Listing Report:Supplement No. 171 dated Feb 17, 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 420271
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 15.00% Starting borrower rate/APR: 16.00% / 18.18% Starting monthly payment: $421.88
 
Auction yield range: 11.05% - 15.00% Estimated loss impact: 10.34%  
Lender servicing fee: 1.00% Estimated return: 4.66%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1997 Debt/Income ratio: 20%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 8Length of status:2y 9m
Credit score: 700-719 (Feb-2010) Total credit lines: 11 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $54,504Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 60%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: listing-forte 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
consolidation
Purpose of loan:
This loan will be used to consolidate my current credit cards.

My financial situation:
I am a good candidate for this loan because I have a steady and secure job (my father owns the company) and have always been current with my credit card bills and have never defaulted or filed for bankruptcy. Further, I have a financially strong guarantor. Also, please note that my profile statistics show that my current revolving balance is $54,000, however, my personal debt is $12,000 which is the amount I am requesting, the? remaining $42,200 is a credit card that my father owns which lists me as a user but he is responsible for paying, which he does. Its a family card. I hope my revolving balance does not worry you. Feel free to address any issues with me.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446609
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $557.45
 
Auction yield range: 17.05% - 19.00% Estimated loss impact: 35.56%  
Lender servicing fee: 1.00% Estimated return: -16.56%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 8 / 9Length of status:1y 6m
Credit score: 660-679 (Feb-2010) Total credit lines: 23 Occupation: Other
Now delinquent: 1 Revolving credit balance: $19,439Stated income:$50,000-$74,999
Amount delinquent: $504 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Rpods 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
ESTAB. AUTO REPAIR CENTER CAPITAL
Purpose of loan:

This loan will be used to provide capital injection to my business for inventory purchase. Due to recent growth the company has had to tap into its reserves and created a stagnant cash flow situation. My goal with this loan is to purchase approximately $10,000.00 in inventory and keep $5,000.00 in reserves. By taking this step I will be able to increase?cash flow immediately while we move into our busy season and begin rebuilding reserves for next winter. This loan will be paid off in 18-24 months.

My financial situation:I am the owner/operator of a medium sized, 15 year old auto repair and vehicle accessory center. I am a good candidate for this loan because I am an extremely hard working entrepreneur with a well established business. My goals are clear and I have a very good handle on where I am going tomorrow. The current economic condition has proven good for the auto repair industry as consumers have chosen to repair as opposed to replace their vehicles. The business is rapidly growing with current sales forecast at $680,000.00. The Business operates with a profit margin of %48 and fixed annual expense below industry standard at $240,000.00 including owners? salary. I recently expanded, purchased a neighboring business, and purchased the building my business occupies and have plans for further growth. I believe that a good business plan is everything, without it you are just throwing darts.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446757
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 21.07% Starting borrower rate/APR: 22.07% / 24.33% Starting monthly payment: $305.81
 
Auction yield range: 8.05% - 21.07% Estimated loss impact: 7.00%  
Lender servicing fee: 1.00% Estimated return: 14.07%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.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.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1991 Debt/Income ratio: 65%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 21 / 20Length of status:15y 6m
Credit score: 660-679 (Jan-2010) Total credit lines: 38 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $45,021Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 61%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: mongoose9 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay Dell - Zero Delinquencies
Purpose of loan:
The purpose of this loan is to consolidate two of my highest-rated credit card accounts into a more manageable payment plan. The two accounts are Dell Financial $2500 @ 22.24% and Capital One which is $10000 @ 24.25%.?Although the amount requested will not be enough to pay?all of the Capital One, the remaining balance will be paid with our income tax refund.?

My financial situation:
I am a good candidate for this loan because I am a teacher and have a very steady income. I've been teaching kindergarten for 16 years now. My husband has a good job and has been with the same company for 20 years as an industrial plumber. He makes around $49,000 a year. He has never had a credit card and has no open loans. We have a small farm that is worth $125,000. It has been completely paid for 4 years now.? I have zero delinquencies and pay our bills on time each month.??

Monthly net income: $ 2750??

Monthly expenses:
$ 2000?Total
??? 340 Car Payment??????
????100 Phone
????400 Groceries?????
?? ?410 Dell & Capital One?????
??? 250 Utilities?????
??? 500 Insurance????

Currently, I?m paying around $410 a month on the Dell and Capital One accounts. This Prosper loan would reduce my payment of almost $100. The difference in these payments would help us out tremendously by giving us a cushion each month for unexpected expenses.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446769
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.05% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-2002 Debt/Income ratio: Not calculated
Basic (1-10): 2 Inquiries last 6m: 2Employment status:Part-time employee
Enhanced (1-5):1 Current / open credit lines: 0 / 0Length of status:3y 1m
Credit score: 660-679 (Feb-2010) Total credit lines: 2 Occupation: Social Worker
Now delinquent: 0 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: thunder310 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
Groceries, getting back on my feet,
Purpose of loan:
The purpose of the loan is to buy food and have it to get back on my feet maybe get me a cheap car. I recently moved to San Antonio, Tx with no vechle and little bit of cash. I'm currently looking for a job and trying to do whatever it takes to survive.

My financial situation:
I have?very little money,?what is typed above sums up my financial situation.?

Monthly net income: $ 200

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $ 40
??Phone, cable, internet: $25?
??Food, entertainment: $ 50
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ 40
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446781
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,700.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.39% Starting borrower rate/APR: 10.39% / 12.50% Starting monthly payment: $282.32
 
Auction yield range: 4.05% - 9.39% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1995 Debt/Income ratio: 7%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 5Length of status:1y 6m
Credit score: 760-779 (Feb-2010) Total credit lines: 23 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $1,524Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 14%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: upbeat-payout6 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
Buying a car to move home from NYC
So here's my story...I was born and raised in Montana and moved to New York City 3 years ago as a travel nurse where I met the love of my life and got married. Keeping a car in the city is more trouble than it's worth so I sold my car and have used public transportation since then. Now were are getting ready to move back to MT and need a car. I'm pretty frugal so have no interest in throwing away my hard-earned cash on a new car. I found a 2003 Volkswagon Jetta diesel but my bank won't lend the money because the car has too many miles (158,000). The car's engine was completely rebuilt 3,000 miles ago-I saw the receipts totaling $5,000, and these diesel cars easily last 250,000 miles. Of course the bank doesn't take any of this into consideration, they just go by predetermined policies and numbers. I'm hoping that my peers on the net will use more common sense than my bank and help us get home. I have a good credit score and have never even come close to defaulting on a loan, in fact have always paid them off way early. I'm a Registered Nurse so will have no problem finding a job in MT, my wife is an architect so when she finds a job it will also be good. We would easily qualify for a new car, but like I said, I'm too cheap to go that route. Thanks for reading and hope to hear from you soon.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446787
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 36.00% / 38.47% Starting monthly payment: $586.29
 
Auction yield range: 17.05% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1999 Debt/Income ratio: 18%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 1 / 1Length of status:6y 10m
Credit score: 640-659 (Feb-2010) Total credit lines: 17 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $35Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 11%  
Public records last 12m / 10y: 1/ 1 Homeownership: No  
Delinquencies in last 7y: 26    
Screen name: bold-basis-radio 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
Buying a reliable car for my family
Purpose of loan:
This loan will be used to buy the vehicle I am currently leasing.? After doing some research in the search for a reliable vehicle for my family, this is the best and most affordable option I currently have.

My financial situation:
I am a good candidate for this loan because I have a steady and reliable income.? I've been with the company I work for for almost 7 years, and intend to stay employed there for years to come.

Monthly net income: $ 2068

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 130
??Car expenses: $ depends... right now?$434
??Utilities: $ 110
??Phone, cable, internet: $ 20
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 40
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446799
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $17,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 31.33% Starting borrower rate/APR: 32.33% / 34.74% Starting monthly payment: $743.54
 
Auction yield range: 11.05% - 31.33% Estimated loss impact: 10.79%  
Lender servicing fee: 1.00% Estimated return: 20.54%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.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.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1996 Debt/Income ratio: 58%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 10Length of status:4y 9m
Credit score: 740-759 (Feb-2010) Total credit lines: 23 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $18,162Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 55%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: brightest-gain-metronome Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to? pay offf credit cards

My financial situation:
I am a good candidate for this loan because? I always pay my bills
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446805
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.05% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1999 Debt/Income ratio: 21%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 7Length of status:1y 9m
Credit score: 740-759 (Feb-2010) Total credit lines: 21 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $4,010Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 24%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: openness-tiger 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 house
Purpose of loan:
I am separated and jointly own a house with my ex. We have reached an agreement where she'll assume complete financial responsibility of the house, if I pay her $25,000.00. Current mortgage/escrow payment: $1,941.02, plus utilities.

My financial situation:
Due to my IT consulting job, I heavily use my credit cards for travel and expenses. I average spending $6,000 to $8,000 per month, which is fully reimbursed by my employer. I have responsibly managed this revolving credit for close to two years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446811
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,600.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.02% Starting borrower rate/APR: 10.02% / 12.13% Starting monthly payment: $180.75
 
Auction yield range: 4.05% - 9.02% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.90%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1997 Debt/Income ratio: 27%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 10 / 10Length of status:5y 5m
Credit score: 720-739 (Feb-2010) Total credit lines: 22 Occupation: Other
Now delinquent: 0 Revolving credit balance: $123,206Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: fairness-producer Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Eliminating High Interest Debt
Purpose of loan:
This loan will be used to consolidate credit card debt and obtain more favorable interest rates.

My financial situation:
I am a good candidate for this loan because I am very responsible with solid employment. I work in trade compliance and logistics for a leading manufacturing company. I'm not sure if I am supposed to mention its name so I won't, but we are a fortune 500 company and we blew the doors off last quarter's earnings!
My wife and I have absolutely no delinquencies and we take a pro-active approach to managing our finances. We use a detailed spreadsheet to track every dollar spent and prepare for every bill, extended out to the end of 2011. We are currently paying down our debt, which we've built up in the passed 2 years with expenses related to our wedding and my wife's immigration?(The process is complete and she now has her work permit and is seeking to enter the workforce. Any income she produces will be extra cash). We pay extra on every single bill and we will continue to do so, but every month I hate seeing how much money is going to interest rather than to equity. And of course the credit card companies want to raise their rates before the new government regulations hit them...?even though?I have never been late to pay them! This loan will be used 100% for credit card debt (aside from the Prosper fee). Not a single penny of new debt will be created. My current balances are as follows:
$7K @ 23%
$7K @ 19%
$10K @15%
Since being unable to get a large enough loan funded through Prosper to consolidate all of this debt, I am attempting to get it "in pieces", so I can incrementally bring down the principal amounts and perhaps at a later date get a larger loan funded to pay off and consolidate all remaining credit card debt. This current request combined with my tax return (estimating $2K) will be used to pay off the card @ 23%.

I believe the revolving credit amount on my listing is due to the fact that my mortgage is split with a HELOC with about $97K remaining. After the financial crisis, the bank that owns this account does not permit withdrawals.

Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446817
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 8.00% Starting borrower rate/APR: 9.00% / 9.34% Starting monthly payment: $159.00
 
Auction yield range: 3.05% - 8.00% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 7.40%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1997 Debt/Income ratio: 17%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:5y 6m
Credit score: 800-819 (Feb-2010) Total credit lines: 25 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $12,904Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: sigep311 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off a New HVAC System...
Purpose of loan:
Thank you for taking the time to look at my listing. This loan will be used to pay off the remaining balance of a home improvement loan we took out to replace our HVAC system last year. We planned to use our tax return to pay off the balance due, but we just found out the tax return is not going to cover the full amount.

My financial situation:
Both my wife and I are employed full-time and have held our jobs for over 5 years with the same employer. We pay all of our bills on-time and online. I have been a lender on Prosper so I understand the importance of paying off a Prosper loan to keep the lending community stable and safe. Our Mortgage is a FIXED rate, so our financial future is stable. We have enough disposable income to make the payments on the loan and I would rather give the interest payments to the Prosper Community since I have had great luck lending to others.

Thank you and good luck bidding!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446847
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.39% Starting borrower rate/APR: 27.39% / 29.73% Starting monthly payment: $164.14
 
Auction yield range: 11.05% - 26.39% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1983 Debt/Income ratio: Not calculated
Basic (1-10): 7 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 16 / 12Length of status:16y 11m
Credit score: 720-739 (Feb-2010) Total credit lines: 31 Occupation: Laborer
Now delinquent: 0 Revolving credit balance: $206Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: bountiful-interest2 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Updating my Kitchen
Purpose of loan:
This loan will be used to update my kitchen so that I can enjoy home cooked meals from my wife... She has been asking me for years to update the kitchen and now that we have freed up some money I would like to make her happy and update her favorite area of the house. ?

My financial situation:
I am a good candidate for this loan because my credit is excellent and I have never missed or been late for any of my loan or credit card payments ever. I have been at my job for almost 17 years and have no plans on going anywhere anytime soon. I make about 45000 dollars per year, and I am a home owner.?I have some credit cards but the balances?on them are not high at all. One in particular is ised for my job which I pay off every month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446853
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $183.28
 
Auction yield range: 17.05% - 18.00% Estimated loss impact: 19.00%  
Lender servicing fee: 1.00% Estimated return: -1.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1997 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 8Length of status:9y 6m
Credit score: 660-679 (Feb-2010) Total credit lines: 11 Occupation: Other
Now delinquent: 0 Revolving credit balance: $15,326Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: friendly-bonus0 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
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?

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 446859
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.05% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1979 Debt/Income ratio: 60%
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 7Length of status:23y 5m
Credit score: 680-699 (Feb-2010) Total credit lines: 36 Occupation: Clerical
Now delinquent: 1 Revolving credit balance: $15,900Stated income:$25,000-$49,999
Amount delinquent: $1,225 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 22    
Screen name: rgrbruce 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 of Credit Cards
Purpose of loan:
This loan will be used to pay down on my credit cards

My financial situation:
I am a good candidate for this loan because I am?EXREMELY determined to get debt free!? I have taken a second job teaching Sunday school to help pay off our?debts.? My husband takes care of all our expenses and my income goes only to paying off debt.?

Monthly net income: $ 2250

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 1240
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446865
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $17,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 9.49% Starting borrower rate/APR: 10.49% / 10.84% Starting monthly payment: $552.46
 
Auction yield range: 3.05% - 9.49% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1988 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 18 / 17Length of status:10y 10m
Credit score: 840-859 (Feb-2010) Total credit lines: 47 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $22,857Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 30%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: barbie1955 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 off my credit cards
Purpose of loan:
This loan will be used to pay down my credit card debt and eventually paying my way out of debt.? My current goals include getting away from using credit cards for purchases and only make purchases with my debit card or cash so that I am not forced to conform to the current and upcoming changes being made in the consumer credit laws. As we know, credit card companies are forcing the consumer into paying more every month and it would only be a financially sound decision to began a plan to move away from this.? Ultimately this loan will allow me to start a new beginning in jump starting my goal of getting out of debt while using financially sound decisions. I will appreciate your consideration and hope to get your decision shortly.

My financial situation:
I am a good candidate for this loan because I have a very stable and secure history within my employment as well as credit.? I have a great income from several sources to include dividends from my husband's business as I am listed as the co-owner; I own mineral royalties from a family inheritance, as well as a full-time job with The Office of the District Attorney where I have been employed for the last 11 years.? My husband has owned his business for approximately 25 years now.? I do understand I am not to include his income as a repayment source but as I have stated I receive dividends from this business as income.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446871
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.05% Starting borrower rate/APR: 18.05% / 20.26% Starting monthly payment: $723.55
 
Auction yield range: 17.05% - 17.05% Estimated loss impact: 35.44%  
Lender servicing fee: 1.00% Estimated return: -18.39%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1998 Debt/Income ratio: 48%
Basic (1-10): 1 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 10Length of status:11y 6m
Credit score: 660-679 (Feb-2010) Total credit lines: 29 Occupation: Military Enlisted
Now delinquent: 1 Revolving credit balance: $17,858Stated income:$50,000-$74,999
Amount delinquent: $11,246 Bankcard utilization: 83%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: punctual-duty772 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
high interest student loans and CCs
Purpose of loan:
This loan will be used to?
Pay off high interest student loans and credit card debt we inccured while my wife was in school. She has since graduated and is now an RN.
My financial situation:
I am a good candidate for this loan because? I have a very steady income and haven't been late on any bills in 5 years or more.

Monthly net income: $ 6200
Monthly expenses: $ 4000
??Housing: $ 986
??Insurance: $ 110
??Car expenses: $ 1000
??Utilities: $?300
??Phone, cable, internet: $ 78
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $?1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446889
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.05% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1999 Debt/Income ratio: 32%
Basic (1-10): 1 Inquiries last 6m: 8Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 9 / 9Length of status:5y 6m
Credit score: 700-719 (Feb-2010) Total credit lines: 16 Occupation: Clerical
Now delinquent: 2 Revolving credit balance: $1,463Stated income:$25,000-$49,999
Amount delinquent: $324 Bankcard utilization: 56%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: interest-widget Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for medical procedure
Purpose of loan:
This loan will be used to pay for an upcoming medical procedure that is planned.

My financial situation:
I am a good candidate for this loan because I have a good income and a good debt to income ratio. I have the ability to make timely payments.

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 150
??Car expenses: $ 875
??Utilities: $ 0
??Phone, cable, internet: $ 150
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446951
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 13.04% Starting borrower rate/APR: 14.04% / 16.20% Starting monthly payment: $119.69
 
Auction yield range: 6.05% - 13.04% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.82%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1990 Debt/Income ratio: 32%
Basic (1-10): 8 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 15 / 8Length of status:13y 6m
Credit score: 740-759 (Feb-2010) Total credit lines: 39 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $5,256Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 28%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: orange-worldly-money 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
Travel plans
Purpose of loan: To finance a trip to Peru, South America this summer. As a Spanish teacher, I will be conducting research, attending classes, visiting the ancient Inca city of Macchu Pichu and bringing back realia for my classroom.
This loan will be used to pay for the trip as well as for summer camp for my 10 year old son during my 2 week absence.
My financial situation is excellent. I am a new home owner and have no other debt except for a car loan and a small credit card balance, which I pay in full each month.
I am a good candidate for this loan because I have a stable, well paying teaching job in an excellent school district. I have been teaching at the same school for 14 years and have a steady, reliable income and full benefits, which increase yearly. I also have additional income provided by an annuity from my late Fathers' estate. I have a very good credit score, pay my bills on time and have no negative credit history.
Thank you for considering my loan application.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446957
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,750.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.39% Starting borrower rate/APR: 9.39% / 11.49% Starting monthly payment: $183.89
 
Auction yield range: 4.05% - 8.39% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 8 / 8Length of status:8y 10m
Credit score: 720-739 (Feb-2010) Total credit lines: 33 Occupation: Other
Now delinquent: 0 Revolving credit balance: $48,257Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 58%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: integrity-sunrise 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 high APR credit card
Purpose of loan:
This loan will be used to?
reduce the interest rate on my credit card balance that was recently, insanely increased after the new "rules" went into affect. What was once a manageable interest rate to be paid off within a couple of years if desired, has become a debt that will drag out for several. Like many, when trying to negotiate with my credit card companies, they raised my rate even further. Time to try something new, keep smiling and be debt free soon!
My financial situation:
I am a good candidate for this loan because?I am a small business owner for a successful?local business for the previous 9 years?providing me with?steady &?reliable income. In fact, I had an 18%?increase in business?income in 2009.

In the previous 6 years I have endured?a devastating hurricane?(under-insured),?emergency medical expenses 3 years ago?(under-insured), and now the credit card rate increases that are affecting so many.?I have the ability to pay off a loan of this amount without hardship at a more reasonable rate than what my credit company is now forcing upon me. I have used a high limit/low interest?credit cards to re-furnish?a newly built "post-hurricane" home, replace?necessities and to pay for medical expenses incurred due to an unexpected medical emergency in 2007. I have always been current in my bills and have carried an excellent credit score my entire life, always living "within my means".

My personal and business expenses are quite?low &?my work ethic high. My goal is to eliminate the credit card debt I incurred to "start over" after?the hurricane one?step at a time,?and continue to increase growth in my business. With the assistance of Prosper Lenders, this can be my new reality!

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446969
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.39% Starting borrower rate/APR: 9.39% / 11.49% Starting monthly payment: $63.96
 
Auction yield range: 4.05% - 8.39% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1999 Debt/Income ratio: 20%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:3y 5m
Credit score: 700-719 (Feb-2010) Total credit lines: 21 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $10,971Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 74%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: unequaled-market2 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
Last bits of small loans!
Purpose of loan:
This loan will be used to? I have a small balance of a couple hundred dollars each on some small loans with high interest (a couch, my car, and credit card). I'd love to have one payment and not have to use another line of credit to consolidate.

My financial situation:
I am a good candidate for this loan because... I never pay bills late and am motivated to pay balances off. I'm planning to pay the minimum until August and increase the payments as much as I can and pay off the balance before the end of the calendar year.

Monthly net income: $ 1,900

Monthly expenses: $ 1,400
??Housing: $370
??Insurance: $55
??Car expenses: $150
??Utilities: $90
??Phone, cable, internet: $55
??Food, entertainment: $250
??Clothing, household expenses $50
??Credit cards and other loans: $245
??Other expenses: $135
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446971
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.05% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1998 Debt/Income ratio: 24%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 6Length of status:2y 8m
Credit score: 640-659 (Feb-2010) Total credit lines: 21 Occupation: Other
Now delinquent: 4 Revolving credit balance: $2,431Stated income:$75,000-$99,999
Amount delinquent: $618 Bankcard utilization: 61%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: fairness-web 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
Marketing design and materials
Purpose of loan:
This loan will be used to pay for a new branding and identity design for our photography business. It will also be used to pay for materials for distribution (brochures, business cards, letterhead, envelopes, thank you cards and sample album design work for wedding clients to view).

