, and I believe that paying off this last credit card from college days will allow me to begin financial planning for my future, and the future of my children in a more impactful way.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442421
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,300.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 11.06% Starting borrower rate/APR: 12.06% / 14.19% Starting monthly payment: $176.19
 
Auction yield range: 11.06% - 11.06% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.83%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Jun-1989 Debt/Income ratio: 20%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 12 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:8y 7m
Amount delinquent: $0 Revolving credit balance: $9,686 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 36%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 4    
Screen name: Tgrlilly Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 25 ( 100% ) 720-739 (Latest)
Principal borrowed: $7,000.00< mo. late: 0 ( 0% )  
680-699 (Nov-2007)
 
Principal balance: $2,436.44 1+ mo. late: 0 ( 0% )
Total payments billed: 25  
Description
paying off auto loan
Purpose of loan:
This loan will be used to?Pay off an auto loan
My financial situation:
I am a good candidate for this loan because? I have worked 2 jobs since 2002.? I have held one job for almost?9 years and the other job I have currently held for 3 years.? I have an incredible work ethic and do not take time unless I absolutely have to.? I pay my bills. It is important to me to have good credit.? I have worked hard to build and maintain my credit these past few years.? Please take a chance, you won't regret it.? Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442427
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: 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: $203.56
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 2 First credit line: May-1988 Debt/Income ratio: 21%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 15Length of status:2y 7m
Amount delinquent: $0 Revolving credit balance: $600 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 70%Stated income:$25,000-$49,999
Delinquencies in last 7y: 20 Homeownership: No  
Inquiries last 6m: 5    
Screen name: heavenly-truth2 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
Herbalife
Purpose of loan:
This loan will be used to?Start a home business?

My financial situation:
I am a good candidate for this loan because I can pay this loan off in 10 months.?

Monthly net income: $3500

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 442433
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 3 First credit line: Mar-2002 Debt/Income ratio: 9%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 35Length of status:1y 3m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 15 Homeownership: No  
Inquiries last 6m: 3    
Screen name: blue-peaceful-contract Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Family Addition
Purpose of loan:
This loan will be used for medical procedures to have a baby. My wife and I have been seeing a fertility doctor to have a baby, we recently found out that I am "Klinefelter's Syndrome" which means I am XXY with 47 chromosomes. I will not be able to provide my wife with the genetics to have a baby, with out large medical expenses. So we are going to go with alternative ways to have kids. This has been very hard on me to know that I may never be able to see my own genetic child. I still hope to bless my wife with the opportunity to see our child with her genetics. I look forward to having a family.

My financial situation: Two years ago I defaulted on a transportation business I owned after doing everything I could to keep it going at the expense of putting off having a family. Since then I am back to work in corporate America and enjoy what I do. My wife and I both make good money now and are currently living below our means. We have been saving for the procedures currently and heard about Prosper.
I am a good candidate for this loan because my wife and I both have been working for many years in our industries and there is no sign of them changing.

Monthly net income: $5,350.00

Monthly expenses: $4,251.99
??Housing: $1,085.00
??Insurance: $217.00
??Car expenses: $700.00
??Utilities: $157.00
??Phone, cable, internet: $127.99
??Food, entertainment: $650.00
??Clothing, household expenses $450.00
??Credit cards and other loans: $365.00
??Other expenses: $500.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442439
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 14.06% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Feb-1992 Debt/Income ratio: 7%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 24Length of status:14y 3m
Amount delinquent: $10,253 Revolving credit balance: $5,129 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 71%Stated income:$50,000-$74,999
Delinquencies in last 7y: 28 Homeownership: No  
Inquiries last 6m: 0    
Screen name: felicity-cedar Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
to down payment for a car
Purpose of loan:
This loan will be used to?downpayment for a car.

My financial situation:
I am a good candidate for this loan because?it is a small loan that I?can afford to?it payoff in a short period of time.

Monthly net income: $ 2700.00

Monthly expenses: $?2100.00
??Housing: $?750.00
??Insurance: $?150.00
??Car expenses: $ 0.00
??Utilities: $?100.00
??Phone, cable, internet: $?100.00
??Food, entertainment: $?500.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442441
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $141.85
 
Auction yield range: 4.06% - 7.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.29%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Aug-1990 Debt/Income ratio: 33%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 12 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:15y 9m
Amount delinquent: $0 Revolving credit balance: $17,362 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 63%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: pound-karate 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 Boiler @ Apt.
Purpose of loan:
This loan will be used to? replace gas boiler in my 5 unit apartment building

My financial situation:
I am a good candidate for this loan because?I have owned this apartment building for about 12 years and have greatly improved its' value.? However it is almost 100 years old and requires some major upgrades from time to time.? The boiler has developed a leak and it is not cost effective to repair.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442445
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.59% Starting monthly payment: $56.57
 
Auction yield range: 8.06% - 20.08% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.11%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 10 First credit line: Feb-1992 Debt/Income ratio: 69%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 32 / 29Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 62Length of status:4y 6m
Amount delinquent: $0 Revolving credit balance: $127,806 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: green-peaceful-exchange Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
Pay off credit cards that 0% financing offers are coming due. These offers were related to expenses for a rental property and an investment property that is in progress of being rehabbed. Looking to reduce interest costs on carrying these loans going forward.

My financial situation:
I am a good candidate for this loan because I have a car payment (mini-van) that is finishing which will allow me to use those payments toward this loan and extra on other expenses. My wife also brings in income that is not included here. As noted earlier, I also have a rental property that nets about $500 month in additional income. I pay my bills on time. Yes, I have some higher revolving debt balances currently, which are due to real estate investments and related education. I am on the verge of making those investments payoff. For instance, house being rehabbed is close to finishing and will be up for sale soon, which will bring in extra income upon selling. I have very much been part of the credit card industries push to lower credit limits even though I pay my bills on time. I do work full time as a computer programmer / database analyst. Thanks for your consideration in lending me money to help pay off my 0% credit card offers and to save money in interest. My goal is to pay this back within 18 months. My wife and I have 3 wonderful girls.

Monthly net income: $ 4,333 from employer

Monthly expenses: $
??Housing: $ 960
??Insurance: $ 155
??Car expenses: $ 575 + $ 450 ($450 has a few more payments)
??Utilities: $ 250
??Phone, cable, internet: $ 220
??Food, entertainment: $ 800
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1250 (not positive on exact amount)
??Other expenses: $

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442463
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 11.10% Starting borrower rate/APR: 12.10% / 14.23% Starting monthly payment: $465.67
 
Auction yield range: 11.06% - 11.10% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.87%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Nov-1996 Debt/Income ratio: 27%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 11Length of status:5y 4m
Amount delinquent: $0 Revolving credit balance: $17,649 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 82%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: engaging-platinum 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
Consolidation
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: $ 0.00
??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 442465
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.05% Starting borrower rate/APR: 14.05% / 16.21% Starting monthly payment: $171.01
 
Auction yield range: 6.06% - 13.05% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.83%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Jun-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Jan-2010) Current / open credit lines: 8 / 7Employment status:Self-employed
Now delinquent: 0 Total credit lines: 24Length of status:4y 5m
Amount delinquent: $0 Revolving credit balance: $650 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 7%Stated income:$25,000-$49,999
Delinquencies in last 7y: 14 Homeownership: No  
Inquiries last 6m: 0    
Screen name: bowtheknee Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
660-679 (Jan-2008)
 
Principal balance: $1,672.41 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
Growing Ebay Business
Purpose of loan:
This loan will be used to help my wife (who has been lending small loans on prosper for over a year now) with her growing Ebay business.? She buys collectible Christmas books during the year to resell for a profit at Christmas time.? She is doing well and makes $30 - $200 profit from many books, but needs some capital at the beginning of the year to be off to a good start for the upcoming Christmas season.

My financial situation:
I am a good candidate for this loan because I have had a loan with Prosper since 1/24/08 and have made all payments on time .? My wife also is a member of Prosper and makes small $50 loans from time to time.? We both enjoy Prosper and think it is wonderful to have a place where caring people can help each other.? In addition to my small business I also pastor a church bi/vocationally and have additional income from that.?

Monthly net income: $ 3600

Monthly expenses: $
??Housing: $?600
??Insurance: $ 200
??Car expenses: $ 350
??Utilities: $250
??Phone, cable, internet: $150
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $250?
??Other expenses:?$300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442475
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,600.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.56% Starting monthly payment: $72.38
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Sep-2003 Debt/Income ratio: >1000%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:6y 7m
Amount delinquent: $0 Revolving credit balance: $19,048 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 92%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: newest-liberty-conqueror 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 for college this semester
Purpose of loan:
This loan will be used to?
I need this loan for the semester. I used the money I had saved for this semester to help pay for my mother to have her cataracts removed.
My financial situation:
I am a good candidate for this loan because? I am a responsible person, and always pay my bills.

Monthly net income: $ 2800.00

Monthly expenses: $
??Housing: $ 1120.00????????
??Insurance: $ 108.00
??Car expenses: $?200.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 60.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442481
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 1.5%  
   
 
Starting lender yield: 6.50% Starting borrower rate/APR: 7.50% / 7.84% Starting monthly payment: $155.53
 
Auction yield range: 3.06% - 6.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.00%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Jan-1993 Debt/Income ratio: Not calculated
Credit score: 800-819 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Not employed
Now delinquent: 0 Total credit lines: 15Length of status:1y 0m
Amount delinquent: $0 Revolving credit balance: $582Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 3% 
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: red-enthralling-hope Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for Career Training
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 442483
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: Oct-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Jan-2010) Current / open credit lines: 15 / 15Employment status:Self-employed
Now delinquent: 0 Total credit lines: 31Length of status:10y 0m
Amount delinquent: $0 Revolving credit balance: $26,157 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 91%Stated income:$100,000+
Delinquencies in last 7y: 4 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: choleman 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
Invest in new business

Purpose of loan:
To purchase inventory for new business.???

My financial situation:
I currently run 2 successfull business? One of them is as a satellite dealer.? We sell/install/service satellite systems in the state of Arizona.? The other business sells/installs/service audio/video systems are bars and restuarants.? We also sell/install newer lcd/plasma televisions and again maintain a/v systems.?? We also contract out with other companies to do their installations and service work also.?? WIth the current 2 business, I employ 4 people.

Monthly net income: $
Gross income: 20k+/month
Net income: 7500k+/month

Monthly expenses: $ (some include business expenses)
??Housing: $ 1600
??Insurance: $ 400 (trucks, life,?liability) (partially business)
??Car expenses: $ 1100 (2 trucks) (both business)
??Utilities: $ 300?
??Phone, cable, internet: $425 (with cell phones, electric etc)? (partial business)??
? Food, entertainment: $?600
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 1000
? Savings:? $1000 is auto invested and pulled into savings

Total is about $6800, of which is partially business related also.

Existing savings: $?
? Prosper: $ 2500? (check lendingstats)
? IRA:? $3500
? Sharebuilder: $7500
? Savings 1: $1500
? Savings 2: $1000


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442489
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 14.13% Starting monthly payment: $498.21
 
Auction yield range: 4.06% - 11.00% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 8.86%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Jan-2001 Debt/Income ratio: 18%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 24 / 23Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 44Length of status:1y 4m
Amount delinquent: $0 Revolving credit balance: $6,568 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$100,000+
Delinquencies in last 7y: 4 Homeownership: No  
Inquiries last 6m: 0    
Screen name: sculpture3 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
To the future!
This loan will be used to help support the education of my partner, who is currently attending college on a valid visa in the hope of bettering his future and becoming the first person in his family to ever graduate from college. My financial situation is extremely favorable. I am currently an attorney employed in a major New York City law firm, I have very low revolving personal debt and the remainder of my debt represents the student loans that I took out to put myself through law school. I am a great candidate for this loan because I am responsible, conscientious, attentive and committed to maintaining a long and good-standing credit history. I simply would not allow any loan that I have been granted to be negatively impacted in any way.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442499
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 8.06% Starting borrower rate/APR: 9.06% / 11.15% Starting monthly payment: $318.28
 
Auction yield range: 8.06% - 8.06% Estimated loss impact: 8.66%  
Lender servicing fee: 1.00% Estimated return: -0.60%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Dec-2004 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Dec-2009) Current / open credit lines: 3 / 3Employment status:Self-employed
Now delinquent: 0 Total credit lines: 6Length of status:5y 1m
Amount delinquent: $0 Revolving credit balance: $667 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 2%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: graydet 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: 24 ( 83% ) 760-779 (Latest)
Principal borrowed: $10,000.00< mo. late: 5 ( 17% )  
740-759 (May-2009)
520-539 (Jul-2007)
 
Principal balance: $2,078.91 1+ mo. late: 0 ( 0% )
Total payments billed: 29  
Description
Continue Business Growth
REFI
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442503
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 6.40% Starting borrower rate/APR: 7.40% / 9.47% Starting monthly payment: $124.24
 
Auction yield range: 4.06% - 6.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 4.29%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: May-1977 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Jan-2010) Current / open credit lines: 10 / 10Employment status:Self-employed
Now delinquent: 0 Total credit lines: 19Length of status:42y 6m
Amount delinquent: $0 Revolving credit balance: $40,977 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 44%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: unbeatable-euro 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
Debt Consolidation
Purpose of loan:
This loan will be used to pay off high interest credit card

My financial situation:
I am a good candidate for this loan because I have been self employed for 42 years..? It has been a family business for 144 years.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442507
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $225.87
 
Auction yield range: 4.06% - 9.00% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.88%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Apr-1993 Debt/Income ratio: 33%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 26 / 24Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 71Length of status:18y 7m
Amount delinquent: $0 Revolving credit balance: $78,140 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 74%Stated income:$100,000+
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: deal-serrano 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
putting in windows/patio door

Purpose of loan: This loan will be used to??install new windows and patio doors in my home. Rather than get financing through the window company, I would like to take advantage of this loan process. Although my interest rate was calculated at 8.4%, I am will to pay up to 13%.