My financial situation:
I am a good candidate for this loan because my wife and I have taken the time to write a 28 page business plan detailing our plan for marketing, operation and finances over the course of 3 years. We also, both maintain full time regular jobs besides the photography business. We have put a lot of our own time and effort into thinking out a strategy to help us gain business through the use of the marketing materials we plan on using this loan for. I have a good background in photography education through high school and private workshops and working with other professionals in the photography business. Our full time jobs would allow us to pay back this loan even if we do not get as much business as we anticipate from photography. We have also been getting small business counseling advice from SCORE volunteers to make sure our strategy is on the right track. The monthly income below is the net combination of my wife and my income as are the expenses listed both a combination of ours.

Monthly net income: $7000.00

Monthly expenses: $
??Housing: $1900.00
??Insurance: $100.00
??Car expenses: $575.00
??Utilities: $175.00
??Phone, cable, internet: $150.00
??Food, entertainment: $400.00
??Clothing, household expenses $200.00
??Credit cards and other loans: $825.00
??Other expenses: $50 (studio management software)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446975
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,160.00 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: $233.42
 
Auction yield range: 17.05% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-2007 Debt/Income ratio: 44%
Basic (1-10): 1 Inquiries last 6m: 7Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 8 / 7Length of status:3y 6m
Credit score: 640-659 (Feb-2010) Total credit lines: 8 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $440Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 15%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: unassuming-loyalty 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
Inventory and Marketing
Purpose of loan:
This loan will be used to purchase inventory for both cleaning supplies and marketing expenses to a start-up business. The cleaning business is a billion dollar industry and one of my objectives is to secure a loan to get started.This cleaning business will not be limited to residential, commercial and industrial entities. For marketing, there will be target ads through free web listings, postcards,flyers as well as potential exposure through paid advertisements in both coupons and free publications by mail. The idea is to balance the two marketing strategies for optimal results. The ability to make payments is strong due to low overhead and stable income through full-time employment.

My financial situation:
I am a good candidate for this loan because my financial situation is solvent as I'm responsible with my current liabilities and cash flow. My debt to income is low and I strive to improve my credit rating.

Monthly net income: $2383

Monthly expenses: $
??Housing: $200
??Insurance: $52
??Car expenses: $410
??Utilities: $175
??Phone, cable, internet: $35
??Food, entertainment: $250
??Clothing, household expenses $75
??Credit cards and other loans: $300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446977
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 27.39% Starting borrower rate/APR: 28.39% / 30.74% Starting monthly payment: $207.87
 
Auction yield range: 11.05% - 27.39% Estimated loss impact: 10.68%  
Lender servicing fee: 1.00% Estimated return: 16.71%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.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.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2001 Debt/Income ratio: 15%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:3y 5m
Credit score: 700-719 (Feb-2010) Total credit lines: 12 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 11    
Screen name: orange-note-assembler 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
Engagement Ring
Purpose of loan:
This loan will be used to purchase an engagement ring.

My financial situation:
I am interested in securing a loan which I will be able to pay back once I have received my annual bonus in Mid-July.? I would like to get engaged to my girlfriend before mid-summer, which is why I am applying for a loan.

Monthly net income: $3800

Monthly expenses: $ 2650
??Housing: $ 1200
??Insurance: $ 150
??Car expenses: $ 310
??Utilities: $ 40
??Phone, cable, internet: $ 0
??Food, entertainment: $ 500
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 490
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446987
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $92.91
 
Auction yield range: 11.05% - 19.00% Estimated loss impact: 10.45%  
Lender servicing fee: 1.00% Estimated return: 8.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1995 Debt/Income ratio: 17%
Basic (1-10): 7 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 17 / 9Length of status:6y 1m
Credit score: 740-759 (Feb-2010) Total credit lines: 48 Occupation: Military Officer
Now delinquent: 0 Revolving credit balance: $3,826Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 2%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: pennypacker Borrower's state: Texas Borrower's group: BORROWERS - Free instant Listings - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 13 ( 100% ) 740-759 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
760-779 (Jun-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 13  
Description
buy new fixtures
Purpose of loan:
This loan will be used to make changes to our home.
My financial situation:
I am a good candidate for this loan because I am military and have a successful history using this service.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446989
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 28.39% Starting borrower rate/APR: 29.39% / 31.76% Starting monthly payment: $505.42
 
Auction yield range: 11.05% - 28.39% Estimated loss impact: 10.71%  
Lender servicing fee: 1.00% Estimated return: 17.68%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2002 Debt/Income ratio: 20%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 6Length of status:2y 4m
Credit score: 680-699 (Feb-2010) Total credit lines: 11 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $37,719Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: triumph456 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my high interest credit cards and will help me take control of my finances and better future.?

My financial situation:
I am a full-time employee working in a decent company for more than 2 years. This debt has been a result of my Master's education which I have completed 4 years ago. Unfortunately I realized very late that despite of making regular payments, my total debt has increased in these couple of years due to the ridiculous increase of APRs on my credit cards...!!

I would like to use this debt to pay off two CC's which have the highest APR.

Monthly net income: $ 5200

Monthly expenses: $
??Housing: $ 900
??Insurance: $ 50
??Car expenses: $200
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 35000
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446995
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 22.69% Starting borrower rate/APR: 23.69% / 25.98% Starting monthly payment: $136.75
 
Auction yield range: 8.05% - 22.69% Estimated loss impact: 8.54%  
Lender servicing fee: 1.00% Estimated return: 14.15%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1986 Debt/Income ratio: 6%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 6Length of status:35y 11m
Credit score: 700-719 (Feb-2010) Total credit lines: 60 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $21,903Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 15    
Screen name: NEXTINLINE 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 / 3 On-time: 43 ( 100% ) 700-719 (Latest)
Principal borrowed: $5,772.00< mo. late: 0 ( 0% )  
700-719 (Dec-2009)
700-719 (Jan-2008)
660-679 (Dec-2007)
700-719 (Feb-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 43  
Description
Pay my 2009 Federal & State Taxes
Purpose of loan:

Have funds to pay my 2009 Federal & State taxes(VA & DE) on a timely basis.

My financial situation:
Have two jobs/one full time at railroad and one part time at the airline which gross me?$95k combined a year.???Additionally, have income from two rooms?I rent in my condo for a net of?$1,600 per month not?included in employment income.?? Have been with my main employer for close to (36) years and on my part time position for (19) years.?? Am in good health and plan to continue to be gainfully employed.?

Monthly net income: $ 4,619 combined from both jobs and includes rental income.
Monthly expenses: $? 4,401
??Housing: $2,753 from mortgage and condo fee & cleaning service & supplies
? Credit?cards:? $950/mo
? Food &?fone & commuting & household expenses & misc:? $698




Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446999
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.39% Starting borrower rate/APR: 27.39% / 30.00% Starting monthly payment: $61.55
 
Auction yield range: 11.05% - 26.39% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1998 Debt/Income ratio: 3%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 1 / 1Length of status:0y 1m
Credit score: 640-659 (Jan-2010) Total credit lines: 4 Occupation: Other
Now delinquent: 0 Revolving credit balance: $506Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 101%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: invincible-hope1 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 Back Rent
Purpose of loan:
This loan will be used to? pay back rent pay to get back to even.? For the first time in my renting life, I was forced to miss payment on rent because I simply didn't have the funds at the time.? This will allow me to make good on this debt to my landlords and remove the immediate weight and pressure hanging over my head as I start again as a contributing member of society.? My landlords are good people and are put in an unfortunate situation with this.? This loan would be the speediest and most beneficial solution for everyone involved.

My financial situation:
I am a good candidate for this loan because? I am back in a solid working environment with a Fortune 100 company that isn't disappearing any time soon.? This is a long-term opportunity that will allow me to pay this debt down relatively quickly.

Monthly net income: ~$2350

Monthly expenses: $1480
??Housing: $1070
??Insurance: $41
??Car expenses: $
??Utilities: $24
??Phone, cable, internet: $95
??Food, entertainment: $150
??Clothing, household expenses $50
??Credit cards and other loans: $25
??Other expenses: $25
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447001
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,750.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.39% Starting borrower rate/APR: 9.39% / 11.49% Starting monthly payment: $87.95
 
Auction yield range: 4.05% - 8.39% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1998 Debt/Income ratio: 20%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 11Length of status:4y 1m
Credit score: 740-759 (Feb-2010) Total credit lines: 28 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $10,111Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 24%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Barney84 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 7 ( 100% ) 740-759 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
720-739 (Apr-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 7  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consoliate debt.

My financial situation:
I am a good candidate for this loan because I have no defaults on my credit score.? Also, I'm a CPA so I know all about money and finances.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447007
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.30% Starting borrower rate/APR: 9.30% / 11.40% Starting monthly payment: $159.70
 
Auction yield range: 4.05% - 8.30% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.18%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1996 Debt/Income ratio: 19%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:4y 1m
Credit score: 740-759 (Feb-2010) Total credit lines: 21 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $12,930Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 52%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: red-precious-rupee 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
Small Wedding
Purpose of loan:
Got engaged NYE and having a small wedding in October.? This loan will help pay costs of the wedding.

My financial situation:
I am a good candidate for this loan because I have a solid record of paying bills on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447023
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 20.00% Starting borrower rate/APR: 21.00% / 23.25% Starting monthly payment: $565.13
 
Auction yield range: 17.05% - 20.00% Estimated loss impact: 26.13%  
Lender servicing fee: 1.00% Estimated return: -6.13%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1988 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 6 / 6Length of status:16y 4m
Credit score: 680-699 (Feb-2010) Total credit lines: 18 Occupation: Investor
Now delinquent: 0 Revolving credit balance: $85,006Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 89%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: contract-motor 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
great Investment
Purpose of loan:
This loan will be used to?

My wife and I have ? flipped? homes for about 6 years and had a very good run at it during the ? buyers? market. During that time we also picked up a small campground with a family diner on premises . We began our ( 5 year plan) in July of 07. The grounds had 15 campsites in poor condition with 5 season campers. Since then we have updated all of the existing sites as well as added more. We now have a total of 33 sites with 29 of then rented to seasonal campers that return every year. We have added more showers, laundry facilities as well as free Wi-Fi and telephone service. Our Plan was to have a total of 50 sites by the summer of 2012. With all the added improvements plus the response of our campers, we are very much ahead of schedule. We would like to finish the remaining 17 sites this spring. As you can see we carry an 88% capacity value. I am confident that this will continue considering the reservations we have made already going into the spring. My financial situation:


I am a good candidate for this loan because?