My financial situation:
I am a good candidate for this loan because? of?my job stability and ability to repay the loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442509
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.50% Starting borrower rate/APR: 8.50% / 8.84% Starting monthly payment: $315.68
 
Auction yield range: 3.06% - 7.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.00%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Apr-1988 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 820-839 (Jan-2010) Current / open credit lines: 11 / 10Employment status:Self-employed
Now delinquent: 0 Total credit lines: 21Length of status:7y 2m
Amount delinquent: $0 Revolving credit balance: $2,285 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 4%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: lucrative-responsibility6 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
Shelving and inventory expansion
Purpose of loan:
This loan will be used to? expand in our new location. The funds will be used for the?initial expense of shelving and electronic equipment?for additional retail (walk-in) and increased internet sales on our new site www.brantsbooks.com

My financial situation:
I am a good candidate for this loan because? I have an extensive and?loyal base of repeat and referred customers. Our new location will allow for an increase in walk-in sales and?the ability to host more special events ; book signings, book clubs, etc. Brants Used Books is a local institution in that this store has been in operation for 52 years and will continue to thrive in all economic conditions.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442515
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Sep-1993 Debt/Income ratio: 10%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 10 / 9Employment status:Retired
Now delinquent: 1 Total credit lines: 30Length of status:4y 11m
Amount delinquent: $45,835 Revolving credit balance: $3,074Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 76% 
Delinquencies in last 7y: 6 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: coco1100 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off IRS capital gains tax
Purpose of loan:
This loan will be used to?pay off the IRS $3,000. for 2008? capital gains?on ?my house (deed in lieu)?although I received no money.

My financial situation:
I am a good candidate for this loan because?With my retirement and a part time job, I can?pay all my bills on time.?

Monthly net income: $ 2,946.00

Monthly expenses: $ 2,480.00
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442519
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.5%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $92.91
 
Auction yield range: 17.06% - 19.00% Estimated loss impact: 35.56%  
Lender servicing fee: 1.00% Estimated return: -16.56%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: May-2000 Debt/Income ratio: Not calculated
Credit score: 640-659 (Jan-2010) Current / open credit lines: 4 / 4Employment status:Retired
Now delinquent: 1 Total credit lines: 15Length of status:11y 1m
Amount delinquent: $0 Revolving credit balance: $3,052Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 93% 
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 6    
Screen name: OldNavyVet 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
paying my debts
Purpose of loan:
This loan will be used to? Pay off credit cards and other debts

My financial situation:
I am a good candidate for this loan because? I am a 100% Disabled Vet and my income is tax exempt.

Monthly net income: $ 2673

Monthly expenses: $ 1250
??Housing: $ 758.56
??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 442523
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: Jun-1995 Debt/Income ratio: 24%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:4y 11m
Amount delinquent: $0 Revolving credit balance: $47,847 Occupation: Executive
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: 4    
Screen name: balance-festivity4 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
business expenses
Purpose of loan:
to pay business expenses.

My financial situation:
I am a good candidate for this loan because I have excellent credit and a steady job.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442525
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.10% Starting borrower rate/APR: 18.10% / 20.31% Starting monthly payment: $162.91
 
Auction yield range: 17.06% - 17.10% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.84%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Aug-1997 Debt/Income ratio: 16%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 12 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:1y 5m
Amount delinquent: $0 Revolving credit balance: $15,715 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 70%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: invincible-return9 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
Our wedding
Purpose of loan:
My wife and I married and honeymooned this summer. If you fund this loan, we will be able to consolidate our wedding expenses (currently at high interest on our credit card). Thanks for your consideration!

My financial situation involves strong, consistent income. I'm faced with this large, one-time expense.
I am a good candidate for this loan because I have the will and ability to pay you back. I'm a physician passionate about finding better treatments for cancer. Here's a bit more of my background for your reference: 2001 BA, Harvard College 2006 PhD, Vanderbilt University 2008 MD, Vanderbilt University 2008-09 (18mo) McKinsey & Co 2009-present SciClone Pharmaceuticals (Senior Director) Thanks for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442531
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 22.00% Starting borrower rate/APR: 23.00% / 25.28% Starting monthly payment: $967.74
 
Auction yield range: 17.06% - 22.00% Estimated loss impact: 35.75%  
Lender servicing fee: 1.00% Estimated return: -13.75%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Dec-1964 Debt/Income ratio: 22%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 7 / 6Employment status:Retired
Now delinquent: 0 Total credit lines: 40Length of status:26y 2m
Amount delinquent: $0 Revolving credit balance: $9,726Stated income:$75,000-$99,999
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 99% 
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: sensible-currency 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
Movies on the Move Cinemabox
Do you want to make 23% on your Investment or
10% Ownership in company. (at current projections 44,000. 1st. year with 10-20% increase in sales annually.)

Have you ever heard of Redbox ?
The company is currently owned by Coin Star. Redbox retails DVD rentals through Kiosk locations.

This is a start up company of the Exact same concept
(Franchise through a company called DVDNow.) Franchise allows individual LLC./ Sole Proprietor naming of Company

This is a start up company called Movies on the Move Cinemabox. To be located in Massachusetts Greater Lowell Area.
My son is going to operate the business

My son obtained Funding of $300,000 all ready through hard money lines, BUT to please the lenders they want to see an escrow account of 25% ($75,000)
he has also secured $50,000 through private loan. We require an additional $25,000 to Please the initial hard money lenders.

$75,000 to be place in an escrow account to please investors of the $300,000.

We do not require this additional escrow money for operation of the business. We have a 24,000 pocket built in to the $300,000 for day to day operation costs.

This money will sit in escrow time frame to be determined and agreed upon by investor and myself. Most likely time projection of 2 years.

WE ARE SEEKING $25,000. to complete the required funding for the escrow account
I will pay you interest of 19% for your money to sit there I will not be spent on operational needs.

I HAVE ALL THE DOCUMENTATION / QUARTERLY REPORTS Redbox states that each Redbox location generates $50,000/year . I am looking to purchase 12 Kiosk at $276,000 I have approval for $300,000. I have build in a security pocket in the loan amount for operation costs.
Once we acquire the $25,000 we will have the entire $75,000 for the escrow account and we are good to go.

We can be up and operational in 45 days. We have 12 month projections 3 year projections THIS IS A CASH COW !!!!!!!!!!!!

OUR DOCUMENTATION STATEMENTS ARE AS FOLLOWS. 12 Kiosk Locations with Net. $444,608.00 annual revenue

PLEASE ANY ONE WITH MONEY TO INVEST OR IF YOU KNOW ANY ONE Contact us.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442535
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.5%  
   
 
Starting lender yield: 25.58% Starting borrower rate/APR: 26.58% / 28.91% Starting monthly payment: $1,015.01
 
Auction yield range: 8.06% - 25.58% Estimated loss impact: 9.11%  
Lender servicing fee: 1.00% Estimated return: 16.47%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Feb-1979 Debt/Income ratio: 33%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 37Length of status:26y 3m
Amount delinquent: $0 Revolving credit balance: $25,735 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 71%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: lbbeagles 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: 5 ( 100% ) 760-779 (Latest)
Principal borrowed: $25,000.00< mo. late: 0 ( 0% )  
720-739 (Jan-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 5  
Description
Paying off credit card debt
Purpose of loan:
This loan will be used to consolidate credit card debt.? A straight credit card debt reduction loan.
My financial situation:
I am a good candidate for this loan because I have job security having worked in the public service field at the same agency for over 26years.? I have a class "A" credit rating and I have never been deliquent/late on any type of loan/credit payment.? I have lived in the same home for over ten years.? I will use this loan to consolidate credit card paymenst and at the conclusion of payment it will help to reduce my debt to income ratio.? I am looking for a loan amount of $25,000 which I will repay in a period of three years (36 payments)? I would also like the option of paying the loan off early, if possible.
Thanks for your consideration!!!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442537
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: May-2000 Debt/Income ratio: 31%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:1y 6m
Amount delinquent: $0 Revolving credit balance: $8,019 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 87%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: whitesand 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 some credit cards
Purpose of loan:
This loan will be used to? make some payment

My financial situation:
I am a good candidate for this loan because? im very trustworthy and alway pay on time. i have a?very steady job, my credit is very important to me i will not?ruin it. im helping out my parent so my financial went down a little bit.?im really appreciate for some help. Thankyou

Monthly net income: $ 1200

Monthly expenses: $
??Housing: $ living with parent and?help?paying rent for my parent bout?$500 a month
??Insurance: $ 100????
??Car expenses:?just pay off last month
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ i mostly stay at home and work
??Clothing, household expenses?$?50
??Credit cards and other loans: $?5000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442543
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 22.70% Starting borrower rate/APR: 23.70% / 25.99% Starting monthly payment: $78.15
 
Auction yield range: 8.06% - 22.70% Estimated loss impact: 8.54%  
Lender servicing fee: 1.00% Estimated return: 14.16%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Mar-2006 Debt/Income ratio: Not calculated
Credit score: 700-719 (Jan-2010) Current / open credit lines: 6 / 6Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 13Length of status:0y 8m
Amount delinquent: $0 Revolving credit balance: $2,336 Occupation: Student - College S...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 32%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: gentle-finance 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 for second Bachelors.
Purpose of loan:
This loan will be used to pay the last 2000 dollars of tuition owed at my University.
I have gone back to school to pursue a degree in biology with hopes of being in Medical School in the next two years.
I Attend the Harriet L. Wilkes Honors College at Florida Atlantic University and only need this loan to cover the difference between my federal loan and the tuition costs.
My financial situation:
I am a good candidate for this loan because?
This loan will cover all my tuition costs for both semesters, I do, However have a second dispursement of my Federal loan in February, which will make it easy to finish paying off the principal an intrest on my loan.
I also work for a camera company, buying and selling cameras. i make around 300 a month which should cover the montly payments untill then.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442545
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,300.00 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% / 38.17% Starting monthly payment: $58.81
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Jul-1985 Debt/Income ratio: 28%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 10 / 11Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 30Length of status:5y 10m
Amount delinquent: $799 Revolving credit balance: $5,632 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 112%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: dollar-handshake1 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 Pay Day loans
Purpose of loan:
This loan will be used to? payoff pay day loans
My financial situation:
I am a good candidate for this loan because?I have stable financial status,good job,just trying to payoff these rip off companies??

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 442553
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,100.00 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: $211.46
 
Auction yield range: 11.06% - 14.00% Estimated loss impact: 10.31%  
Lender servicing fee: 1.00% Estimated return: 3.69%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Jun-2005 Debt/Income ratio: Not calculated
Credit score: 720-739 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:0y 11m
Amount delinquent: $0 Revolving credit balance: $3 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: mwichmann4 Borrower's state: Wisconsin Borrower's group: STUDENT AND EDUCATIONAL 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: 0 / 1 On-time: 25 ( 100% ) 720-739 (Latest)
Principal borrowed: $6,000.00< mo. late: 0 ( 0% )  
700-719 (Sep-2009)
700-719 (Dec-2006)
700-719 (Nov-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 25  
Description
Old Debt Consolidation Saving Plan
I have an old car loan of $6,000 on a car that I don't have anymore because the transmission died on me. My current loan was at 10%. My monthly payments are $293.
If I can get this loan at no more then 8% which would be a blessing, I can save myself an extra $105 per month. This is my goal. Please help a long time member of prosper and who has given loans to other responsible people.

Thank you.
I always pay my debts off, just look at my history I successfully paid a 6k loan off from here.
 
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442559
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% Starting borrower rate/APR: 18.06% / 20.27% Starting monthly payment: $904.56
 
Auction yield range: 17.06% - 17.06% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.88%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 3 First credit line: Sep-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Jan-2010) Current / open credit lines: 6 / 5Employment status:Self-employed
Now delinquent: 0 Total credit lines: 19Length of status:0y 9m
Amount delinquent: $0 Revolving credit balance: $14,940 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 64%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: transaction-communicator 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
Investment Capital for Start Up
Purpose of loan:
This loan will be used?for start up operations of?ACH Safety Group, LLC, in the?Houston, TX area. We are a Environmental, Health, Safety, and Security consulting company. We offer both products and services to a wide range of industry.?

My financial situation:
I am a good candidate for this loan because our business projections are high for 2010. Our outlook includes a operating?margin of 50%.?Projected sales are estimated to reach $2.1 million by December 2010.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442561
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.06% Starting borrower rate/APR: 18.06% / 20.27% Starting monthly payment: $361.83
 
Auction yield range: 17.06% - 17.06% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.88%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 3 First credit line: Sep-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Jan-2010) Current / open credit lines: 10 / 6Employment status:Self-employed
Now delinquent: 0 Total credit lines: 25Length of status:3y 9m
Amount delinquent: $0 Revolving credit balance: $6,656 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 42%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 4    
Screen name: whomper185 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
2010 Business Increase
This loan will be used to expand my business. Receiving this loan would enable me to increase staff and therefore increasel sales. Our salon has steadily continued to grow each year and has more than doubled since 2006.

My personal income ranges from $90 to 100K per year. I am responsible, consistent, career minded and driven.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442565
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 18.99% Starting borrower rate/APR: 19.99% / 22.23% Starting monthly payment: $304.70
 
Auction yield range: 17.06% - 18.99% Estimated loss impact: 35.56%  
Lender servicing fee: 1.00% Estimated return: -16.57%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Jun-1996 Debt/Income ratio: 49%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 12 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:6y 8m
Amount delinquent: $0 Revolving credit balance: $4,986 Occupation: Construction
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 83%Stated income:$25,000-$49,999
Delinquencies in last 7y: 14 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: ore-spa Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to consolidate credit card debt.

My financial situation:
I am a good candidate for this loan because my wife and I have incurred the debt during a home remodel.? We have a signficant amount of equity in the home and are geared towards selling it in the next few months.??We have the financial ability to eliminate this debt with or without a consolidation over the next 36 months; however, we?are determined to do?so in a practical manner while avoiding unwanted annual fees and high interest rates.

Monthly net income: $ 6925.00

Monthly expenses: $
??Housing: $ 1500.00
??Insurance: $?150
??Car expenses: $ 685.00
??Utilities: $?200.00
??Phone, cable, internet: $ 275.00
??Food, entertainment: $ 1000.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 335.00
??Other expenses: $ none
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442569
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.40% Starting borrower rate/APR: 8.40% / 11.93% Starting monthly payment: $31.52
 
Auction yield range: 4.06% - 7.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.29%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 10 First credit line: Jun-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Jan-2010) Current / open credit lines: 7 / 7Employment status:Self-employed
Now delinquent: 0 Total credit lines: 16Length of status:5y 11m
Amount delinquent: $0 Revolving credit balance: $736 Occupation: Landscaping
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 14%Stated income:$1-$24,999
Delinquencies in last 7y: 8 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Wlw123 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 3 ( 100% ) 720-739 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
640-659 (Jul-2009)
680-699 (Aug-2008)
640-659 (Jun-2008)
620-639 (Mar-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 3  
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?

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 442571
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.06% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Dec-2005 Debt/Income ratio: 35%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 8Length of status:4y 7m
Amount delinquent: $0 Revolving credit balance: $3,799 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 67%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: unbeatable-market 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
Paying off Legal Fees
Purpose of loan:
This loan will be used to pay off legal fees that have caught me off guard and I only have 2 weeks to pay the balance.

My financial situation:
I am a good candidate for this loan because I have never missed a payment on any credit card and I have had a loan on my car that I have paid $300 dollars a month on without being late once in over 2 years. I am very dependable. I just graduated from UNLV with a Bachelor of Hospitality Management. I will make the payments on time no matter what!

Monthly net income: $ 2,100

Monthly expenses: $
??Housing: $ 350 Rent?
??Insurance: $?129 Health
??Car expenses: $?299.90 Car, $228?Insurance
??Utilities: $ 60 Power
??Phone, cable, internet: $ 33 Cable and?Internet, $100 Phone
??Food, entertainment: $ 40 Food
??Clothing, household expenses $ ?
??Credit cards and other loans: $ 3 Credit cards minimum payments, No loans, 1 credit card with no balance
??Other expenses: $ None
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442573
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.00% Starting borrower rate/APR: 14.00% / 16.16% Starting monthly payment: $307.60
 
Auction yield range: 11.06% - 13.00% Estimated loss impact: 10.28%  
Lender servicing fee: 1.00% Estimated return: 2.72%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Jul-1970 Debt/Income ratio: 19%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 4 / 3Employment status:Retired
Now delinquent: 0 Total credit lines: 19Length of status:3y 9m
Amount delinquent: $0 Revolving credit balance: $714Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0% 
Delinquencies in last 7y: 2 Homeownership: No  
Inquiries last 6m: 0    
Screen name: VulcanVoyager 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 3 On-time: 33 ( 100% ) 740-759 (Latest)
Principal borrowed: $13,900.00< mo. late: 0 ( 0% )  
700-719 (Dec-2009)
640-659 (Jan-2008)
640-659 (Nov-2007)
680-699 (Apr-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 33  
Description
Buying my cousin's pick-up
Purpose of loan:
This loan will be used to buy my cousin's used pick-up

My financial situation:
This is a Prosper loan with the most solid structure for repayment you will bid on. It is backed by my pension with the Teachers' Pension Fund with the State of New Jersey. My pension is supplemented by Social Security. I have taken out previous Prosper loans and have NEVER MADE A LATE PAYMENT !
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442575
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 2 First credit line: Oct-1984 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Jan-2010) Current / open credit lines: 10 / 8Employment status:Self-employed
Now delinquent: 1 Total credit lines: 27Length of status:2y 7m
Amount delinquent: $58 Revolving credit balance: $20,239 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 79%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: awe-inspiring-nickel 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
every one loves a bbq
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 442579
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: 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: $203.56
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Nov-2007 Debt/Income ratio: 13%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 9Length of status:3y 7m
Amount delinquent: $0 Revolving credit balance: $1,066 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 77%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: favorable-trade4 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
transportation & laptop for school
Purpose of loan:
This loan will be used to buy a reliable car so i have transportation to school, buy a laptop to make my assignments easier to complete and also to pay for 2 non-credit certification courses that will help improve my job qualifications in the future.

My financial situation:
I am a good candidate for this loan because i pay all my bills on time,?i'm determined to work as hard as i have to so i can complete my degree program and?enter the job market so i can start my career as an enviro. engineer

Monthly net income: $
1600
Monthly expenses: $
??Housing: $ 400
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 30
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 50
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442583
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,100.00 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% / 24.53% Starting monthly payment: $41.49
 
Auction yield range: 8.06% - 20.08% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.11%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Dec-1995 Debt/Income ratio: 40%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 30Length of status:6y 9m
Amount delinquent: $936 Revolving credit balance: $6,009 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 74%Stated income:$1-$24,999
Delinquencies in last 7y: 39 Homeownership: No  
Inquiries last 6m: 0    
Screen name: snipehuntingforhire Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,200.00< mo. late: 0 ( 0% )  
640-659 (Feb-2008)
 
Principal balance: $525.17 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
fixing the truck
Purpose of loan:
This loan will be used to? Fix up the 04 ford ranger that I purchased with my last prosper loan, a trade in, and a loan from a local bank.? The truck needs a new coolant system, it runs, but I would like to fix it right to keep it road worthy.? I just paid for new tires [cash].? It would also like a tune up from "santa" too.? I have an excellent real mechanic with a real shop and this is his low estimate to replace the head gasket, radiator systems, etc.? The price from him is way lower than anyone elses quote.? I purchase the parts from my friend who wholesales parts [thus the low loan amount needed] so all around I have it made. partial of the new loan will go to pay off prosper number one loan[ with less than 530.00 balance]

My financial situation:
I am a good candidate for this loan because? I do have a black mark [bankrupt]on my credit report, no excuses, but I came home from Iraq from a tour with the Army military Police and came home to my employeer of two years not hiring me back, they claim "they forgot". I was unemployable for over 6 months with Doctor bills, a rash from the desert lice, and to top it off,? no job... I was backed to the wall.??Years later, I am now with a Veterans disability rating, an honorable discharge, and working full time and my trash route job in the evening, I am paying all my bills on time!?? I? paid off my former?truck with over 24% interest, from a high risk lending company, but I paid 100% on time, three months ahead and paid it off very early. That company is no longer in the loan business. All of my current accounts are in good standing.? My student loan is paid for months before the?payment is due, my target card is a?500 balance, my visa is a 2000 balance, my mastercard is a 2000 balance, the accnt in defaut is not correct, it was a motorcycle I no longer own and its in question as to why its listed on the credit report to begin with, that motorcycle was stolen and then sold to me in a huge legal debockle!? I also work a seasonal job as a mascot, that starts every april and lasts about?6months.? Thank you for helping me.

Monthly net income: $ I bring home $350 per week after taxes/benefits from the grocery store, and a yearly bonus of $1200,?and $400 per month?after expenses on the trash job, and my season job is bringing in about 2000 per year after taxes.

Monthly expenses: $
??Housing: $ 500.
??Insurance: $100.
??Car expenses: $ 150.
??Utilities: $?200.
??Phone, cable, internet: $ included in utilities
??Food, entertainment: $ 100.
??Clothing, household expenses $ 100.
??Credit cards and other loans: $ 400.
??Other expenses: $ 0.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442585
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 23.00% Starting borrower rate/APR: 24.00% / 26.29% Starting monthly payment: $294.25
 
Auction yield range: 8.06% - 23.00% Estimated loss impact: 7.04%  
Lender servicing fee: 1.00% Estimated return: 15.96%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Aug-2002 Debt/Income ratio: 38%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 15 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:13y 4m
Amount delinquent: $0 Revolving credit balance: $20,719 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 29%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: methodical-order2 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
Some personal help...
Purpose of loan:
This loan will be used towards the purchase of a new power wheelchair for myself and some repairs to my van.? Insurance will only help so much.? Although disabled, I am a vey independent person and am proud of what I have accomplished in life so far.? I also know when I need to reach out for some help, and this is one of those times.? If you are kind enough to extend a loan to me I can promise you I will use the funds towards this purchase of a new power wheelchair and towards some repairs my accessible van needs.? Thank you.

My financial situation:
I am a good candidate for this loan because? I am trustworthy and pay loans, credit cards, and bills on time, all the time!?

Monthly net income: $7000

Monthly expenses: (approx.)$ 6000
??Housing: $ 850
??Insurance: $ 140
??Car expenses: $ 250?
??Utilities: $?750
??Phone, cable, internet: $150
??Food, entertainment: $?500
??Clothing, household expenses $500
??Credit cards and other loans: $?3000??

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442589
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,865.00 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: $174.84
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Aug-1999 Debt/Income ratio: 42%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:0y 8m
Amount delinquent: $0 Revolving credit balance: $29,041 Occupation: Other
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: 3    
Screen name: boomerang621 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
Looking to refinance a credit card
I plan on using the loan to refinance a high-interest credit card balance to a lower rate.

My financial situation:
I am a good candidate for this loan because I have excellent payment history. I have no blemishes on my credit history for late payments. My credit score is good, around 700.

Monthly net income: $2200

Monthly expenses: $
??Insurance: $134
??Car expenses: $399
??Phone, cable, internet: $140
??Food, entertainment: $400
??Credit cards and other loans: $700
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442599
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 22.70% Starting borrower rate/APR: 23.70% / 25.99% Starting monthly payment: $195.38
 
Auction yield range: 8.06% - 22.70% Estimated loss impact: 8.54%  
Lender servicing fee: 1.00% Estimated return: 14.16%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Dec-2003 Debt/Income ratio: 18%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 14Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$1-$24,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 0    
Screen name: income-blueberry8 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my contract for deed
Purpose of loan:
This loan will be used to pay off my current contract for deed so I can sell to a friend.

My financial situation:
I am a good candidate for this loan because once paid off I will have no mortgage to pay and start receiving payments for the property. I have paid my loans even during hard times and have never defaulted. I only owe $7,600 on the property and have a car payment of $286 dollars per month.Besides that I have my current rent of $420 dollars per month and $80 per month for my student loans. That is all my debt.

Monthly net income: $ 2,000

Monthly expenses: $ 940
??Housing: $ 420
??Insurance: $ 60
??Car expenses: $ 286
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 80
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442601
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $795.20
 
Auction yield range: 17.06% - 24.00% Estimated loss impact: 35.88%  
Lender servicing fee: 1.00% Estimated return: -11.88%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Oct-1994 Debt/Income ratio: 35%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 16 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:7y 9m
Amount delinquent: $0 Revolving credit balance: $142,227 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 11    
Screen name: punctual-return4 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
Remodeling
Purpose of loan:

Remodel my bathroom(s) and kitchen


My financial situation:
I am good candidate because I am responsible borrower, and my income and job history has been stable.My credit history and credit show reflect the same.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442603
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 8.08% Starting borrower rate/APR: 9.08% / 11.17% Starting monthly payment: $382.04
 
Auction yield range: 8.06% - 8.08% Estimated loss impact: 8.16%  
Lender servicing fee: 1.00% Estimated return: -0.08%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Jan-1999 Debt/Income ratio: 26%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 14 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:2y 10m
Amount delinquent: $0 Revolving credit balance: $64,842 Occupation: Architect
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 70%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: neighborly-money 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 consolidate all my credit cards? just for that

My financial situation:
I am a good candidate for this loan because? i have job and never? was late? with my obligations

Monthly net income: $ 3860.00

Monthly expenses: $
??Housing: $?980??Insurance: $ 70
??Car expenses: $ 80
??Utilities: $?180??Phone, cable, internet: $?90
??Food, entertainment: $?200
??Clothing, household expenses $190
??Credit cards and other loans: $ 800
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442609
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,200.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $144.76
 
Auction yield range: 8.06% - 34.00% Estimated loss impact: 7.33%  
Lender servicing fee: 1.00% Estimated return: 26.67%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Jan-1984 Debt/Income ratio: 52%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:5y 0m
Amount delinquent: $0 Revolving credit balance: $34,610 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 64%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: the-currency-investor Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Finishing up my Masters Degree
Purpose of loan:This loan will be used to finish my last term of my Master Degree.? This is a last minute need in order to pay for my final term and expenses.? I will be able to pay of this loan once my last term is over.? I currently work as a graphic artist and I plan to work a second job with autistic children - during a few evening and Saturdays.? I am planning on a future career that has more meaning and that is why I am working towards a Masters Degree. I am also losing weight and am down 64 pounds so far.? I am getting my life in order and I am worth it!? My financial situation:I am a good candidate for this loan because I am responsible and working on finishing my Masters Degree, which will give me a better paying job.? I work full-time as a graphic designer. I an getting a MS in Instructional Education.? I plan on keeping my current job and working in the evening with autistic children as a behavior specialist once my MS degree is complete . I pay all my loans on time.Monthly net income: $ 2,100Monthly expenses: ??Housing: $ Rent $300??Insurance: $ 120??Car expenses: $ 120 (gas) - car is paid for??Utilities: $ $130??Phone, internet: $ $60??Food, entertainment: $ 300??Clothing, household expenses $3 0??Credit cards and other loans: $monthly credit card payments $600? -?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442617
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,500.00 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: $497.00
 
Auction yield range: 17.06% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 3 First credit line: May-1990 Debt/Income ratio: 23%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 10 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 30Length of status:5y 3m
Amount delinquent: $0 Revolving credit balance: $3,088 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 88%Stated income:$50,000-$74,999
Delinquencies in last 7y: 32 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: magnificent-bid1 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
getting a divorce
Purpose of loan: The purpose of this loan is to fund my divorce, I'll have to pay my soon to be exhubby some $ to leave because we do have some equity in the house. I want to continue to live in the house.
This loan will be used to? pay attorney fees, pay my soon to be ex some equity back in order for him to leave the house.