Of course to start with is that we always pay our bill, not in full of course but the minimum plus extra is there every month. The other reasons this is a good investment are the numbers. Each site earns $995 per season. Currently generating $28,855. Last season we brought in over $7000 from ( non-seasonal ) travelers. If we maintain even 80% capacity of our 50 sites that is a cash flow of $39,800 add in our non-seasonal and a conservative estimate would be $45,000 per season ( season runs 5/15-10/15). Keep in mind that the seasonal campers pay there own utility bills as well and we are going to increase the rates for the 2011 season.Monthly net income: $

Monthly expenses: $
??Housing: $?525
??Insurance: $ 212
??Car expenses: $ 399
??Utilities: $ 244
??Phone, cable, internet: $ 99
??Food, entertainment: $ 250
??Clothing, household expenses $ 125
??Credit cards and other loans: $ 631
??Other expenses:
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447029
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.39% Starting borrower rate/APR: 9.39% / 12.94% Starting monthly payment: $31.98
 
Auction yield range: 4.05% - 8.39% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1986 Debt/Income ratio: 14%
Basic (1-10): 10 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 21 / 12Length of status:15y 1m
Credit score: 700-719 (Feb-2010) Total credit lines: 67 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $65,838Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: hispagirl Borrower's state: Florida Borrower's group: BORROWERS - Free instant Listings - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 28 ( 100% ) 700-719 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
720-739 (Jan-2010)
720-739 (May-2008)
780-799 (Mar-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 28  
Description
Help Mom take a trip to Chile
Purpose of loan:
This loan will be used to help my Mother take a trip to Chile. She feels she's getting old and will not be able to travel anymore and she would like to see her only live remaining sister before is her time (Mom is one of 20 and she's the youngest)

My financial situation:
I am a good candidate for this loan because I've taken out a loan before and not only paid it as promised by ahead of time. I intend to do the same with this loan.

Monthly net income: $ 5,000

Monthly expenses: $
??Housing: $ 1100
??Insurance: $ home included in the $1100 and health is paid by my employee
??Car expenses: $ 250
??Utilities: $ 125
??Phone, cable, internet: $ 100
??Food, entertainment: $ 350
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1500
??Other expenses: $ 1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447031
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.05% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1994 Debt/Income ratio: 39%
Basic (1-10): 1 Inquiries last 6m: 9Employment status:Part-time employee
Enhanced (1-5):1 Current / open credit lines: 8 / 7Length of status:4y 7m
Credit score: 640-659 (Feb-2010) Total credit lines: 21 Occupation: Laborer
Now delinquent: 0 Revolving credit balance: $3,846Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 59%  
Public records last 12m / 10y: 0/ 3 Homeownership: No  
Delinquencies in last 7y: 13    
Screen name: paloverde2 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
Purchase Auto Transport Franchise
Purpose of loan:
This loan will be used to? Buy an existing franchise.? Money will partially cover franchise fees and deposit required by headquarters.? I have $5000 to cover remaining expenses.? Customers are already in place.? I am currently a driver for the transport company.

My financial situation:
I am a good candidate for this loan because? I am a hard worker and over the last year have paid off over $10,000 in credit cards and student loans.? I dont take easy ways out.? If I take out a loan I repay that loan .... if for no other reason...it is the right thing to do.

Monthly net income: $ 4000

Monthly expenses: $ 2200
??Housing: $ 1005.00
??Insurance: $ 200
??Car expenses: $ 400
??Utilities: $?100
??Phone, cable, internet: $ 100
??Food, entertainment: $?300
??Clothing, household expenses $ 100
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447035
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 31.33% Starting borrower rate/APR: 32.33% / 34.74% Starting monthly payment: $656.07
 
Auction yield range: 11.05% - 31.33% Estimated loss impact: 10.79%  
Lender servicing fee: 1.00% Estimated return: 20.54%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.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.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1996 Debt/Income ratio: 22%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 6Length of status:6y 2m
Credit score: 700-719 (Feb-2010) Total credit lines: 20 Occupation: Tradesman - Mechani...
Now delinquent: 0 Revolving credit balance: $3,187Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 50%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 5    
Screen name: platinum-sunshine581 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
consolidate debt
Purpose of loan:
This loan will be consolidate some credit card debt and medical bill debt

My financial situation:
My wife and I?are current with all of our bills, with fair credit for me and great credir for her. we are hoping to consolidate some of our bills into one payment inhopes of being able to pay off debt sooner and allow things to be a little less stressful

Monthly net income: $ 5500.00????

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 150
??Car expenses: $ 1350
??Utilities: $ 300
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 200.00????
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 600.00
??Other expenses: $ 150.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447037
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 14.05% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1997 Debt/Income ratio: 72%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 27 / 27Length of status:3y 5m
Credit score: 620-639 (Feb-2010) Total credit lines: 42 Occupation: Other
Now delinquent: 0 Revolving credit balance: $10,816Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 67%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: babylovebug23 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 21 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,100.00< mo. late: 0 ( 0% )  
620-639 (Jan-2010)
620-639 (Aug-2009)
660-679 (Apr-2008)
640-659 (Mar-2008)
 
Principal balance: $1,604.05 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
paying off my credit cards
Purpose of loan:
This loan will be used to pay of 10 credit cards

My financial situation:
I am a good candidate for this loan because I have made my monthly payment on time with the loan I have with prosper. I also make sure that I pay my bill on time. I have been on my job for 3 years.

Monthly net income: $ 1600

Monthly expenses: $ 300????
??Housing: $
??Insurance: $ 150
??Car expenses: $ 360.71
??Utilities: $
??Phone, cable, internet: $ 243.37
??Food, entertainment: $
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 973.33
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447047
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $557.45
 
Auction yield range: 11.05% - 19.00% Estimated loss impact: 10.45%  
Lender servicing fee: 1.00% Estimated return: 8.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1995 Debt/Income ratio: 37%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 6Length of status:5y 10m
Credit score: 700-719 (Feb-2010) Total credit lines: 17 Occupation: Other
Now delinquent: 0 Revolving credit balance: $29,754Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 61%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: adaptable-integrity6 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 eliminate credit card debt.

My financial situation:
I am a good candidate for this loan because I live with parents and dont have mortage or other expeneses besides a student loan and car maintenance.?

Monthly net income: $2200 or more based on commisson

Monthly expenses: $
??Housing: $?0
??Insurance: $
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 100 (studen?loan)
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447049
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $248.80
 
Auction yield range: 14.05% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1989 Debt/Income ratio: 25%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 11Length of status:6y 0m
Credit score: 640-659 (Feb-2010) Total credit lines: 26 Occupation: Analyst
Now delinquent: 1 Revolving credit balance: $26,129Stated income:$75,000-$99,999
Amount delinquent: $553 Bankcard utilization: 78%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: successcomeswithhelp Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 24 ( 100% ) 640-659 (Latest)
Principal borrowed: $6,500.00< mo. late: 0 ( 0% )  
660-679 (Jan-2008)
620-639 (Oct-2007)
660-679 (Sep-2007)
640-659 (Jun-2007)
 
Principal balance: $2,119.04 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Consolidate and Purchase Equipment
Purpose of loan:
Thank you for taking the time to read my profile. Payments will be auto deducted.
I am looking for funding to update equipment for the gym and consolidate a couple of high interest credit cards. I want to continue to utilize Prosper. It is a win-win for all involved.
Monthly net income $ 4,900.00? Monthly expenses $?4,000 - 4,300
Housing & Utilities $780 (roommate)
Car expenses (pay,ins.,gas) $850
Credit cards $350
Food $500
Furniture?$80 (no interest)
Misc. $230
Business:
My monthly investment $1200 (includes?1st Prosper loan)
2nd Prosper Loan $250
Thank you again.?Open to your questions...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447053
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.05% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-2000 Debt/Income ratio: 21%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 2Length of status:2y 10m
Credit score: 640-659 (Feb-2010) Total credit lines: 15 Occupation: Administrative Assi...
Now delinquent: 1 Revolving credit balance: $11,533Stated income:$25,000-$49,999
Amount delinquent: $371 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: brilliant-moola1 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
For Family
Purpose of loan:
This loan will be used to help out family.
My financial situation:
I am a good candidate for this loan because I never run away from responsibility and my intentions are good?

Monthly net income: $ 2,800

Monthly expenses: $
??Housing: $ 1,000
??Insurance: $?50
??Car expenses: $ 100?
??Utilities: $?100
??Phone, cable, internet: $ 100?
??Food, entertainment: $ 200
??Clothing, household expenses $ 200?
??Credit cards and other loans: $ 300
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447059
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,001.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $271.46
 
Auction yield range: 14.05% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1988 Debt/Income ratio: 29%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 17 / 14Length of status:21y 5m
Credit score: 620-639 (Jan-2010) Total credit lines: 40 Occupation: Civil Service
Now delinquent: 0 Revolving credit balance: $39,262Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Kanamits4Hire Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 23 ( 96% ) 620-639 (Latest)
Principal borrowed: $6,001.00< mo. late: 1 ( 4% )  
680-699 (Dec-2007)
660-679 (Aug-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Need help with high int cards, etc.
Purpose of loan:
3rd times a charm?? This loan will be used to pay off high interest credit cards and other bills - $6001 is the state minimum

My financial situation:
I am a good candidate for this loan because I have been working for the Fed Govt over?20 years?and I paid off previous loan successfully with only 1 failed payment due to being out of town??

Monthly net income: $4265?? As a Prosper lender I also receive about $200 (est) per month in principal + interest

Monthly expenses: $
??Housing: $1000
??Insurance: health insurance already deducted from monthly net income above?- life insurance $145?
??Car expenses: $572 + $100 gas (est)
??Utilities: $400
??Phone, cable, internet: $190?
??Food, entertainment: $150
??Clothing, household expenses $150
??Credit cards and other loans: $1250
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447061
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.05% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-2007 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 4 / 4Length of status:4y 0m
Credit score: 740-759 (Feb-2010) Total credit lines: 5 Occupation: Psychologist
Now delinquent: 0 Revolving credit balance: $0Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: integrity-iris 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
Business Advertise
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 447067
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.39% Starting borrower rate/APR: 10.39% / 12.50% Starting monthly payment: $259.60
 
Auction yield range: 4.05% - 9.39% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1993 Debt/Income ratio: 9%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:1y 0m
Credit score: 740-759 (Feb-2010) Total credit lines: 32 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $13,329Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 18%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: worldly-peace085 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 my credit cards
Purpose of loan:
This loan will be used to pay down credit card debt acquired during my first year of work following graduate school. Much of this debt was one-time expenses incurred while moving cities and furnishing a first apartment, and therefore will not repeat in the future. Peer-to-peer lending will allow me savings versus making gradual payments to the credit card company over time.

My financial situation:
I am a good candidate for this loan because I have a relatively high income ($99,600/per year) and stable employment at a global trading and investment firm. My income in the near future is likely to gradually rise, and I am absolutely confident that I can meet loan repayment obligations without incident. I am a responsible, Ivy league-educated individual, who would be greatly appreciative of this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447071
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 21.94% Starting borrower rate/APR: 22.94% / 25.22% Starting monthly payment: $328.77
 
Auction yield range: 8.05% - 21.94% Estimated loss impact: 7.52%  
Lender servicing fee: 1.00% Estimated return: 14.42%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.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.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 4 / 4Length of status:4y 6m
Credit score: 780-799 (Feb-2010) Total credit lines: 4 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,016Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 9%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Wise-Sound 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
Hasta La Vista Credit Cards!
Loan Purpose:
To consolidate debt-My credit cards ($3,000) I do not like how the companies are treating people and I want to pay in full and a family loan ($5,500) I am up to date on all payments and the family loan is at a small interest rate, but I learned I don't want to mix family and loans!