My financial situation:
I am a good candidate for this loan because?
I'm a very stable , responsible person. I'm at the same job for 5 years. I've lived in my house for 9 years. The problem is that I married somebody who isn't as responsible. He brought my credit score down to a 588 due to the fact that he wasn't working etc etc. I also have a FREE & Clear house in NY valued at over 500,000 .The problem is that I can't take equity out due to the new regulations from banks. I need a credit score of over 620.This property yields me $21,600 per year as an income. I've been renting this poperty out for over 9 years with a very stable tenant. I'll also be getting around 500 min. per month for child support for my 2 kids.
Monthly net income: $ 4,300 (not including child support, yet to be finalized)

Monthly expenses: $ 3825
??Housing: $ 1706
??Insurance: $ 60
??Car expenses: $ 518
??Utilities: $ 526
??Phone, cable, internet: $
??Food, entertainment: $ 400
??Clothing, household expenses $?
??Credit cards and other loans: $ 182
??Other expenses: $ 433

As I mentioned, I'm just trying to get a divorce, get back on my feet and borrow some money. The good thing?is that I have a house in NY that is fully paid for. I always feel like that is my security blanket. If I feel that ever, down the road things become too difficult to manage then I will be able to sell my home in NY.
This is a difficult time for me but it's been a long time coming. I just want to move forward in my life & 2010 a great year in my life.!!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442623
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 31.34% Starting borrower rate/APR: 32.34% / 34.75% Starting monthly payment: $437.43
 
Auction yield range: 11.06% - 31.34% Estimated loss impact: 10.79%  
Lender servicing fee: 1.00% Estimated return: 20.55%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Aug-1995 Debt/Income ratio: 39%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 16 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 37Length of status:0y 10m
Amount delinquent: $0 Revolving credit balance: $14,831 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 42%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: balance-spruce Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business inventory
Purpose of loan:My financial situation:
I have adequate income, the business should grow to at?over?$100,000 dollars within one year. I will be providing training
in a daytime rehabilitation?environment for people with mental disabilities.?The income will be earned from state reimbursement
which pays a minimum of? $3300 dollars a month per person, we have vouchers for 4 people available at this time. We also will
earn $20.00 per?person per day for transporting them. The?operation is a five day week, 20x4x5 is $400.00 weekly, which will
accrue to a total of $3300+400= 3700 X 4=14800 per month at the present time, $177600 per year.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442629
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.99% Starting borrower rate/APR: 9.99% / 12.10% Starting monthly payment: $354.89
 
Auction yield range: 4.06% - 8.99% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.87%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: May-1987 Debt/Income ratio: 28%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 23 / 22Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 47Length of status:6y 8m
Amount delinquent: $0 Revolving credit balance: $58,100 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 82%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: bigoldboy5 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 29 ( 100% ) 700-719 (Latest)
Principal borrowed: $8,500.00< mo. late: 0 ( 0% )  
720-739 (Jun-2007)
 
Principal balance: $1,865.29 1+ mo. late: 0 ( 0% )
Total payments billed: 29  
Description
Out of debt one step at a time
This is my second loan with prosper.? I'm slowly paying down debt.? Recognizing it is a slow process, missing no payments, and chipping away while not acquiring new debt.? This is helping me reach my goal.
Purpose of loan:
I'm trying to pay off higher interest credit card loans.? I've put the interest rate at a reasonable one--a higher rate means there is no benefit to consolidation, and that doesn't make financial sense.
My financial situation:
I'm well employed, with a good salary, and work additional self-employed shifts to get myself fully out of debt.? I've found myself in a lot of debt, with some high interest cards.? Paying these off with prosper money does two things--fixes a reasonable rate, AND sets a real time frame in which to pay them off.

Monthly net income: $?7500 (previously listed higher--didn't account?for?NET self-employment compensation)
Monthly expenses: $
??Housing: $ 2700 (including property taxes and insurance)
??Insurance: $ 100
??Car expenses: $?200 (gas)
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1800 (monthly minimum on credit cards)
??Other expenses: $ 1300 (student loans monthly)

free cash flow approximately $750 per month--it depends on the extra number of shifts I work each month.?

I'm starting with three higher interest rate credit cards, paying them off, and using the difference to pay down other cards, consolidating, and closing accounts.

I've been a lender on prosper for awhile now, and also have borrowed once.? The borrow account has a perfect record, and is due to be paid off in 5 months. I've been burned a few times as a lender and it's not a good feeling.? While there is never a 100% guarantee, hopefully my good credit status, and my experience on the lending side can give you some added confidence.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442641
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 31.87% Starting monthly payment: $231.98
 
Auction yield range: 17.06% - 28.50% Estimated loss impact: 36.16%  
Lender servicing fee: 1.00% Estimated return: -7.66%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Dec-1997 Debt/Income ratio: 25%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 27Length of status:4y 8m
Amount delinquent: $5,524 Revolving credit balance: $0 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: amatxu Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 21 ( 100% ) 680-699 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
680-699 (Nov-2009)
640-659 (Oct-2009)
640-659 (Sep-2009)
660-679 (Mar-2008)
 
Principal balance: $1,952.65 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
Still trying-much lower amnt thanks

Purpose of loan:
This loan will be used to? help pay my? debt down. It will help a little, but I have discovered (with several unsuccessful listings) that with an HR rating it is virtually impossible to get funded for a larger amount.(12000) which would actually clear most of what I owe so I could get caught up and start over debt free) I will appreciate whatever help is given,

My financial situation:
I am a good candidate for this loan because I have always tried to pay my immediate obligations and by paying down my cc debt my financial and dti will be better and I will have more to pay off any additional debt. The amount that is now used as monthly expenses for loans and credit cards will be used to pay down this loan. I am current on my present Prosper loan and have had no late payments and have never missed one either.Thanks for your consideration. The delinquencies have been resolved.? I would like to thank all previous bidders.

Monthly net income: $ 3892

Monthly expenses: $ 3626
??Housing: $ 1651
??Insurance: $ 150
??Car expenses: $ 50
??Utilities: $ 300
??Phone, cable, internet: $ 25
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 1150
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442647
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $90.47
 
Auction yield range: 14.06% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Nov-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Jan-2010) Current / open credit lines: 12 / 12Employment status:Self-employed
Now delinquent: 0 Total credit lines: 31Length of status:13y 7m
Amount delinquent: $0 Revolving credit balance: $23,501 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 92%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: genius0 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
Inventory of newly released items
Purpose of loan:
This loan will be used to increase my inventory of the newly released line of dolls that occurs in Jan. and July.

My financial situation:
I am a good candidate for this loan because my business is growing every year and I am good at paying my loans back.

Monthly net income: $2700

Monthly expenses: $
??Housing: $550
??Insurance: $92
??Car expenses: $205
??Utilities: $150
??Phone, cable, internet: $85
??Food, entertainment: $280
??Clothing, household expenses $75
??Credit cards and other loans: $600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442653
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,900.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $115.30
 
Auction yield range: 8.06% - 24.00% Estimated loss impact: 8.57%  
Lender servicing fee: 1.00% Estimated return: 15.43%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Nov-1990 Debt/Income ratio: Not calculated
Credit score: 700-719 (Jan-2010) Current / open credit lines: 17 / 16Employment status:Not employed
Now delinquent: 0 Total credit lines: 46Length of status:4y 1m
Amount delinquent: $0 Revolving credit balance: $61,054Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 89% 
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: hope-american 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
Gift from God
Purpose of loan:
We are lucky to have a new healthy baby girl on January 3 2010. This loan will help pay costs so we don't have to use a credit card.

My financial situation:
I am a good candidate because I always pay my bills on time and our current plan has us paying our debt within 5 years. I left my job to stay home and take care of my children full time. My husband's income supports our family and we'd like a small loan so we don't have to use credit cards to cover the new expenses.

We have debt partly due to a younger daughter who is now in heaven. She was born with a heart condition which required surgery and constant care. We cherish the time we had with her and miss her dearly.



Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442671
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: 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: $294.03
 
Auction yield range: 14.06% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Jul-2002 Debt/Income ratio: 5%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 9Length of status:7y 4m
Amount delinquent: $0 Revolving credit balance: $1,818 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 13%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: exponential-community4 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off school loans
Purpose of loan:
This loan will be used to help pay off some credit cards and school loans.

My financial situation:
I am a good candidate for this loan because i make a good amount of money every year.

Monthly net income: $ 6,500

Monthly expenses: $
??Housing: $ 2,000
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442677
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $90.47
 
Auction yield range: 14.06% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Mar-2000 Debt/Income ratio: Not calculated
Credit score: 660-679 (Jan-2010) Current / open credit lines: 20 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 42Length of status:9y 4m
Amount delinquent: $0 Revolving credit balance: $39,685 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 86%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: serene-dinero8 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 card
Purpose of loan:
Paying an AMEX credit card?

My financial situation:
I am a good candidate for this loan because?
Income is good , just looking for cash flow
Monthly net income: $
4000
Monthly expenses: $
??Housing: $ 712
??Insurance: $ 120
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 100????????
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $?728
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442683
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Apr-2003 Debt/Income ratio: 18%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 7 / 4Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 14Length of status:4y 3m
Amount delinquent: $111,430 Revolving credit balance: $1,594 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 69%Stated income:$25,000-$49,999
Delinquencies in last 7y: 33 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: new-flexible-market 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
Personal Isues
Purpose of loan:
This loan will be used to?improve my credit and economic status?

My financial situation:
I am a good candidate for this loan because? I don't have any high expenses and can easily afford my payments.

Monthly net income: $ 2,900

Monthly expenses: $
??Housing: $ 100
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 25
??Food, entertainment: $ 100
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 100
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441868
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 23.70% Starting borrower rate/APR: 24.70% / 27.00% Starting monthly payment: $396.01
 
Auction yield range: 8.06% - 23.70% Estimated loss impact: 8.56%  
Lender servicing fee: 1.00% Estimated return: 15.14%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Jun-1999 Debt/Income ratio: 21%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $7,047 Occupation: Biologist
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 29%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: master0 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Peace of Mind
Purpose of loan:
This loan will be used to pay off a handful of high-interest credit card balances, and make a payment of "goodwill" to my mother, who has lent me around $4000 over the past few years.? About half of the debt is student-related (one parent loan for $2K, remaining balance went to books, student fees, and some living expenses).

My financial situation:
I am a good candidate for this loan because it is important to me to to pay my monthly loan payments on time to protect my credit score, and to become debt-free in three years.

I'm a marine biologist contracted to work for the government on projects relating the the recovery of salmonids in the Pacific Northwest.? Though my profile shows that I've been employed for 4 months with my current employer, I've actually been at my current job for over three years at the same location.? I was started on a new contract, with a new contracting agency in September of 2009.? The entire division switched over to the new contractor for reasons unrelated to my work and it has not affected the quality or continuity of my position.? In the case of job loss, I am confident I could find work again quickly as I have marketable skills and have never had a problem obtaining work in my field.

Like many folk out there, the credit card companies have hiked my interest rates 2x in the past several months, from an initial "fair" rate to up to 17% on one card! I hold two other credit cards with APR's ranging from 12-14% APR, so I am hoping to find a better rate here at Prosper.? I plan to be debt-free within three years, and I hope this loan can help me achieve this goal.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442086
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 20.00% Starting borrower rate/APR: 21.00% / 23.25% Starting monthly payment: $263.73
 
Auction yield range: 17.06% - 20.00% Estimated loss impact: 19.13%  
Lender servicing fee: 1.00% Estimated return: 0.87%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Nov-1991 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Jan-2010) Current / open credit lines: 10 / 10Employment status:Self-employed
Now delinquent: 0 Total credit lines: 17Length of status:0y 1m
Amount delinquent: $0 Revolving credit balance: $1,756 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 27%Stated income:$50,000-$74,999
Delinquencies in last 7y: 99 Homeownership: No  
Inquiries last 6m: 1    
Screen name: impressive-p2p Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Advance to Management
This loan will be used for a Graduate Degree in Management. I am a business professional with MBA for ten years.

Financial situation:
I spent the last seven years clearing up my credit report. I paid back credit cards, closed false reported?accounts?and paid off our vehicles. My student loan is a sum of six accounts; a high number of delinquencies developed quickly during earlier times. I reached an agreement with the student loan and all my payments are on time since. All other bills are always paid on time. We established a budget and live by it. I now have a credit score of 681 = good.

Monthly net income: $ 3,250

Monthly Expenses: $2,540
Housing: $800
Insurance: $140
Car Expenses: $50
Utilities: $250
Phone, cable, internet: $100
Food, entertainment: $700
Clothing, household expenses: $100
Credit Card and other loans: $300
Other Expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442158
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $212.26
 
Auction yield range: 17.06% - 29.00% Estimated loss impact: 36.19%  
Lender servicing fee: 1.00% Estimated return: -7.19%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Sep-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Jan-2010) Current / open credit lines: 4 / 3Employment status:Self-employed
Now delinquent: 2 Total credit lines: 11Length of status:3y 7m
Amount delinquent: $785 Revolving credit balance: $16,055 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 96%Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Homeownership: No  
Inquiries last 6m: 2    
Screen name: noble-platinum 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
medical bills
Purpose of loan:
This loan will be used to?pay medical bills

My financial situation:
I am a good candidate for this loan because, have been inflorida for 30 years ,had abankruptcy in 2003, but am basically a very honest person?

Monthly net income: $ 2640

Monthly expenses: $
??Housing: $ lot rent? $360
??Insurance: $ $110
??Car expenses: $ 125
??Utilities: $ 105
??Phone, cable, internet: $ $102
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442214
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% Starting borrower rate/APR: 18.06% / 20.27% Starting monthly payment: $542.74
 
Auction yield range: 17.06% - 17.06% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.88%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Sep-1999 Debt/Income ratio: 44%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:4y 4m
Amount delinquent: $0 Revolving credit balance: $15,093 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 80%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: SarahFit Borrower's state: Massachusetts Borrower's group: Lend2's Group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 54 ( 100% ) 700-719 (Latest)
Principal borrowed: $25,000.00< mo. late: 0 ( 0% )  
720-739 (Nov-2007)
680-699 (Jan-2007)
 
Principal balance: $3,419.65 1+ mo. late: 0 ( 0% )
Total payments billed: 54  
Description
Newlywed paying off her credit debt
Purpose of loan:
This loan will be used to pay off two credit cards that I needed to use for an emergency. ??

My financial situation:
I am a good candidate for this loan because?I recently been promoted from?Concierge to Membership Manager with a nice pay raise. I have never missed a previous (or current) prosper loan payment. I am very reliable and hold?steady employment with the same company for over four years. ??

Monthly net income:?$2400 (after taxes)?

Monthly expenses: $1275
??Housing: $550 (rent)?
??Insurance: $0?
??Car expenses: $0
??Utilities: $75?
??Phone, cable, internet: $75?
??Food, entertainment: $100?
??Clothing, household expenses $100?
??Credit cards and other loans: $375 (this will be only $75)?

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442218
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $678.54
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Jun-1997 Debt/Income ratio: 34%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 19Length of status:5y 11m
Amount delinquent: $1,283 Revolving credit balance: $15,825 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 82%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: jhedlind Borrower's state: Oregon Borrower's group: Have Money - Will Bid
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Freedom from debts& improve credit
Purpose of loan:
This loan will be used to pay off credit card and auto loan bills.

My financial situation:
I am a good candidate for this loan because I have full time job and would let my banking online automate paying this loan. I would basically pay off the car loan and other credit card debts. After this, I will have around $1500 freedom in monthly payments.

Monthly net income: $ 3600
+ Spouse income: $2,000 up
Monthly expenses: $?2350
??Housing: $ -
??Insurance: $?200
??Car expenses: $?1500
??Utilities: $?100
??Phone, cable, internet: $?50
??Food, entertainment: $ 500
??Clothing, household expenses $?
??Credit cards and other loans: $ 0 after this loan
??Other expenses: $ -
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442266
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,900.00 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: $335.37
 
Auction yield range: 11.06% - 29.00% Estimated loss impact: 10.73%  
Lender servicing fee: 1.00% Estimated return: 18.27%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Oct-1990 Debt/Income ratio: 28%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 10 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:17y 9m
Amount delinquent: $0 Revolving credit balance: $13,320 Occupation: Military Officer
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 93%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: N-a-Pinch Borrower's state: Georgia Borrower's group: Integrowth Capital Solutions
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 92% ) 720-739 (Latest)
Principal borrowed: $9,500.00< mo. late: 2 ( 8% )  
680-699 (Dec-2007)
700-719 (Oct-2007)
 
Principal balance: $3,881.45 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Legal fees/pay off other loan
Purpose of loan:
This loan will be used to pay off my existing Prosper loan and cover some legal fees.

My financial situation:
Even though my credit rating on Prosper is a D, I am an excellent candidate for this loan.? My current loan is in good standing, my credit rating has increased since my last prosper loan, and I have had zero delinquencies for the last seven years.? I am currently on the upswing financially but do have some explaining for my past credit history.? The public record is a bankruptcy from 2001.? I had gone through a messy divorce and was straddled with approximatley 50K in credit card debt.? Between the credit card payments, alimony, and child support, I was borrowing from Peter to pay Paul and was damaging my credit even worse.? There are also two late payments listed on my current Prosper loan.? The first late payment was poor timing between my bank and I.? I had set up an account for autopay and the money was transferred to that account hours after Prosper attempted to withdraw the money.? Payed the next day.? The second payment was due to a forgotten?insurance policy that only withdrawls money annually.? Murphy's law states that the money of course had to come out the day the Prosper payment was due.? This payment was also paid within days of it's due date.??

My current financial status falls out like this:?

I own a home worth approx $280,000 with a mortage of $2,000/mo.? I rent this home for $1,500/mo and am actively trying to sell it.? I am renting an appartment for $840/mo in the mean time.??

Total income per month:? $6,234
Total expenses per month (rent & mortage included): $5,679

As you can see, I have no difficulty paying my bills or even increasing my Prosper payment slightly each month.? I just need some cash on hand to pay my legal fees and thought I would roll my other loan into this one.??

Thank you for taking the time to read my listing and of course if you have any questions, please contact me. ?

Monthly net income: $ 6,234

Monthly expenses: $
??Housing: $ 840
??Insurance: $ 125
??Car expenses: $ 450
??Utilities: $?40
??Phone, cable, internet: $ 90
??Food, entertainment: $ 300
??Clothing, household expenses $ 0
??Credit cards and other loans: $?900
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442332
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 21.00% Starting borrower rate/APR: 22.00% / 24.26% Starting monthly payment: $76.38
 
Auction yield range: 14.06% - 21.00% Estimated loss impact: 14.94%  
Lender servicing fee: 1.00% Estimated return: 6.06%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Jun-2003 Debt/Income ratio: 12%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 13 / 12Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 21Length of status:2y 2m
Amount delinquent: $225 Revolving credit balance: $22,704 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 83%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: auction-workhorse679 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
Fencing the backyard
Purpose of loan:
This loan will be used to build a white vinyl fence around backyard for the benefit of my golden retriever and husky.

My financial situation:
I am a good candidate for this loan because I have good income, contract for a large company in a growing industry and I have limited expenses. I plan to payoff the loan early once taxes are done. I also think this would be a good way to begin borrowing from prosper to build a positive history.

Monthly net income: $ 9800

Monthly expenses: $
??Housing: $?1200
??Insurance: $ 290
??Car expenses: $?550
??Utilities: $?320
??Phone, cable, internet: $ 100
??Food, entertainment: $?300
??Clothing, household expenses $?200
??Credit cards and other loans: $?400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442394
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.59% Starting monthly payment: $56.57
 
Auction yield range: 8.06% - 20.08% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.11%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 10 First credit line: Dec-1975 Debt/Income ratio: 40%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 8 / 3Employment status:Retired
Now delinquent: 0 Total credit lines: 37Length of status:1y 1m
Amount delinquent: $0 Revolving credit balance: $0Stated income:$1-$24,999
Public records last 12m / 10y: 1/ 1 Bankcard utilization: 0% 
Delinquencies in last 7y: 13 Homeownership: No  
Inquiries last 6m: 1    
Screen name: luminous-order5 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
Property Taxes
Purpose of loan:
This loan will be used to?Pay Property Taxes?????????

My financial situation:
I am a good candidate for this loan because? I will worry until I get it paid off

Monthly net income: $
1985.99????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????
Monthly expenses: $
??Housing: $Mortgage 844.72????

??Insurance: $290.00, car, house et Medicare????

??Car expenses: $40.00, gas?
??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 442406
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
 
Auction yield range: 14.06% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Dec-2004 Debt/Income ratio: 15%
Credit score: 600-619 (Jan-2010) Current / open credit lines: 4 / 2Employment status:Retired
Now delinquent: 0 Total credit lines: 6Length of status:20y 1m
Amount delinquent: $0 Revolving credit balance: $3,829Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 95% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: Coloradoan 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 33% ) 600-619 (Latest)
Principal borrowed: $3,000.00< mo. late: 12 ( 67% )  
600-619 (Oct-2009)
600-619 (Jun-2008)
 
Principal balance: $1,660.66 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
adjusting to "cash not credit"
Purpose of loan:
This loan will be used to make adjustments?enabling me to more readily adapt to credit-free living?

My financial situation:
I am a good candidate for this loan because once I complete the lifestyle change, I will be more apt to develop a more preductive life.

Monthly net income: $ 1,799

Monthly expenses: $
??Housing: $ 350
??Insurance: $
??Car expenses: $
??Utilities: $ 170
??Phone, cable, internet: $?183
??Food, entertainment: $?375
??Clothing, household expenses $?
??Credit cards and other loans: $ 540
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442412
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $78.80
 
Auction yield range: 4.06% - 7.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.29%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Mar-1995 Debt/Income ratio: 40%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 16 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 46 Occupation: Professional
Amount delinquent: $0 Revolving credit balance: $14,206Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 82% 
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: power-loyalist0 Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Tough Times
Purpose of loan:
This loan will be used to? take care of some immediate expenses that need to be taken care of.?

My financial situation:
I am a good candidate for this loan because? I have not been late or behind on any accounts.? I will be obtaining a part time job next month that will help repay this loan.? I?will be?able to repay?it with my current job but this?extra job?will help?also.? My current job is very good but I have just been overwhelmed with extra ordinary expenses lately.

Monthly net income: $ 3200

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 154.00
??Car expenses: $ 100
??Utilities: $ 400
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 600
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442418
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.33% Starting monthly payment: $75.43
 
Auction yield range: 8.06% - 20.08% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.11%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 10 First credit line: Nov-1989 Debt/Income ratio: 16%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 21 / 19Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 45Length of status:14y 5m
Amount delinquent: $0 Revolving credit balance: $37,748 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 83%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: peaceful-responsibility1 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 card
Purpose of loan:
This loan will be used to payoff one of my credit card.

My financial situation:
I am a good candidate for this loan because I?pay all my debt obligations.?

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 442424
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,499.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 11.06% Starting borrower rate/APR: 12.06% / 14.19% Starting monthly payment: $415.50
 
Auction yield range: 11.06% - 11.06% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.83%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Jun-2000 Debt/Income ratio: 17%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 14 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 22Length of status:0y 2m
Amount delinquent: $0 Revolving credit balance: $13,531 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 80%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: p2ploan-disk 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 CC's From Two Moves
Purpose of loan:
The loan will be used to pay off all of my credit card debt mainly accumulated from the two moves and a small business I had started.

My financial situation:
I have a solid career and the debt I have accumulated was to?move to?two different states to advance my career?and also to start a small business, which a small investment, but didn't yeild a return?over the last year and a half. Making big payments, but 21% interest is going to the bank.

Monthly net income: $
3900


Monthly expenses: $
??Housing: $ 1,000
??Insurance: $ 149.00
??Car expenses: $?350.00
??Utilities: $?50.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $?300
??Clothing, household expenses $ 100
? Credit cards & student loans - $?700?

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442436
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.06% - 26.40% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.74%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: May-1995 Debt/Income ratio: 20%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 15 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:4y 3m
Amount delinquent: $0 Revolving credit balance: $3,188 Occupation: Other
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 92%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: versatile-order Borrower's state: Wyoming Borrower's group: N/A
Credit and homeownership information was obtained from 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?paying off credit cards?????????

My financial situation:
I am a good candidate for this loan because?over the past year I have kept everything current, albeit somewhat?near limits, to?raise my credit score more than 75 pts. Now I would like to pay off some high interest credit cards to further my goal of a 700 plus score.?

Monthly net income: $5000.00

Monthly expenses: $
??Housing: $ 1374
??Insurance: $90
??Car expenses: $ 918
??Utilities: $ 200
??Phone, cable, internet: $200
??Food, entertainment: $ 600
??Clothing, household expenses $ 200
??Credit cards and other loans: $350
??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442442
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 35.40% Starting monthly payment: $90.47
 
Auction yield range: 3.06% - 34.00% Estimated loss impact: 1.58%  
Lender servicing fee: 1.00% Estimated return: 32.42%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: May-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Jan-2010) Current / open credit lines: 17 / 16Employment status:Self-employed
Now delinquent: 0 Total credit lines: 25Length of status:14y 6m
Amount delinquent: $0 Revolving credit balance: $122,231 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 52%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: mothandrust 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
Hedging My Prospeculation
I have been a Prosper lender since March 2007.

In the event the borrowers on ?my? Prosper Notes are still paying faithfully every month, but Prosper ceases to pass those payments on to me, I want to be protected.

While we hope for the best, these days even large companies have gone into receivership, leaving unsecured creditors in a long and crowded line behind bankruptcy lawyers, employees, bankers, tax collectors, and senior secured creditors.

Unsecured creditors (that?s us lenders; we don't have a security interest in "our" loans) often only receive a few pennies on the dollar in such situations.

I will invest the loan proceeds to keep my portfolio (50% stocks/40% bonds/10% gold) in balance.? If I am underweight high-yield corporate bonds, I may bid on some Prosper listings.

The photo shows you gold (16 1oz Canadian Maple Leafs = 18K) and dividend-paying stocks (72K) worth 800% of the value of all my unsecured borrowings.

Every year I max out my IRA and HSA accounts with the free cash flow from my business and investments.

According to its own prospectus (pages F-22, F-25 and F-29), Prosper has ongoing negative operating cash flows and a 33M accumulated deficit, with up to 179M of contingent liabilities and only about 10M worth of assets on its balance sheet (as of 3/31/09).

I believe I have a superior capacity to pay than Prosper itself does, and I will pay as long as Prosper continues to pay me.

If Prosper were to stop crediting payments to lenders, I could then stop paying on my loan to offset that.? If this were to happen, you would not get your payments?but you wouldn?t be getting them on any of ?your? other Prosper loans either!

But if Prosper continues to prosper, I will pay off this loan after my lending portfolio has wound down (when all my loans are paid off or charged off).

The 122K ?revolving credit lines? is 110K of a Chase HELOC at 2.49% (Prime minus 0.76) and 8K of credit cards at 3.99% (fixed rate forever), and the other credit cards I pay in full every month.