I am a good candidate for this loan as I make all payments on time, I have good credit, and my business is doing very well-we help online media companies with production/marketing/branding,

Monthly net income: $5,100
Monthly expenses: $3,200

Thank You!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447077
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.05% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1991 Debt/Income ratio: 42%
Basic (1-10): 3 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 9 / 6Length of status:2y 9m
Credit score: 700-719 (Feb-2010) Total credit lines: 35 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $65,080Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: golden-pound8 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
Small Business Loan
Purpose of loan:
This loan will be used to increase the size of my ticket brokering business.? For the past 18 months, I have been operating a?business?that involves simply buying and reselling tickets to concerts and sporting events.??My average profit on a transaction is approximately 35%, though it does vary from transaction to transaction.? I make money on over 95% of tickets that I purchase.??As my experience and?knowledge has increased, my profit percentage has increased.? I have not lost money on any transaction in the past 6 months.? I turn over my inventory at least every three months so I am able to return at least 100% on invested capital?in a 12 month period.? Because the returns are so high, having a low cost of capital is not all that important to this business.? The period to double my investment has been as short as 4 months at times, depending on the opportunity set (quality of tickets available).? Spring and summer is the best time as that is when the more popular music acts tour.? I currently have about $5,000 at work and believe that I can easily put another $10,000 to work in high quality tickets that I can resell at prices that maintain my profit margin of about 35%.? At the $15,000 amount, I can also continue to operate the business on my own with no additional overhead.

My financial situation:
I am a good candidate for this loan because I have good credit and never been late on a payment for anything.? I am a homeowner with a property that I have over 20% down on.? I have an IRA and a 401k.? My cash flow is tight but not?so tight that I cannot continue to contribute 15% to my?401k.? I'm in a professional job and while the environment has been challenging in that field the past 2 years, I expect my income to increase substantially this year and my bonuses to resume which further improves my financial and cash flow situation.? I do have credit card debt but all payments are and have always been current.? I reduced my credit card debt by nearly 10% in 2009 and am continuing to focus on working that debt down in 2010.?Most of my credit cards raised my rates over the past year in response to the economic environment, not my specific situation as I have never had a late payment.? In response, I cancelled most of the cards to freeze the current interest rates and I will be paying them off as quickly as possible.? I do not need the money from the ticket brokering business to make my current monthly payments but it will assist me in paying my credit card debt down more quickly.????

Monthly net income: $6,000

Monthly expenses: $5,630
??Housing: $2,300
??Insurance: $80
??Car expenses: $420
??Utilities: $50
??Phone, cable, internet: $180
??Food, entertainment: $300
??Clothing, household expenses $100
??Credit cards and other loans: $2,000
??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447083
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $207.44
 
Auction yield range: 8.05% - 20.08% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.11%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1990 Debt/Income ratio: 29%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 19 / 18Length of status:30y 5m
Credit score: 680-699 (Feb-2010) Total credit lines: 43 Occupation: Civil Service
Now delinquent: 0 Revolving credit balance: $34,943Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 62%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: advocator6 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
Campus Housing Costs
Purpose of loan:
This loan will be used to? pay for campus housing costs

My financial situation:
I am a good candidate for this loan because?I have been employed by the same federal government agency for 30 years at a decent income level.?

Monthly net income: $ 7,000.00

Monthly expenses: $
??Housing: $ 2185.00
??Insurance: $ 3500.00
??Car expenses: $ 1,000.00
??Utilities: $ 600.00
??Phone, cable, internet: $ 180.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 1200.00
??Credit cards and other loans: $ 659.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447095
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 26.29% Starting monthly payment: $235.40
 
Auction yield range: 8.05% - 23.00% Estimated loss impact: 9.04%  
Lender servicing fee: 1.00% Estimated return: 13.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1978 Debt/Income ratio: 546%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):5 Current / open credit lines: 22 / 19Length of status:4y 11m
Credit score: 780-799 (Feb-2010) Total credit lines: 54Stated income:$1-$24,999
Now delinquent: 0 Revolving credit balance: $8,504 
Amount delinquent: $0 Bankcard utilization: 22%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: christopherdean 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
thksforurhlp
Purpose of loan:
This loan will be used to? Debt consolidation

My financial situation:
I am a good candidate for this loan because?Always pay bills on time and pay extra each month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447101
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 21.50% Starting borrower rate/APR: 22.50% / 24.77% Starting monthly payment: $461.40
 
Auction yield range: 8.05% - 21.50% Estimated loss impact: 9.01%  
Lender servicing fee: 1.00% Estimated return: 12.49%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1994 Debt/Income ratio: Not calculated
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 7Length of status:0y 1m
Credit score: 760-779 (Feb-2010) Total credit lines: 9 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $157Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: orange-value-base 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
Starting a Hot Dog Business
Purpose of loan:
The loan will be used to help fund start up costs for a hot dog restaurant in Las Vegas across from the University of Nevada Las Vegas,?which has?a current student?enrollment?of 28,000.?

My financial situation:
I am a good candidate for this loan because?two reasons.? One, my financial/credit history is very good and two, I have done my research on the location of the restaurant and believe it is a prime location for such a product and service.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 445092
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.07% Starting borrower rate/APR: 21.07% / 23.32% Starting monthly payment: $188.56
 
Auction yield range: 8.05% - 20.07% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.10%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.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.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1997 Debt/Income ratio: 25%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 9Length of status:0y 4m
Credit score: 680-699 (Feb-2010) Total credit lines: 22 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $50,663Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 69%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 6    
Screen name: the-tenacious-bazaar 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
Finding and obtaining an APT
Purpose of loan:
This loan will be used to pay for the security deposit on an apartment and moving expenses

My financial situation:
I am a good candidate for this loan because I make a good income relative to the loan amount and can make regular payments

Monthly net income: $4600

Monthly expenses: $2550
??Housing: $0
??Insurance: $0
??Car expenses: $0
??Utilities: $0
??Phone, cable, internet: $100
??Food, entertainment: $200
??Clothing, household expenses $100
??Credit cards and other loans: $2250
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446682
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,750.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 22.69% Starting borrower rate/APR: 23.69% / 25.98% Starting monthly payment: $107.44
 
Auction yield range: 8.05% - 22.69% Estimated loss impact: 8.54%  
Lender servicing fee: 1.00% Estimated return: 14.15%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 4 / 3Length of status:2y 11m
Credit score: 700-719 (Feb-2010) Total credit lines: 11 Occupation: Other
Now delinquent: 0 Revolving credit balance: $45,033Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: AMW_VA 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
Upgrading to a Macbook Pro
Loan Use:
I'll use this loan to replace an aging pc laptop with a Macbook Pro. My roommate has an iMac and I have fallen in love with the Macs.

About me:
I own a small Corporate Concierge company. I've been in the customer service industry for 20+ years, and in the Corporate Concierge industry for 10 of those. 3 years ago, I bought the company that I was working for. It is amazingly rewarding (and also challenging) to own your business and I am very proud of what I have accomplished.

When I was younger, I never worried about my credit or score. The last 15 years, I've worked hard to make sure my credit stayed decent, and always make all payments on time. I haven't had a late payment in many years! Today, my Equifax FICO credit score is over 730!

I look forward to trying Prosper out, and even becoming a lender in the future.

Thanks for considering my loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446754
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
 
Auction yield range: 17.05% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-2006 Debt/Income ratio: 23%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Part-time employee
Enhanced (1-5):1 Current / open credit lines: 2 / 2Length of status:0y 7m
Credit score: 640-659 (Feb-2010) Total credit lines: 4 Occupation: Student - College S...
Now delinquent: 0 Revolving credit balance: $465Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: OneLifeOneLove Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
620-639 (Apr-2008)
 
Principal balance: $667.43 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
*2nd Loan, Perfect Payment History*
The purpose of this loan is to pay for expenses associated with volunteering in the country of Nepal this summer. This loan will cover airfare and program cost while volunteering at an Elementary School in Nepal teaching English/Art and living with a host family. This is a once in a lifetime opportunity for me to get out and discover the world while being able to give back at the same time. The program length is 5 weeks starting in June 2010.

As you can see by my previous prosper loan I have had a perfect payment history for the first 19 months of creating the 1st loan. I plan on using fund raising and scholarships to pay back the cost of the programs before I actually depart for abroad. This loan will cover the initial cost of airfare and reserving a spot in the program.

Thanks to those who bid on my first listing,
Happy Bidding!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446760
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 10.99% Starting borrower rate/APR: 11.99% / 12.34% Starting monthly payment: $83.02
 
Auction yield range: 3.05% - 10.99% Estimated loss impact: 0.61%  
Lender servicing fee: 1.00% Estimated return: 10.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1988 Debt/Income ratio: 33%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 15 / 14Length of status:12y 5m
Credit score: 720-739 (Feb-2010) Total credit lines: 58 Occupation: Police Officer/Corr...
Now delinquent: 1 Revolving credit balance: $53,864Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 87%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: blue-shiny-gain Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Small Personal Situation
This loan is necessary to secure a residence for a rent to own real estate transaction. We plan to rent a larger home with the option to buy for our growing family.

My financial situation is strong and I have not been late on a loan payment in over seven years. We presently own our home in VA and have a solid tenant.

I am a good candidate for this loan because I have a solid job with the federal government. We also have a four acre parcel of land for sale that when sold will allow us to purchase our rental property and pay off all outstanding debt.

Thank you for any consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446766
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $212.26
 
Auction yield range: 17.05% - 29.00% Estimated loss impact: 26.69%  
Lender servicing fee: 1.00% Estimated return: 2.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1995 Debt/Income ratio: Not calculated
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):3 Current / open credit lines: 2 / 2Length of status:6y 9m
Credit score: 640-659 (Feb-2010) Total credit lines: 22Stated income:$1-$24,999
Now delinquent: 0 Revolving credit balance: $2,500 
Amount delinquent: $0 Bankcard utilization: 100%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: wise-wealth-performer 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
bills for pay
Purpose of loan:
This loan will be used to?Pay some bills?

My financial situation:
I am a good candidate for this loan because? I am really in need and is will to have you deduct the payments from mt checking account.

Monthly net income: $ 3150.00

Monthly expenses: $
??Housing: $?1437.00
??Insurance: $40??Car expenses: $?
??Utilities: $?145
??Phone, cable, internet: 80.
??Food, entertainment:75 $ Clothing, household expenses $?
??Credit cards and other loans: $ 00
??Other expenses: $ 00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446772
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,857.00 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: $84.00
 
Auction yield range: 14.05% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1999 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Not employed
Enhanced (1-5):4 Current / open credit lines: 1 / 1Length of status:1y 6m
Credit score: 640-659 (Feb-2010) Total credit lines: 24Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $1,857 
Amount delinquent: $0 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 38    
Screen name: blue-payout-kahuna Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit card
Purpose of loan:
This loan will be used to? payoff a chase credit card that mysteriously went from 0% to 29.24

My financial situation:
I am a good candidate for this loan because?until a bankruptcy in 2007,i had a perfect payment record for years?

Monthly net income: $ 1136? (unemployment)

Monthly expenses: $
??Housing: $ 350
??Insurance: $ 20
??Car expenses: $ 80
??Utilities: $?70
??Phone, cable, internet: $
74.88??Food,100 entertainment: $ 0
??Clothing, household expenses $?100??Credit cards and other loans: $ 60
??Other expenses: $ cell 15 gasoline 40
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446802
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 15.00% Starting borrower rate/APR: 16.00% / 18.18% Starting monthly payment: $87.89
 
Auction yield range: 11.05% - 15.00% Estimated loss impact: 10.34%  
Lender servicing fee: 1.00% Estimated return: 4.66%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1992 Debt/Income ratio: 34%
Basic (1-10): 6 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 14 / 13Length of status:1y 6m
Credit score: 700-719 (Feb-2010) Total credit lines: 51 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $24,624Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: natural-loan 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
Medical 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 446808
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 11.50% Starting borrower rate/APR: 12.50% / 14.64% Starting monthly payment: $334.54
 
Auction yield range: 4.05% - 11.50% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 9.36%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.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.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1989 Debt/Income ratio: 42%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 20 / 18Length of status:31y 8m
Credit score: 740-759 (Feb-2010) Total credit lines: 48 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $117,132Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 87%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Mr-HPI Borrower's state: Oregon Borrower's group: BuildingTree
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 49 ( 100% ) 740-759 (Latest)
Principal borrowed: $30,000.00< mo. late: 0 ( 0% )  
740-759 (Jun-2008)
700-719 (Dec-2007)
720-739 (Nov-2006)
720-739 (Sep-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 49  
Description
Refinance Landscaping Project
I have had two previous loans through Propser and have paid them both timely and completely. One loan was used to help finance the remodel of our rental property in California while the other was used to help finance the landscaping of the yard at our primary residence in Oregon. As is so often the case, the cost of the landscaping project ran way over budget. This could not have come at a more difficult time to secure conventional financing, so we went for the easy "put it on the credit cards" option. Well, recently two of my card companies have informed me that due to my "high debt to credit limit ratio" I am now considered a "high risk" despite the fact that I have always paid them, and all my debts, on time. They have jacked my rate to nearly 30%. This behavior will not be legal soon, but they've stuck me with it while they still could. I certainly hope that those of you who see me as the reliable borrower that I am will bid the rate down to something reasonable. This loan will allow me to pay off?one credit card account?completely, reduce the interest rate significantly, and allow me to pay the debt off completely in 36 months rather than the 10 plus years the credit cards companies would prefer. I have been with the same employer for over 30 years and have an income of nearly $200,000 per year. As with my previous Prosper loans, this loan will be paid timely every month until paid in full. Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446820
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $185.82
 
Auction yield range: 17.05% - 19.00% Estimated loss impact: 26.06%  
Lender servicing fee: 1.00% Estimated return: -7.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 5 / 7Length of status:8y 11m
Credit score: 660-679 (Feb-2010) Total credit lines: 15 Occupation: Executive
Now delinquent: 2 Revolving credit balance: $88,437Stated income:$75,000-$99,999
Amount delinquent: $6,499 Bankcard utilization: 125%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: point-mover 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
Opening of an additional store
Purpose of loan:
I am the owner of an AT&T wireless phone dealership. We currently have one retail store. We have the opportunity to take over another existing store which would become our second location. In the cellular agency business, agents are compensated on a tiered basis. In other words, our compensation increases exponentially with every tier that is met. Because of this, it is virtually impossible to survive on only one store. Two or more stores are almost a necessity. More than two and the dealership often becomes a cash cow.

My financial situation:
I am a good candidate for this loan because with the exception of the VERY recent past, my credit history has been nearly perfect. I am currently finishing the process of modifying my home mortgage to dramatically lower my payment. In order to qualify for this modification, I was advised to hold back on my mortgage payments until this modification was approved. The mortgage is now being paid again and is actually out of default. It is my understanding that my current lower credit score is a result of this. As you can see from my credit profile, "delinquencies in last 7 years" = 0. "Now delinquent" = 2, which are the 2 mortgates on my 1 house. Everything else on my credit report is current. I would also like to consider using Prosper to help fund our third store in the near future.?Because of these facts, I feel that I would be one of your lowest risk and highest reward candidates.

Monthly net income: $ 5,500.00 +/-

Monthly expenses:
Housing: $ 2,400.00?
Utilities: $ 500.00
Phone, cable, internet: $ 60.00
Food, entertainment: $ 1000.00
Clothing, household expenses $ 300.00
Credit cards and other loans: $ 400.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446826
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $316.65
 
Auction yield range: 17.05% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1994 Debt/Income ratio: Not calculated
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):4 Current / open credit lines: 1 / 1Length of status:13y 0m
Credit score: 660-679 (Feb-2010) Total credit lines: 27Stated income:$25,000-$49,999
Now delinquent: 0 Revolving credit balance: $0 
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 17    
Screen name: active-wampum Borrower's state: WestVirginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Trying to Enjoy Retirement
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?? I have lived a long happy life.? I have always wanted to take my wife of 53 years on a vacation.? I am looking to pay off all debts we have into one affordable payment.? This will help us to afford the vacation.

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 250
??Car expenses: $?100? (gas only)
??Utilities: $ 300
??Phone, cable, internet: $? 100
??Food, entertainment: $? 100
??Clothing, household expenses $200?
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446832
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.39% Starting borrower rate/APR: 27.39% / 29.73% Starting monthly payment: $82.07
 
Auction yield range: 11.05% - 26.39% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1999 Debt/Income ratio: 38%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 9Length of status:8y 4m
Credit score: 640-659 (Feb-2010) Total credit lines: 25 Occupation: Administrative Assi...
Now delinquent: 1 Revolving credit balance: $1,183Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 3    
Screen name: Jumper26 Borrower's state: California Borrower's group: BORROWERS - Free instant Listings - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 4 On-time: 53 ( 85% ) 640-659 (Latest)
Principal borrowed: $22,550.00< mo. late: 9 ( 15% )  
560-579 (Jan-2008)
560-579 (Dec-2007)
600-619 (May-2007)
660-679 (Oct-2006)
 
Principal balance: $2,409.61 1+ mo. late: 0 ( 0% )
Total payments billed: 62  
Description
Pay Off Some Small Overdue Bills
Purpose of loan:
This loan will be used to pay off some overdue bills that aquirred while I was out on maternity leave.

My financial situation:
I am a good candidate for this loan because I have always paid my bills till the last several weeks while I was out on maternity leave.? I'm currently back at work but I just recieved my first paycheck and it was only for $400.? These are my over due bills:

Daycare??$????? 750
Car payment??$????? 442.06
Utilities??$??????400
Phone/Cable??$???????100

This loan will be paid off in 6 month!!!!!!!

Monthly expenses:??
??Car expenses: $ 500
??Utilities: $ 400
??Phone, cable, internet: $ 100
??Credit cards and other loans: $ 700
??Daycare: $ 1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446844
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.49% Starting borrower rate/APR: 9.49% / 9.83% Starting monthly payment: $256.23
 
Auction yield range: 3.05% - 8.49% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1995 Debt/Income ratio: 21%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 15 / 15Length of status:8y 8m
Credit score: 800-819 (Feb-2010) Total credit lines: 29 Occupation: Other
Now delinquent: 0 Revolving credit balance: $51,015Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 36%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: inspiring-platinum 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 my credit cards
Purpose of loan:
This loan will be used to cover my wife's medical bills that the insurance failed to cover.

My financial situation:
I am a good candidate for this loan because because I pay off all my bills on time and have an excellent credit score.? I plan on paying off the loan as quickly as possible.? I was planning on paying off the loan within 1-2 years.? I'm looking for a loan with the best interest rate.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446856
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.05% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-2001 Debt/Income ratio: Not calculated
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 9 / 8Length of status:12y 5m
Credit score: 680-699 (Feb-2010) Total credit lines: 16 Occupation: Other
Now delinquent: 0 Revolving credit balance: $34,334Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 67%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: finance-orca 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
personal
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? I have a good/excellent credit score and pay all my bills on time.

Monthly net income: $ 5800

Monthly expenses:??
Housing: $ 0.00
??Insurance: $ 71.00
??Car expenses: $
??Utilities: $ 100.00
??Phone, cable, internet: $ 35.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $
??Credit cards and other loans: $ 1000

??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446874
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
 
Auction yield range: 17.05% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 12 / 12Length of status:11y 0m
Credit score: 720-739 (Feb-2010) Total credit lines: 42 Occupation: Administrative Assi...
Now delinquent: 11 Revolving credit balance: $16,467Stated income:$25,000-$49,999
Amount delinquent: $2,138 Bankcard utilization: 45%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 71    
Screen name: generosity-sherpa Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debt
Purpose of loan:
This loan will be used to? Pay off my my bills and credit cards

My financial situation:
I am a good candidate for this loan because? I have had the same job for over 17 yrs. I have lost a couple off accounts last year and got behind.I have just gotten 2 new clients and I am working on my credit and need a chance.

Monthly net income: $ 3900.00 plus and 250.00

Monthly expenses: $ 3200.0
??Housing: $ 628
??Insurance: $ 125
??Car expenses: $ 320
??Utilities: $ 254
??Phone, cable, internet: $ 145
??Food, entertainment: $ 450
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 750.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446880
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.39% Starting borrower rate/APR: 27.39% / 30.00% Starting monthly payment: $61.55
 
Auction yield range: 11.05% - 26.39% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1996 Debt/Income ratio: 31%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 4Length of status:6y 6m
Credit score: 640-659 (Feb-2010) Total credit lines: 31 Occupation: Other
Now delinquent: 1 Revolving credit balance: $552Stated income:$25,000-$49,999
Amount delinquent: $1,868 Bankcard utilization: 58%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 13    
Screen name: jellyb48 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 36 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
600-619 (Dec-2009)
600-619 (Nov-2009)
600-619 (Oct-2009)
620-639 (Sep-2009)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
college expenses (books, Fees)
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? just completed a loan with Prosper of $3,000.

Monthly net income: $ 3600

Monthly expenses: $
??Housing: $ 1050
??Insurance: $ 167
??Car expenses: $700
??Utilities: $ 100
??Phone, cable, internet: $ 89
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446948
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $24,999.00 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: $1,130.86
 
Auction yield range: 17.05% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1986 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 4 / 4Length of status:6y 4m
Credit score: 760-779 (Feb-2010) Total credit lines: 25 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $1,833Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 11%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Northampton 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: 0 / 1 On-time: 9 ( 100% ) 760-779 (Latest)
Principal borrowed: $6,500.00< mo. late: 0 ( 0% )  
660-679 (Feb-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 9  
Description
Replace Septic System, Central Air
Purpose of loan:
This loan will be used to pay replace septic system and central air in my Florida home.