Go check it for yourself--you can view my full (redacted) Equifax credit report at www.tinyurl.com/mothcredit

I am starting the auction very high but I will cancel if I don?t get a bid-down comparable with other recent AA listings, so don?t come crying to me that your cash got tied up for a week.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442448
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 17.06% Starting borrower rate/APR: 18.06% / 20.27% Starting monthly payment: $434.19
 
Auction yield range: 17.06% - 17.06% Estimated loss impact: 25.94%  
Lender servicing fee: 1.00% Estimated return: -8.88%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 3 First credit line: Jul-2006 Debt/Income ratio: 32%
Credit score: 600-619 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 7Length of status:4y 0m
Amount delinquent: $0 Revolving credit balance: $2,328 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 103%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: positive_change 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: 22 ( 100% ) 600-619 (Latest)
Principal borrowed: $3,100.00< mo. late: 0 ( 0% )  
520-539 (Jan-2008)
 
Principal balance: $1,524.76 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Student just trying to stay ahead
Purpose of loan:
Basically this loan is gonna be used to take all my debt and turn it into one monthly payment. Making it easier to keep track of payments while attending school. This loan will also save me money monthly, it will be replacing my monthly payments for a car loan, my 1st prosper loan and 2 credit cards. It will probably save me about $100 a month.

My financial situation:
I am a wise investment because, despite what my credit score says, i am very good at paying my bills.? Unfortunately situations have arose that have caused me to use my credit cards and now im am stuck in the interest hole that is monthly payments fortunately i am at a point in my life where things are kind of settling down which is why i am seeking this loan. I am also the person that takes care of the household bills for a family of 5, it gets very stressful trying to keep up with all those bills while working full-time and going to school. Thats why this loan will benefit me a great deal, as you can see by my previous prosper loan i am very good at making my payments.

Monthly net income: $ 2000

Monthly expenses: $
??Insurance: $ 172.00
??Car expenses: $ 235.00 (loan) [this would be part of prosper loan]
??Utilities: $ 100
??Phone, cable, internet: $ 25
??Credit cards and other loans: $ 75, $75, $131.60
??Other expenses: $ 75
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442454
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.06% - 31.67% Estimated loss impact: 15.46%  
Lender servicing fee: 1.00% Estimated return: 16.21%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Jul-2008 Debt/Income ratio: 50%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 3 / 3Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 3Length of status:2y 7m
Amount delinquent: $0 Revolving credit balance: $114 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 5%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: heavenly-payout Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying for a semester of college
Purpose of loan:
This loan will be used to? pay for a semester of college that i have no other to pay for.

My financial situation:
I am a good candidate for this loan because? I don't take asking for money lightly and for that reason I don't do it if I don't have to.? I just don't have the money in time for the semester to start.

Monthly net income: $ 500 ????

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 80
??Utilities: $ 0
??Phone, cable, internet: $30
??Food, entertainment: $ 100
??Clothing, household expenses $0
??Credit cards and other loans: $ 45
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442456
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,700.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 17.06% Starting borrower rate/APR: 18.06% / 20.27% Starting monthly payment: $206.24
 
Auction yield range: 17.06% - 17.06% Estimated loss impact: 35.44%  
Lender servicing fee: 1.00% Estimated return: -18.38%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Jan-1994 Debt/Income ratio: 32%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 11 / 9Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 54Length of status:7y 9m
Amount delinquent: $144 Revolving credit balance: $2,867 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 102%Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: loot-taxi Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debt
Purpose of loan:
This loan will be used to?
payoff a debt for my mother?who is unable to make good on it.
My financial situation:
I am a good candidate for this loan because? I am a hardworking individual how loves his mother and family.

Monthly net income: $ 3841.60

Monthly expenses: $
??Housing: $?575
??Insurance: $
??Car expenses: $ 511
??Utilities: $ 150
??Phone, cable, internet: $ 359
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $?300
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442462
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: May-1990 Debt/Income ratio: 15%
Credit score: 620-639 (Jan-2010) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 10Length of status:21y 0m
Amount delinquent: $134 Revolving credit balance: $442 Occupation: Retail Management
Public records last 12m / 10y: 0/ 5 Bankcard utilization: 68%Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Homeownership: No  
Inquiries last 6m: 2    
Screen name: Gladen 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: 36 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
520-539 (Nov-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Buying Home, needing help with clos
Purpose of loan:
Having gotten out of debt we are now ready to buy a suitable home for the family.?We have the good credit?for an FHA mortgage and have the downpayment.? We simply need to gain some additional funds for the closing costs.

My financial situation:
We are very stable, have no outstanding debts, and are paid current on all monies owed.? We have two vehicle loans, one of which will be paid off by the end of this month, the other in April.? I have been at the same job for over 20 years and make a good income.? We have some small disposable income, but want to take advantage of the low real estate market immediately.

Monthly net income: $ 3200

Monthly expenses: $
??Housing: $ 300
??Insurance: $ 144
??Car expenses: $ 240
??Utilities: $ 200
??Phone, cable, internet: $ 250
??Food, entertainment: $ 400
??Clothing, household expenses $ 80
??Credit cards and other loans: $ 50
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442466
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $148.58
 
Auction yield range: 11.06% - 29.00% Estimated loss impact: 10.73%  
Lender servicing fee: 1.00% Estimated return: 18.27%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Jun-1997 Debt/Income ratio: 19%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 7 / 7Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 20Length of status:2y 9m
Amount delinquent: $0 Revolving credit balance: $21,451 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: fair-dollar5 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
paying off credit cards
Purpose of loan:
This loan will be used to? Debt consolidation -- I will pay off one credit card and close the account.

My financial situation:
I am a good candidate for this loan because?I am going to use it to pay off?all but one credit card?and work toward establishing a better credit rating.? I have lived in my home for over 12 years.? My income is?less than?half of the total income for our household.? I pay?the household bills and my husband pays the mortgage, groceries and auto insurance.??Neither of us have a car loan.? I will accept the loan payable over 24 months.

MONTHLY NET INCOME:?
$3,500 (gross = $4,400)

MONTHLY EXPENSES:
Housing - $0
Insurance -?$0
Car expenses - $0
Utilities - $200 to $300
Phone, cable & internet - $200
Food/entertainment - $200
Credit cards & loans - $800
Clothing/household expenses - $200
Other expenses - $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442472
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.44% Starting borrower rate/APR: 27.44% / 29.78% Starting monthly payment: $102.65
 
Auction yield range: 11.06% - 26.44% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.78%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Oct-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Jan-2010) Current / open credit lines: 4 / 5Employment status:Self-employed
Now delinquent: 1 Total credit lines: 15Length of status:0y 3m
Amount delinquent: $286 Revolving credit balance: $6,023 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 16%Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: bold-cunning-dedication Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Plumbing
Purpose of loan:
This loan will be used to?To do plumbing work some pipes will have to be replaced.
My financial situation:
I am a good candidate for this loan because?I pay my debts and also my wife income is not figure into this.

Monthly net income: $
3000.00
Monthly expenses: $
??Housing: $ 475.00
??Insurance: $ 61.00
??Car expenses: $ 200.00
??Utilities: $ 150.00
??Phone, cable, internet: $130.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 150
??Credit cards and other loans: $225.00
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442474
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 24.85% Starting borrower rate/APR: 25.85% / 28.17% Starting monthly payment: $100.53
 
Auction yield range: 11.06% - 24.85% Estimated loss impact: 10.61%  
Lender servicing fee: 1.00% Estimated return: 14.24%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Dec-1991 Debt/Income ratio: 13%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:0y 5m
Amount delinquent: $0 Revolving credit balance: $8,759 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 71%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: cordial-integrity1 Borrower's state: Florida 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
New job, new outlook
Purpose of loan:
This loan will be used for debt consolidation.? I have started looking at the interest rate of my 3 credit cards and have realized that one is definitely worth paying off totally due to its high interest rate, one is debatable, and one is worth keeping.? I have realized that my credit card debt being too high will impact me buying a home at a later date, so I need to start now consolidating my debt.

My financial situation:
I am a good candidate for this loan because I am well-educated (LSU graduate - finance and MBA) and am working on my career advancement and personal development goals this year. (through taking more classes).? Hopefully, too, within the next two weeks, I will start my new job,?increasing my salary 10-20%.? Everything has cleared and I am only holding on my start date.

Monthly net income: $ 4,700, with new job about $6,000

Monthly expenses: $
??Housing: $ 820
??Insurance: $ 75
??Car expenses: $ car is paid off
??Utilities: $ 125
??Phone, cable, internet: $ 80
??Food, entertainment: $ 150
??Clothing, household expenses $ minimal
??Credit cards and other loans: $ 700 (includes credit card that wants to pay off)
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442484
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $96.80
 
Auction yield range: 8.06% - 9.00% Estimated loss impact: 6.68%  
Lender servicing fee: 1.00% Estimated return: 2.32%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Nov-1997 Debt/Income ratio: 8%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 4 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:12y 0m
Amount delinquent: $0 Revolving credit balance: $5,287 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 88%Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Homeownership: No  
Inquiries last 6m: 0    
Screen name: generator814 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 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: $
??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 442486
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $445.96
 
Auction yield range: 17.06% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 3 First credit line: Dec-1991 Debt/Income ratio: 28%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:5y 8m
Amount delinquent: $0 Revolving credit balance: $10,235 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 85%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: Zhongwen Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 34 ( 100% ) 740-759 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
680-699 (Feb-2007)
 
Principal balance: $190.26 1+ mo. late: 0 ( 0% )
Total payments billed: 34  
Description
Pay Off High Interest Credit Cards
My wife & I live simply in a three?bedroom home and have no children.? We have known each other for 27 years and have been married for 7.? We are active volunteers in our ministry.? We are just one payment away from finishing our first Prosper loan and have never missed a payment.? It has been a good experience.

I work as a?Project Manager for an?architectural firm.??This position requires?producing a set of working drawings for?the construction of a building.? This would?include everything from drafting, submitting to the?local jurisdiction and answering questions from the field.

My wife is working?as a bookkeeper for a property management company and my in-laws contribute toward living expenses.?

We?bought our first home 16 months ago.? We did this so that my wife's parents could move in with us.? In their later years they need an increasing amount of help.

Our credit card balances had been going down.? However, when we bought the house and did a number of repairs we had to start using our credit cards more.??For this reason along?with the credit card companies raising their interest rates we would like to consolidate these.? We would much rather pay you a fair rate than give the banks any more.Thank you for your consideration of our loan listing.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442494
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $23,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 11.06% Starting borrower rate/APR: 12.06% / 14.19% Starting monthly payment: $764.59
 
Auction yield range: 11.06% - 11.06% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.83%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: May-1986 Debt/Income ratio: 20%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 21 / 19Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 51Length of status:8y 1m
Amount delinquent: $0 Revolving credit balance: $123,221 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 87%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: commitment-pillow7 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 that have escalated to absurd APRs. I?will pay back the loan within 36 months maximum, if not before.??

My financial situation:
I am a good candidate for this loan because I have a steady job/income and an excellent credit history of paying off my credit on time, without delay, without hassles.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442496
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.06% - 27.40% Estimated loss impact: 10.68%  
Lender servicing fee: 1.00% Estimated return: 16.72%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Aug-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Jan-2010) Current / open credit lines: 2 / 1Employment status:Self-employed
Now delinquent: 2 Total credit lines: 8Length of status:6y 0m
Amount delinquent: $1,131 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: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: visionary-responsibility7 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
Bill Consolidation
Purpose of loan:
This loan will be used to? Catch back rent?missed due slow business in 2007-2008

My financial situation:
I am a good candidate for this loan because? we have pickd up new accounts and are busier now than in our entire six year history
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442498
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $483.13
 
Auction yield range: 17.06% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 2 First credit line: Jul-2005 Debt/Income ratio: 29%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 14 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:3y 0m
Amount delinquent: $0 Revolving credit balance: $1,890 Occupation: Chemist
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: golden-power6 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
Pay off credit cards
Purpose of loan:I want to pay off my credit cards and pay off my car loan (4000 total and 350/month ).?My financial situation:I am a good candidate for this loan because I have steady income , I am ready to make payments bi weekly ,through automatic payments, please help me.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442500
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.06% - 27.40% Estimated loss impact: 10.68%  
Lender servicing fee: 1.00% Estimated return: 16.72%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Dec-1995 Debt/Income ratio: 13%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 3 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 9Length of status:10y 5m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: a-honorable-payout 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
Ex Husband is a jerk
Purpose of loan:
This loan will be used to? to pay off the remainder of the bills I have not finished paying from my ex husband.?

My financial situation:
I am a good candidate for this loan because? I have a great and steady job.? Very little bills even with this consolidation loan.?? This is the final step in the strides I have already taken to finally reclaim my good credit and name that was hambered by poor decisions while married.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442506
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $111.49
 
Auction yield range: 17.06% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Aug-2005 Debt/Income ratio: Not calculated
Credit score: 640-659 (Jan-2010) Current / open credit lines: 3 / 3Employment status:Not employed
Now delinquent: 0 Total credit lines: 4Length of status:0y 6m
Amount delinquent: $0 Revolving credit balance: $1,184Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: neighborly-trade Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for a semester of college
Purpose of loan:
This loan will be used to pay for a semester of tuition, books and other educational expenses until my financial aid is approved in the summer.

My financial situation:
I am a good candidate for this loan because I have been unable to secure funds in order to further my educational goal of majoring Mechanical Engineering. Due to the requirements set forth by the federal government I was unable to receive the money I needed before the beginning of the semester. My parents had to file an extension on their taxes for 2009, and since their taxes determine my ability to receive pell grants or even government backed student loans through other financial institutions. Until my parents file their taxes in the coming months I am unable to obtain any form of financial assistance. I have tried other means of locating funds, but have been unsuccessful. I am in the process of applying for various scholarships, but would not receive any assistance until the next academic year. I am a very driven, motivated and goal oriented student. My educational and career goals are to attend the University of Maryland Baltimore County, earn a degree in Mechanical Engineering, work for the Department of Defense and eventually go on to work for a government contractor such as Boeing, Lockheed Martin, Northrop Grumman, GE, Rolls Royce, Pratt & Whitney or a number of other companies in the aerospace industry. Getting an education is my number one priority at the moment and would be eternally thankful to those of you willing to help me achieve my dreams.