My financial situation:
I am a good candidate for this loan because I have had?a previous loan with Prosper which was paid off successfully. I also consider myself to be an honest, reliable and trustworthy individual. My income level is?above average. I currently own my home. The home is paid in full and I have no mortgage.?I am self-employed and own several internet businesses and also do some government contracting. The entire cost of this project is approximately $35,000. I am requesting a loan in the amount of $24,999 and will pay the rest with existing savings.

Monthly net income: $ 3720.00

Monthly expenses: $
??Housing Taxes: $ 200.00
??Insurance: $ 100
??Car expenses: $ 50
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards: $?1200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446956
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.00% Starting borrower rate/APR: 21.00% / 23.25% Starting monthly payment: $565.13
 
Auction yield range: 17.05% - 20.00% Estimated loss impact: 19.13%  
Lender servicing fee: 1.00% Estimated return: 0.87%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.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.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1985 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 20 / 16Length of status:23y 8m
Credit score: 700-719 (Feb-2010) Total credit lines: 56 Occupation: Tradesman - Mechani...
Now delinquent: 0 Revolving credit balance: $22,499Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 67%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: wealth-kingdom 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
Paying off miscellaneous expenses
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 446960
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.50% Starting borrower rate/APR: 15.50% / 15.86% Starting monthly payment: $174.55
 
Auction yield range: 3.05% - 14.50% Estimated loss impact: 1.52%  
Lender servicing fee: 1.00% Estimated return: 12.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1974 Debt/Income ratio: 9%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 11Length of status:11y 2m
Credit score: 820-839 (Feb-2010) Total credit lines: 22 Occupation: Nurse (RN)
Now delinquent: 1 Revolving credit balance: $1,661Stated income:$75,000-$99,999
Amount delinquent: $5,505 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 8    
Screen name: best-magnificent-dedication 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
Funeral Expense
Purpose of loan:
This loan will be used to? cover funeral expenses for my husband's funeral.? My husband, Francisco, passed away this past Valentine's Day and I am planning to go home to the Philippines for his funeral this coming Monday, Feb. 22nd, 2010.? I will need the money due to the fact that I will not receive my husband's $10,000 life insurance policy before I leave.? I have his policy with Banker's Life And Casualty Company; our agent is Carol J. Buck at 11300 NE Halsey St., Portland, OR 97220.

My financial situation:
I am a good candidate for this loan because? we will finally reduce our monthly debt by not having to send money to the Philippines for my husband's Alzeimer's care and medicine.? The financial burden has been heavy on our monthly expenses, but we did the best we could to provide my husband with the best care possible.? I thank you for the opportunity to express my reasons for this loan from your fine financial institution.? Thank you again for your time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.39% Starting borrower rate/APR: 27.39% / 29.73% Starting monthly payment: $164.14
 
Auction yield range: 11.05% - 26.39% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1987 Debt/Income ratio: 45%
Basic (1-10): 7 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 17 / 16Length of status:3y 4m
Credit score: 640-659 (Feb-2010) Total credit lines: 28 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $41,044Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: generosity-linkage4 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
Good job & want to pay credit cards
Purpose of loan:
This loan will be used to consolidate and pay off high credit cards that I've accumulated through and after college.?

My financial situation:
I am a good candidate for this loan because I have shown a a steady job with the same company for more than 3 years and have been promoted and relocated 3 times with the company, now working at headquarters.? I'm settled and smarter and ready to reduce credit card debt

Monthly net income: $ 2300

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 150
??Car expenses: $ 350
??Utilities: $ 20
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 800
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446984
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $297.16
 
Auction yield range: 17.05% - 29.00% Estimated loss impact: 19.69%  
Lender servicing fee: 1.00% Estimated return: 9.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1989 Debt/Income ratio: 10%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 2 / 2Length of status:1y 4m
Credit score: 760-779 (Feb-2010) Total credit lines: 13 Occupation: Tradesman - Mechani...
Now delinquent: 0 Revolving credit balance: $4,528Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: worldly-peace9 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
renovaating upstairs of house
Purpose of loan:
the purpose of My loan is to finish a bathroom on a small addition we put on upstairs in my house this house has only one bathroom
so a second would add value to house . One of best towns in Morris county NJ?

My financial situation:
I am a good candidate for this loan because?? Myself and my wife of 12 years both have a good work History I am currently working for a
school system . My wife is in Pharmecutical feild . We have always paid all of our loans back to everyone . go ahead and check not much
debt.Just need this lump sum to finish up project.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446986
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.7%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $139.16
 
Auction yield range: 14.05% - 24.00% Estimated loss impact: 15.78%  
Lender servicing fee: 1.00% Estimated return: 8.22%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1998 Debt/Income ratio: 15%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 18 / 18Length of status:0y 2m
Credit score: 600-619 (Feb-2010) Total credit lines: 40 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $14,424Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 50%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 21    
Screen name: jbblacker Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 26 ( 100% ) 600-619 (Latest)
Principal borrowed: $3,500.00< mo. late: 0 ( 0% )  
620-639 (Nov-2009)
640-659 (Sep-2008)
600-619 (Nov-2007)
560-579 (Feb-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 26  
Description
Auto downpayment
About Me:

I'm a 31 yr old Finance professional, who just landed a new job 10 weeks ago after being laid off for over a year.

Now with my stable work with a good hourly wage and and discretionary bonus, I need to get purchase a vehicle to get me to/from work.? So far, I've been lucky to have great friends who have lent me their cars until I could get some income coming in.


What the loan is for:

I will be using the loan as a decent down payment for a used vehicle.? I am looking to purchase something in the $20,000 range.? A car that has some (but not a lot) of miles on it, preferably certified, pre-owned with a warranty.? I will use the $3500 from this loan, plus another $1000 I have saved over the last 10 weeks to make a 20% down payment.?


How I will repay the loan:

Payments for this loan are well within my budget.? The payments for this loan will be $140/month.? And the remaining car loan payment will be roughly $300/month.

In
??? Full-time Job:? $4000/ month (after taxes)

Out
????Rent- $850.00
??? This loan + Car loan = $440.00 ???????????????
??? Estimate Car Insurance- $80.00 ???????????????
????Utilities- $200.00 (electric, phones, cable, internet, etc.)?????????????????
????Groceries- $120.00
????Savings- $300.00 (includes money for daily living, gas for cars, etc.)?
????Student Loans: $480.00?
????Monthly Total: ?$2470.00

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446990
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.07% Starting borrower rate/APR: 21.07% / 23.32% Starting monthly payment: $75.42
 
Auction yield range: 8.05% - 20.07% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.10%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.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.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1993 Debt/Income ratio: 33%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 18 / 12Length of status:1y 4m
Credit score: 640-659 (Feb-2010) Total credit lines: 32 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $6,373Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: robertob7 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
600-619 (Jul-2008)
600-619 (Sep-2007)
620-639 (Mar-2007)
540-559 (Oct-2006)
 
Principal balance: $1,257.76 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Buying a second used car for wife
Purpose of loan:
This loan will be used to? purchase a used car for my wife.? She is a stay at home mom and needs a car to do errands while I am at work.

My financial situation:
I am a good candidate for this loan because? I already have a current loan with Prosper and have never missed a payment, my finances allow me to take on a second Prosper loan for $2,000 without impacting our current financial situation.

Monthly net income: $ 4,000 ????

Monthly expenses: $ 3,050
??Housing: $ 700
??Insurance: $ 100 ????
??Car expenses: $ 400
??Utilities: $ 150
??Phone, cable, internet: $ 200
??Food, entertainment: $ 700
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446992
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 9.49% Starting borrower rate/APR: 10.49% / 10.84% Starting monthly payment: $649.95
 
Auction yield range: 3.05% - 9.49% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1984 Debt/Income ratio: 20%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:26y 8m
Credit score: 820-839 (Feb-2010) Total credit lines: 30 Occupation: Engineer - Chemical
Now delinquent: 0 Revolving credit balance: $26,027Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 50%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: dinero-performer Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off 100% of our credit card balance.?

My financial situation:
I am a good candidate for this loan because:
1.? I am a person of high personal integrity.
2.? I have been employed at the same stable company for over 26 years.
3.? I have a respectable net worth with a healthy 401K retirement account.
4.? I have never defaulted on any type of loan.
5.? I can readily make monthly payments, even if the term of the loan is relatively short.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447002
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.51% Starting borrower rate/APR: 10.51% / 12.62% Starting monthly payment: $487.61
 
Auction yield range: 4.05% - 9.51% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1994 Debt/Income ratio: 25%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 17 / 15Length of status:2y 0m
Credit score: 720-739 (Feb-2010) Total credit lines: 50 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $31,172Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 46%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: special-felicity1 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 Credit Cards
Purpose of loan:
This loan will be used to pay off credit card debt.

My financial situation:
I am a good candidate for this loan because I always pay my bills, have never had a delinquency on my credit report and I make a decent salary.? Unfortunately, due to the economy, bonuses that I was going to use to pay off debt, did not happen last year.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447014
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.39% Starting borrower rate/APR: 27.39% / 29.73% Starting monthly payment: $82.07
 
Auction yield range: 11.05% - 26.39% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-2000 Debt/Income ratio: 36%
Basic (1-10): 7 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 7Length of status:1y 1m
Credit score: 640-659 (Feb-2010) Total credit lines: 15 Occupation: Other
Now delinquent: 0 Revolving credit balance: $17,090Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: vigilance-ace 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
Surgery
Purpose of loan:
This loan will be used to have surgery

My financial situation:
I am a good candidate for this loan because I can pay off the loan quickly. I just need the money now but have another source of income monthly that allows me to pay this off quickly.

Monthly net income: $ 2500 (not incl other income)

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 60
??Car expenses: $ 327
??Utilities: $ 65
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447026
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.05% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1996 Debt/Income ratio: 19%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 19 / 18Length of status:4y 4m
Credit score: 680-699 (Feb-2010) Total credit lines: 55 Occupation: Other
Now delinquent: 2 Revolving credit balance: $38,113Stated income:$100,000+
Amount delinquent: $2,632 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: usmcmp78 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: 1 / 1 On-time: 17 ( 100% ) 680-699 (Latest)
Principal borrowed: $20,000.00< mo. late: 0 ( 0% )  
680-699 (Sep-2009)
680-699 (Aug-2008)
 
Principal balance: $12,264.31 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Paying off our Credit Card Debt!!
Purpose of loan:
To pay off my high interest credit cards

My financial situation:
I am a good candidate for this loan because I have had a very good paying, steady job since graduating from college in 2001.? Previous to this event in our life, we were completely credit card debt free.

Monthly net income: $ 15,000 + Quarterly bonuses

Monthly expenses: $
??Housing: $ 2500 ???
??Insurance: $ 140
??Car expenses: $ 1000
??Utilities: $ 250
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 4000
??Other expenses: $ 1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447028
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
 
Auction yield range: 17.05% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1987 Debt/Income ratio: 46%
Basic (1-10): 1 Inquiries last 6m: 10Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 12 / 10Length of status:8y 8m
Credit score: 640-659 (Feb-2010) Total credit lines: 33 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $5,936Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 12    
Screen name: best-worth-travels 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 down a bill
Purpose of loan:
Paying off a debt

My financial situation:
I am a good candidate for this loan because...even though I have some personal debt, I am trying to get this loan to?take care of the amount. It is going to take more money than 4000.00 to take care of my debt but I am trying to start somewhere.