Monthly net income: $ 0

Monthly expenses: $
??Housing: $ 0
??Insurance: $0
??Car expenses: $200
??Utilities: $ 0
??Phone, cable, internet: $83
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442510
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $78.80
 
Auction yield range: 4.06% - 7.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.29%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Jun-1998 Debt/Income ratio: 31%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:1y 3m
Amount delinquent: $0 Revolving credit balance: $480 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 6%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: dj44 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 14 ( 93% ) 780-799 (Latest)
Principal borrowed: $5,400.00< mo. late: 1 ( 7% )  
800-819 (Sep-2008)
 
Principal balance: $1,071.43 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
pay off taxes
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442518
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 14.06% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Nov-1993 Debt/Income ratio: 5%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 2 / 1Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 39Length of status:0y 0m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$75,000-$99,999
Delinquencies in last 7y: 46 Homeownership: No  
Inquiries last 6m: 0    
Screen name: magnetic-social4 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
buying a used car for new job
Purpose of loan:
This loan will be used to? purchase a used car for use at new job.?I was recently laid off from the pharmaceutical industry where they provided a car and have started a new job as an accountant.

My financial situation:
I am a good candidate for this loan because? I have a steady job in a field that will always be needed (doing taxes). I am single and have no other bills besides my rent and normal living expenses.

Monthly net income: $ 7083

Monthly expenses: $
??Housing: $ 1500????
??Insurance: $?175
??Car expenses: $ 0
??Utilities: $ 125
??Phone, cable, internet: $ 150
??Food, entertainment: $?600
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442528
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.59% Starting monthly payment: $56.57
 
Auction yield range: 8.06% - 20.08% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.11%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Jul-1995 Debt/Income ratio: 18%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 32Length of status:5y 11m
Amount delinquent: $0 Revolving credit balance: $14,625 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 94%Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: alluring-deal9 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
taxes
Purpose of loan:
This loan will be used to?
pay property taxes
My financial situation:
I am a good candidate for this loan because?
both of my cars will be payed off next month
Monthly net income: $
5500
Monthly expenses: $
??Housing: $ 400.00
??Insurance: $ 200.00
??Car expenses: $ 1100.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 300.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442534
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $929.09
 
Auction yield range: 17.06% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: Apr-2005 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Jan-2010) Current / open credit lines: 7 / 6Employment status:Self-employed
Now delinquent: 0 Total credit lines: 9Length of status:0y 7m
Amount delinquent: $0 Revolving credit balance: $7,668 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 26%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: money-fir4 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
Start a Yoga Studio
Purpose of loan:
This loan will be used for space set up for a new yoga studio in San Francisco. www.glowyogasf.com.? We are setting the first and long awaited studio on a the neighborhood with population over 20,000 people and average income lever over 100K. Yoga studios are thriving in San Francisco. All together start-up capital needed - 100K, the rest 75K will be financed by friends and family. Please contact for more information.

My financial situation:
I am a good candidate for this loan because yoga business is growing in this economy. Inc Magazine named yoga industry one of the best industries for starting a business right now.? I wish you health and success, greatfully
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442536
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.50% Starting borrower rate/APR: 9.50% / 9.84% Starting monthly payment: $800.82
 
Auction yield range: 3.06% - 8.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 7.00%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Jul-1993 Debt/Income ratio: 9%
Credit score: 800-819 (Jan-2010) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:15y 7m
Amount delinquent: $0 Revolving credit balance: $9,817 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 37%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: ecstatic-gain 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 the wedding
Purpose of loan:
This loan will be used to pay off credit card debt incurred to pay for my wedding. I'm just looking to finance the balance of outstanding debt at a more favorable rate.

My financial situation:
I am a good candidate for this loan because I'm a strategy and management consultant working for the Federal government (very stable and profitable). My source of income is extremely reliable.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442538
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Apr-2000 Debt/Income ratio: >1000%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 15 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 37Length of status:0y 9m
Amount delinquent: $0 Revolving credit balance: $5,335 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 50%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 4    
Screen name: prayzem 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 CC,Student Loan
I am so in need of this loan to pay off an extremely high interest credit cared and student loan. I am a woman of integrity and I do pay my bills on time. I?ve been paying on these bills for some time now and it seems, as I?m not getting any results. The balance only goes down about 10.00 a month. I just want to pay them off. If you can help me by any means I will appreciate it
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442540
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 3 First credit line: Dec-1998 Debt/Income ratio: 50%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 20Length of status:1y 6m
Amount delinquent: $5,406 Revolving credit balance: $4,210 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 77%Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: commitment-mad-scientist 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 loan, credit card
Purpose of loan:
This loan will be used to Pay off a smaller higher interest loan with Peoples Credit and an American Express credit card

My financial situation:
I am a good candidate for this loan because I am stable and have been in doing the same work for 33 years

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 400
??Insurance: $ 200
??Car expenses: $ 300
??Utilities: $ 90
??Phone, cable, internet: $ 32
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442546
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 2 First credit line: Nov-1991 Debt/Income ratio: 65%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 25 / 22Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 61Length of status:28y 9m
Amount delinquent: $0 Revolving credit balance: $17,959 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 42%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: unbeatable-penny8 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
Pay Off My Credit card
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 will pay in a timely matter as you find to be true based on how I have paid others in the past
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442552
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: 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: $294.03
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Oct-1999 Debt/Income ratio: 34%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:1y 9m
Amount delinquent: $0 Revolving credit balance: $9,883 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: principal-motion 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
Baby coming soon
Purpose of loan:
My purpose for the proceeds of this loan is help my wife and I get through the few months that she will be at home with the baby and out of work. She is a teacher and will be out of work unpaid for about 2 months. Not only with this loan get us through this exciting first few months but it will allow us to focus on the new family member rather than money during this time.

My financial situation:
I am a good candidate for this loan because I understand how important my obligations are. I do not miss payments on any bills and I am not behind on any debts. I do carry some credit card debt now and this is due to the fact that I was out of work for about 3 months in between my prior job and my current job. We are working dilligently to pay it down. I do have about $1000-1200 disposible income each month which would more than cover this small loan.

Monthly net income: $ 2400 salary with an average fo $200-700 incentive pay

Monthly expenses: $ (All of which are shared by my wife) income above is just mine
??Housing: $ 1667?(taxes and insurance included)???
??Insurance: $ 115 (auto insurance)
??Car expenses: $ 510 (2 cars)
??Utilities: $ 200
??Phone, cable, internet: $ 75
??Food, entertainment: $?100?
??Credit cards and other loans: $?500
??Other expenses: $ ---
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442554
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Jun-1992 Debt/Income ratio: 24%
Credit score: 620-639 (Jan-2010) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:4y 0m
Amount delinquent: $0 Revolving credit balance: $11,422 Occupation: Scientist
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 96%Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Homeownership: No  
Inquiries last 6m: 4    
Screen name: chemist 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 26 ( 100% ) 620-639 (Latest)
Principal borrowed: $6,500.00< mo. late: 0 ( 0% )  
560-579 (Nov-2007)
640-659 (Mar-2007)
660-679 (Nov-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 26  
Description
furniture loan
Purpose of loan:
I am trying to find financing to pay for furniture.? I?closed on a?$57500.00 home in Muscoda,?WI two weeks ago and?am awaiting?tax credit money in the amount of?$5750.00.?I would like to move in but will have to wait until I purchase furniture.? With the tax credit for the house, state and federal income tax refunds and an anticipated work bonus I will have adequate resourses? to pay back the loan but am anxious to move in the next week or so.My monthly expenses include the following:
????car payment $192.00 / month
????student loan?$76.00 / month
????Credit line through?AnchorBank $148.00 / month
House Payment /?$476.00
??? Credit cards $145.00 / month?
Total monthly expenses: $1037.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442556
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 30.00% Starting borrower rate/APR: 31.00% / 33.39% Starting monthly payment: $322.51
 
Auction yield range: 17.06% - 30.00% Estimated loss impact: 26.76%  
Lender servicing fee: 1.00% Estimated return: 3.24%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 3 First credit line: Apr-1999 Debt/Income ratio: Not calculated
Credit score: 600-619 (Jan-2010) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:1y 6m
Amount delinquent: $0 Revolving credit balance: $7,631 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: NicOCjoe 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 12 ( 100% ) 600-619 (Latest)
Principal borrowed: $4,975.00< mo. late: 0 ( 0% )  
620-639 (Dec-2009)
600-619 (Sep-2009)
600-619 (Feb-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 12  
Description
Revolving Accounts Pay-Off!
Thank you fellow investors.
I have decided to re-list to better answer ALL your questions so you can bid with confidence!
I assure you. The loan will be repaid, and on-time. Please consider lowering the interest rate. I find great assistance, you reap the benefits!

Purpose of loan:
For the Complete Pay-off of Revolving credit balance and non-use (as opposed to closure) of 4 credit card accounts ~ See Above Credit Profile.

Job Title & Description:
Controller / Sr. Accountant
Private Commercial Real Estate Investment Fund (10-yr LLC)

$4,600.00/Gross ~ $3,500.00/Net Income
$1,900.00 Monthly Expenses

$1,000.00 Housing: Studio Apartment at http://www.FlamingoSouthBeach.com/
$15.00 Life Insurance
$25.00 Utilities: Electricity Only, A/C, Water, Trash included
$0.00 Car Expenses: Live at 15th St and Bay Road, 4 Blocks from Work: Lincoln Road and Alton Road, Miami Beach, FL 33139
$55.00 Cell Phone
$400.00 Food Groceries
$50.00 David Barton Gym On-Site
$130.00 Credit Card 1: CITI
$119.00 Credit Card 2: CITI
$ 76.00 Credit Card 3: Chase
$ 30.00 Credit Card 4: Discover

PREVIOUS PROSPER LOAN & CREDIT PROFILE ~ Then and Now
Credit Score 600-619 (Feb-2008) to 620-639 (Dec-2009) and now back to 600-619 (Jan-2010) ~ Prosper has continued to pull my credit report
Credit Grade: D to HR~See Below
Revolving Credit Balance: $9,481 to $7,631 ~ DECREASE
Bankcard Utilization:65% to 98%^ ~ See Below
Prosper Loan: $4,975.00 @ 22.22% ~PAID OFF IN 12 Timely Payments!!
$7,500 Start Bid @ 31% and Expect to Pay Off in <30 months!.

~ WHY A DECREASE in Credit Grade if score Increased?
My Current Experian PLUS Score is 702! (Unfortunately, Prosper doesn't purchase PLUS Scores)
Please Don't judge me as a Sub-Prime High Risk Borrower; I have NO DEFAULTS, NO INQUIRIES, NO PUBLIC RECORDS)

^ Due to CITI and Chase Bank Difficulties,
They have all decreased my Credit Limits to $100 Over Balances which is why I am hoping to PAY OFF with this Prosper Loan.
They have affected everyone's credit score because of this.

Other Facts: Study Abroad Accomplished after the departure of working for the Los Angeles Unified School District,
and prior to accepting the Job, Relocation Package and Sign-On Bonuses of present company in Miami Beach, Florida.
Paid-Off Two High Interest Cards Accomplished and repaid my prosper loan in 12 months.
Past and Future Prosper Investor.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442560
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 3 First credit line: Feb-1994 Debt/Income ratio: 22%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 20Length of status:5y 0m
Amount delinquent: $47 Revolving credit balance: $1,492 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 18%Stated income:$50,000-$74,999
Delinquencies in last 7y: 13 Homeownership: No  
Inquiries last 6m: 2    
Screen name: unassuming-principal 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
Debt consolidation
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442562
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.40% Starting borrower rate/APR: 9.40% / 11.50% Starting monthly payment: $463.80
 
Auction yield range: 4.06% - 8.40% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.28%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Jul-1992 Debt/Income ratio: 24%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 14 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 30Length of status:3y 10m
Amount delinquent: $0 Revolving credit balance: $15,433 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 22%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: njbiker 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 12 ( 100% ) 780-799 (Latest)
Principal borrowed: $1,200.00< mo. late: 0 ( 0% )  
760-779 (Dec-2009)
800-819 (Dec-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 12  
Description
Debt Consolidation
Purpose of loan:
My credit card companies have decided to raise my interest rates for no good reason other that to do it before the new credit card legislation takes effect.? Because of this I have decided to apply for this loan to pay them off and be done with them.? I would love to cancel the cards and opt-out of their interest rate hikes, but as I've had these cards for a number of years doing so would negatively impact my credit score. As a previous lender on prosper(cannot lend in NJ anymore) I know how it feels to have a borrower default, so rest assure I will pay back this debt as I do all my debts.

My financial situation:
I have always paid my debts on time and my credit?history shows this.? I think my credit score took a bit of a hit as we did some home improvements and racked up some debt.? With all the work done it is now time to clean up this debt.? I have been paying off the credit cards, but with the interest rate going up its making it harder to do so.? With this loan I will lower?my interest rate and have a timeline of when it will be paid off.


My financial situation: I put in real numbers here. I love the family of 4 that spends $150 on groceries a month?

Monthly take home:? $5425+2153(wife's income)=7578

Mortgage+taxes+homeowners insurance:? 2850
Car payments:??733
Car insurance :180
cable/internet:?? 115
phone:? 35
cell phone: 16 really (pay as you go for wife, mine paid by my work)
electric: 150
heating oil:? 200
life insurance: 150
0% interest loan: 152 (19 months left until paid off)
food/household expenses:? 1000
entertainment/other: 600
savings: 525

total: $6706.00

The remaining $872 goes to the credit cards(I always try to pay double the minimum payment).? With this loan I will wipe out about $600 of the credit card payments.?(The remaining credit cards are low interest so I will continue to pay those off.)? I also have $525 going into a savings account which I could tap if need be.

Thanks for taking the time to look at my listing.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442564
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $90.47
 
Auction yield range: 14.06% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Jul-1999 Debt/Income ratio: Not calculated
Credit score: 680-699 (Jan-2010) Current / open credit lines: 1 / 1Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 6Length of status:3y 5m
Amount delinquent: $5,022 Revolving credit balance: $2,117 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 16%Stated income:$1-$24,999
Delinquencies in last 7y: 7 Homeownership: No  
Inquiries last 6m: 1    
Screen name: bold-ready-dedication 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
20 year old buys first house!
Purpose of loan:
This loan will be used to help me finish construction on the hosue I just bought. I bought it for $45,000 and I need some help finishing. I only need to do some painting, some sheetrock work, and basically buy some furniture and at least a fridge. I also don't have any heat in the house and the water heater is extremely outdated. I also owe my mom some money that I'd like to give back.


My financial situation:
I am a good candidate for this loan because I am working extremely hard at a very young age to secure myself a safe financial future. I'm only 20 and I just bought a house. I just got out of some pretty bad credit card debt that's why my credit is as low as it is but I'm worked hard and got it all paid off. I don't owe anyone any money except for the money for the house but I bought it so cheap that it's not bad debt at all. I work full time as a manager at a storage warehouse where I don't get paid a lot but my main focus right now is finishing my house so that's why I'm a good candidate.

Monthly net income: $ 2200

Monthly expenses: $
??Housing: $ 350
??Insurance: $ 50
??Car expenses: $ 200
??Utilities: $ 50
??Phone, cable, internet: $ 50
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442566
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $102.60
 
Auction yield range: 14.06% - 26.40% Estimated loss impact: 15.90%  
Lender servicing fee: 1.00% Estimated return: 10.50%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Dec-1993 Debt/Income ratio: 11%
Credit score: 620-639 (Jan-2010) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:3y 3m
Amount delinquent: $0 Revolving credit balance: $4,317 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 86%Stated income:$50,000-$74,999
Delinquencies in last 7y: 12 Homeownership: No  
Inquiries last 6m: 1    
Screen name: rwo Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 53% ) 620-639 (Latest)
Principal borrowed: $5,000.00< mo. late: 9 ( 47% )  
640-659 (Dec-2009)
600-619 (May-2008)
 
Principal balance: $2,769.12 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Automobile expenses/consolidation
Purpose of loan:
This loan will be used to??Invest in repairs and maintenance on my vehicle in order to avoid having to purchase a new car and consolidate a few debts.? I do not wish to have a car payment at this time.??My husband and I are more stable than we were when I initiated my original Propser loan, which is in good standing, and we continue to move forward.? Many obligations we had in 2005 have been retired, although we do have some credit card debt that I would like to retire. AN IMPORTANT NOTE:? My existing Propser loan has a few late payments?reported, and I would like to explain that.? I get paid once a month on the last business day of the month, and often my due date is generally one day, sometimes two days prior to my payment coming out.? In all instances the payment was made immediately the next day, so any late payments in reality are only one or two days late, and the fee is always included.

My financial situation:
I am a good candidate for this loan because? I am committed to and have been improving our financial situation.? I am an established Prosper customer and I have a very stable job.? I have worked in my chosen field for 14 years now, eight years with my previous employer and six years? with my current employer.?? In addition, ?I have significant earning capability above and beyond my monthly salary by way of billable fees for my services.? This is 1099 income generated on my own and relates to my position within the judicial system.?

Monthly net income: $ 4900

Monthly expenses: $
??Housing: $ 1275
??Insurance: $ 350
??Car expenses: $?0
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $?300
??Credit cards and other loans: $?300
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442568
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.06% - 27.40% Estimated loss impact: 10.68%  
Lender servicing fee: 1.00% Estimated return: 16.72%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Nov-1977 Debt/Income ratio: 32%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 17 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:8y 6m
Amount delinquent: $0 Revolving credit balance: $40,534 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: encouraging-contract3 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
wood flooring
Purpose of loan:
This loan will be used to? put wood flooring in home

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

Monthly net income: $ 7083

Monthly expenses: $
??Housing: $ 1529
??Insurance: $ 121
??Car expenses: $ 100
??Utilities: $ 300
??Phone, cable, internet: $ 200
??Food, entertainment: $?100
??Clothing, household expenses $ 100
??Credit cards and other loans: $?1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442570
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 14.05% Starting borrower rate/APR: 15.05% / 17.22% Starting monthly payment: $260.17
 
Auction yield range: 6.06% - 14.05% Estimated loss impact: 5.24%  
Lender servicing fee: 1.00% Estimated return: 8.81%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Sep-2001 Debt/Income ratio: 21%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 13 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:3y 5m
Amount delinquent: $0 Revolving credit balance: $6,776 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 25%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: wealth-mover646 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
Consolidate Loans
Purpose of loan:
This loan will be used to consolidate my student loans and credit card debt into one easy?payment.?

My financial situation:
I am a good candidate for this loan because I have a very stable job history and have never missed a payment. I plan to pay this back quickly.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442572
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 3 First credit line: Apr-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Jan-2010) Current / open credit lines: 21 / 18Employment status:Self-employed
Now delinquent: 0 Total credit lines: 46Length of status:5y 5m
Amount delinquent: $0 Revolving credit balance: $88,137 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: exciting-payment5 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
pay mortgage
Purpose of loan:
This loan will be used to?pay mortgage

My financial situation:In 30 days I will be receiving 10,000 from a divorce settlement.
I am a good candidate for this loan because?I have a exceptional history of paying my bills

Monthly net income: $ 4000.00

Monthly expenses: $
??Housing: $1440
??Insurance: $180
??Car expenses: $100
??Utilities: $200
??Phone, cable, internet: $300
??Food, entertainment: $600
??Clothing, household expenses $0
??Credit cards and other loans: $1600
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442576
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 22.70% Starting borrower rate/APR: 23.70% / 25.99% Starting monthly payment: $195.38
 
Auction yield range: 8.06% - 22.70% Estimated loss impact: 8.54%  
Lender servicing fee: 1.00% Estimated return: 14.16%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Feb-1991 Debt/Income ratio: 5%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 6 / 1Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 41Length of status:1y 0m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Nurse (RN)
Public records last 12m / 10y: 1/ 1 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 1    
Screen name: enterprising-contract7 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off other expenses
Purpose of loan:
This loan will be used to? pay off medical bills, daughter's tuition, buy a car

My financial situation: Unfortunately I had to file for bankruptcy and it was dicharged in Nov 2009. I tried branching out of nursing to do my own holistic business which I had to close last summer. Due to the expense of running that and raising 2 children as a single mother for the past 17 years, I had an accumulation of debt. Also in Mid Nov of 2009 I had to have a total knee replacement at which time I was out of work for 2 months. I have been working as a Registered nurse for 30 years before I tried my own business.?I did get a job as a Registered nurse last Jan. and have just returned back to work after my knee surgery. I have acquired some unexpected hospital bills, my daughter's college tuition is due Jan 20th, and my car was reposessed during my bankruptcy, and I really need a car. I did not?want to get into a debt situation again, however, I am pleading with you to please help me out with this loan for now. The reason I am requesting this is because several years back I loaned a friend a large amount of money. He?is overseas making it back as I write this. I should be paid back with in six months time and will be able to pay back this loan before three years. Just so you know, with the bankruptcy, I requested a loan modifcation with my mortgage company? two months ago, so I have not paid my mortgage.I was told they could include the payments in with the new??loan. I have not heard from them about the loan mod yet. My mortgage payment was $1952 /month which included?home owners insurance and?property taxes.. I have always been a respected, responsible professional and would never have guessed I would be in this financial position right now. I am sincerely asking for your assistance with this loan. it would keep me a float for the present time. Thank you!
I
Unfortunately I Monthly net income: $ 5200

Monthly expenses: $
??Housing: mortgage:$ 1952.00
??Insurance: $?home-included in mortgage, health-included in paycheck??Car expenses: $157 for 2 kid's cars??Utilities: $?350
??Phone, cable, internet: $ 230
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442580
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Jul-1998 Debt/Income ratio: 30%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:1y 5m
Amount delinquent: $0 Revolving credit balance: $1,419 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 79%Stated income:$25,000-$49,999
Delinquencies in last 7y: 36 Homeownership: No  
Inquiries last 6m: 1    
Screen name: penny-balance 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
connsolidating high intrest loans
Purpose of loan:
This loan will be used to? Consolidate?high interest loans into one monthly payment?

My financial situation:
I am a good candidate for this loan because? I have a great job.? I am a physical Education/Health teacher making 36,000 a year.? I just need help putting credit cards and school loans into one lump some so I am not paying high interest on all of them. It just seems that credit card companies are jacking up everyones interest rate, and I want to pay them off before I get to a point where I am paying more on interest then on the principle.? I will be able to pay 300 + a month to pay down the loan.? Please help

Monthly net income: $?2000?

Monthly expenses: $
??Housing: $?200
??Insurance: $ 100
??Car expenses: $ 300
??Utilities: $ 0?
??Phone, cable, internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $??300
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442584
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: May-2008 Debt/Income ratio: 23%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 2Length of status:3y 4m
Amount delinquent: $0 Revolving credit balance: $18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 2%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: lawdegree 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
Insulin Pump System for 6 year old
Purpose of loan:
This loan will be used to purchase a OneTouch Ping insulin pump for my 6 year old diabetic daughter.? This system is not covered by our insurance.? OneTouch Ping frees you from multiple daily injections and give you the ability to quickly and easily adjust your insulin based on your body's immediate needs.? The pump is packed with unique capabilities that may be accessed both wirelessly (by using the meter-remote) and manually.? And the meter-remote, with its full set of functions, is designed to make life with diabetes easier and more discreet.

My financial situation:
I am a good candidate for this loan because I have little debt and an excellent job.

Monthly net income: $5,300

Monthly expenses: $
??Housing: $ 500
??Insurance: $ 125
??Car expenses: $ 577
??Utilities: $ 225
??Phone, cable, internet: $ 90
??Food, entertainment: $ 550
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 18
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442606
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 6.00% Starting borrower rate/APR: 7.00% / 9.07% Starting monthly payment: $154.39
 
Auction yield range: 4.06% - 6.00% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 3.89%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Jul-1989 Debt/Income ratio: 22%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 13 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 54Length of status:14y 2m
Amount delinquent: $0 Revolving credit balance: $35,915 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 39%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 4    
Screen name: thoughtful-wealth1 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
pay off medical bills
Purpose of loan:
This loan will be used to?
payoff medical bills
My financial situation:
I need to pay off medical bills after having surgery, i am returning to work jan 18th and have a good job.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442612
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.06% - 30.24% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.48%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Oct-2000 Debt/Income ratio: 51%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:2y 6m
Amount delinquent: $0 Revolving credit balance: $7,507 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 75%Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Homeownership: No  
Inquiries last 6m: 0    
Screen name: economy-hero5 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit cards
Purpose of loan:
This loan will be used to consolidate some bills.

My financial situation:
I am a good candidate for this loan because I am in the process of repairing my credit. I have a position where my housing, food, and utilities are paid for and will only have a car payment, student loans, and insurance outside of this loan.

Monthly net income: $2300

Monthly expenses: $
??Housing: $
??Insurance: $102
??Car expenses: $445
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $100
??Clothing, household expenses $0
??Credit cards and other loans: $400
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442644
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Apr-1988 Debt/Income ratio: 70%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 18 / 16Employment status:Retired
Now delinquent: 2 Total credit lines: 58Length of status:1y 10m
Amount delinquent: $3,365 Revolving credit balance: $18,249Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 91% 
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: penny-mirth Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit and school
Purpose of loan:
This loan will be used to? pay off credit cards and pay for my grandson to go to school.

My financial situation:
I am a good candidate for this loan because? I have a pension monthly, and I have a job with Koh's where I'm paid weekly. I took this job in October to help me pay off my credit cards .I'm trying to get my grandson in school. I'm raising three grand children there mother was killed 2007, and I didn't want the state to keep them. With the help of the Lord we have made it this far.

Monthly net income: $ 3644.53

Monthly expenses: $
??Housing: $ 1050.00
??Insurance: $ 360.00
??Car expenses: $
??Utilities: $ 350.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 600.00
??Clothing, household expenses $
??Credit cards and other loans: $ 800.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442656
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Jun-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Jan-2010) Current / open credit lines: 1 / 1Employment status:Self-employed
Now delinquent: 0 Total credit lines: 2Length of status:14y 3m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: gain-chime Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
consolidating loans
Purpose of loan:
This loan will be used to? help buy christmas as well as help with some of my bills

My financial situation:
I am a good candidate for this loan because? I always pay my payments on time and I have a concrete sorce of income

Monthly net income: $ 1240.00

Monthly expenses: $
??Housing: $ 00.00
??Insurance: $ 000.00
??Car expenses: $?00.00
??Utilities: $ 00.00
??Phone, cable, internet: $?00.00
??Food, entertainment: $?00.00
??Clothing, household expenses $ 000.00
??Credit cards and other loans: $ 00.00
??Other expenses: $ 00.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442668
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 6.50% Starting borrower rate/APR: 7.50% / 7.84% Starting monthly payment: $186.64
 
Auction yield range: 3.06% - 6.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.00%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Oct-1992 Debt/Income ratio: 30%
Credit score: 800-819 (Jan-2010) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 29Length of status:19y 11m
Amount delinquent: $0 Revolving credit balance: $6,017 Occupation: Other
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: 0    
Screen name: fund-advocator7 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off 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.