Also the deliquincies that are showing on my credit report are from when I was way younger, over 4 years ago. I made some mistakes that have cost me but I am trying to put things back on track. Also on my credit report it shows I have a mortgage but my ex-husband and me are seperating so I am not responsible for the mortgage payment showing or bank of america credit card. Thank you for your time in considering me. God Bless.
Monthly net income: $ 2800.00

Monthly expenses: $?
Housing: $?389.00 (shared 1/2?with?roomate, so my portion is only 389.00)??Insurance: I have renters insurance with Farmers, which is only 17.00 a month.??Car expenses: $ Car Insurance 110.00, gas is 30.00 every?2 to?3 weeks.?Car Payment 280.00??Utilities: $ 50.00 (shared with roomate)??Phone, cable, internet: $ 100.00??Food, entertainment: $ 30.00 a week, sometimes go two weeks.??Clothing, household expenses $ n/a???Credit cards and other loans:?I have Care?One helping me with?most if not all of my debt that I have, I pay them 250.00 a month.??Other expenses: $ n/a
Monthly net income: $ 2800.00

Monthly expenses: $?
Housing: $?389.00 (shared 1/2?with?roomate, so my portion is only 389.00)??Insurance: I have renters insurance with Farmers, which is only 17.00 a month.??Car expenses: $ Car Insurance 110.00, gas is 30.00 every?2 to?3 weeks.?Car Payment 280.00??Utilities: $ 50.00 (shared with roomate)??Phone, cable, internet: $ 100.00??Food, entertainment: $ 30.00 a week, sometimes go two weeks.??Clothing, household expenses $ n/a???Credit cards and other loans:?I have Care?One helping me with?most if not all of my debt that I have, I pay them 250.00 a month.??Other expenses: $ n/a
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447032
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $636.77
 
Auction yield range: 17.05% - 29.00% Estimated loss impact: 36.19%  
Lender servicing fee: 1.00% Estimated return: -7.19%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 7 / 7Length of status:11y 1m
Credit score: 640-659 (Feb-2010) Total credit lines: 24 Occupation: Construction
Now delinquent: 2 Revolving credit balance: $49,937Stated income:$50,000-$74,999
Amount delinquent: $653 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: vigorous-openness 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
Recovering from bldg slowdown
Purpose of loan:
This loan will be used to pay down personal credit cards and?my credit rating has gradually gone down as I have juggled what bills need to be paid and what will have to wait. I know that I will eventually get back on top of this; I just need someone willing to believe that too.?

My financial situation:??Iown a small construction company that up until the past year and a half has done very well. Due to the economy, as with most construction companies, business has slowed drastically. Two years ago I had 35 employees, I now have 6. I have had to lay everyone off, which kills me. I have always had work since I started and definitely am not afraid of hard work. I do have signed contracts with a larger building firm that I have always worked with since I started my company. That contract is worth $373,600. Work on that contract has been stopped since Nov 09, but was just turned back on 15 Feb 10. Additionally, aside from any small job I can find to keep income coming in, I am involved in a city program through the Dept of Housing & Neighborhood Preservation. I have won 6 of the last 8 jobs I bid, with the current one for $11,000. The only problem with these contracts is I do not get paid for the material and labor until is complete and approved by the city, I then submit a payment invoice. That invoice takes from 30-60 days to be paid to me. To keep these jobs going, I have had to charge material to my personal credit cards. I trying to keep my family supported and I refuse to let us fail. My credit rating has gradually gone down as I have juggled what bills need to be paid and what will have to wait. I know that I will eventually get back on top of this; I just need someone willing to believe that too.

I am a good candidate for this loan?because I am a hard worker and have always been able to pay my bills and support my family. I believe the housing industry is going to rebound and?I am an established builder with a good reputation.

Monthly net income: $ 69,000

Monthly expenses: $ 4158.00
??Housing: $ 1900.00
??Insurance: $ 118.00?
??Car expenses: $ 200.00 (fuel)
??Utilities: $ 470.00
??Phone, cable, internet: $ 170.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $
??Credit cards and other loans: $ 500.00
??Other expenses: $ 400.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447034
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 24.57% Starting borrower rate/APR: 25.57% / 27.88% Starting monthly payment: $480.74
 
Auction yield range: 8.05% - 24.57% Estimated loss impact: 9.09%  
Lender servicing fee: 1.00% Estimated return: 15.48%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1997 Debt/Income ratio: 20%
Basic (1-10): 4 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 7 / 6Length of status:3y 6m
Credit score: 760-779 (Feb-2010) Total credit lines: 12 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $18,594Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 67%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: prudent-ore Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off credit card bills that I accumulated as a result of a divorce.

My financial situation:
I am a good candidate for this loan because I have never had a late payment on an account in my life.? I own a home and have a secure job.? I'm a teacher and sign a year long contract each year.? I also will be getting married in May and will have 2 incomes.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447040
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 27.00% Starting borrower rate/APR: 28.00% / 30.35% Starting monthly payment: $620.45
 
Auction yield range: 17.05% - 27.00% Estimated loss impact: 19.57%  
Lender servicing fee: 1.00% Estimated return: 7.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1998 Debt/Income ratio: 12%
Basic (1-10): 3 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 10Length of status:8y 6m
Credit score: 700-719 (Feb-2010) Total credit lines: 20 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $12,448Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 35%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 11    
Screen name: professional-integrity561 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 Debt
Purpose of loan:
This loan will be used to?
to payoff?the credit card bills ansl o Taxes?
My financial situation:
I am a good candidate for this loan because? I have income to payoff and also I am planning on paying off this within 3 years
Monthly net income: $ 6000

Monthly expenses: $ 2000
??Housing: $ 800
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447050
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 12.00% Starting borrower rate/APR: 13.00% / 13.35% Starting monthly payment: $33.69
 
Auction yield range: 3.05% - 12.00% Estimated loss impact: 0.62%  
Lender servicing fee: 1.00% Estimated return: 11.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-2001 Debt/Income ratio: 26%
Basic (1-10): 10 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 5Length of status:1y 9m
Credit score: 740-759 (Feb-2010) Total credit lines: 29 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $8,447Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 74%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Realty24 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
Invest in pprosper
Purpose of loan:
This Loan will be use to invest back into prosper to provide income other than my job income.????My financial situation I am a good person for this loan because I have never been late on any of my bills.? I have a good steady job working at a bank inside walmart.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447052
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 17.05% Starting borrower rate/APR: 18.05% / 20.26% Starting monthly payment: $289.42
 
Auction yield range: 17.05% - 17.05% Estimated loss impact: 25.94%  
Lender servicing fee: 1.00% Estimated return: -8.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.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.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2001 Debt/Income ratio: 34%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 7Length of status:2y 3m
Credit score: 640-659 (Feb-2010) Total credit lines: 17 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $4,662Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 102%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: runpaulone Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 100% ) 640-659 (Latest)
Principal borrowed: $8,000.00< mo. late: 0 ( 0% )  
620-639 (Dec-2009)
600-619 (Feb-2008)
 
Principal balance: $3,550.40 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
3rd Listing - Credit Card Pay-off!
Purpose of loan:
I'd like to consolidate a few credit cards with interest rates that are NEVER-ENDING!?

My financial situation:
I am a second time borrower from Prosper, which might not look good, but for 2 years I've successfully paid each month and never been late!? How's that for a payment history!!!?? Someone help me out of this mess!

Monthly net income: $1,500.00

Monthly expenses: $
??Housing: $540.00
??Insurance: $40.00
??Car expenses: $120.00 (Fuel)?
??Utilities: $100.00
??Phone, cable, internet: $0.00
??Food, entertainment: $200.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $485.00
??Other expenses: $0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447056
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.05% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-2006 Debt/Income ratio: 20%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Part-time employee
Enhanced (1-5):1 Current / open credit lines: 2 / 1Length of status:0y 2m
Credit score: 700-719 (Feb-2010) Total credit lines: 3 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $783Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 34%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: the-justice-cedar 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
Paying for legal expenses
Purpose of loan:
This loan will be used to pay for legal expenses.

My financial situation:
I am a good candidate for this loan because I have a steady income at a well known employer, and I would like to pay off my loan as fast as possible.

Monthly net income: $ 1220.00

Monthly expenses: $
??Housing: $ 517
??Insurance: $
??Car expenses: $
??Utilities: $ 30 ??
??Phone, cable, internet: $30
??Food, entertainment: $75
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 60
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447062
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.05% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1994 Debt/Income ratio: 10%
Basic (1-10): 2 Inquiries last 6m: 4Employment status:Retired
Enhanced (1-5):1 Current / open credit lines: 0 / 0Length of status:16y 5m
Credit score: 640-659 (Feb-2010) Total credit lines: 11Stated income:$25,000-$49,999
Now delinquent: 0 Revolving credit balance: $0 
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 2 Homeownership: No  
Delinquencies in last 7y: 20    
Screen name: enclave233 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 bills
Purpose of loan:
This loan will be used to? to pay off bills

My financial situation:
I am a good candidate for this loan because?
I am honest and would be able to pay off the loan because I would be caught up with all debt. The reason for the bankrupcies is are property manager embesseled and sold most of our properties. We just need a chance . We have a?Reverse Mort. we don't have monthly payment's .?????Monthly net income: $ 2200.00

Monthly expenses: $
??Housing: $?0
??Insurance: $ 103.00
??Car expenses: $ 0
??Utilities: $?240.00
??Phone, cable, internet: $ 125.00
??Food, entertainment: $?500.00
??Clothing, household expenses $ 300.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 66.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447064
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.57% Starting borrower rate/APR: 26.57% / 28.90% Starting monthly payment: $1,014.87
 
Auction yield range: 8.05% - 25.57% Estimated loss impact: 9.11%  
Lender servicing fee: 1.00% Estimated return: 16.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1995 Debt/Income ratio: 16%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 6Length of status:28y 6m
Credit score: 780-799 (Feb-2010) Total credit lines: 25 Occupation: Military Officer
Now delinquent: 0 Revolving credit balance: $47,168Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 45%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: peso-animal Borrower's state: Hawaii Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
CC Payoff
Purpose of loan:
This loan will be used to consolidate two bills

My financial situation:
I am a good candidate for this loan because I have never missed a payment on anything. I have a good salary and great credit history.
I will continue my excellent track record and pay this bill timely. You will not be disappointed in approving this application.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447070
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,750.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 24.57% Starting borrower rate/APR: 25.57% / 27.88% Starting monthly payment: $350.54
 
Auction yield range: 8.05% - 24.57% Estimated loss impact: 9.09%  
Lender servicing fee: 1.00% Estimated return: 15.48%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1984 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 4Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 10 / 8Length of status:10y 11m
Credit score: 780-799 (Feb-2010) Total credit lines: 46 Occupation: Other
Now delinquent: 0 Revolving credit balance: $54,527Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: proud-vigilance4 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
CREDIT CARD RATE SKYROCKETS
My credit card company is increasing my rate from 13.9% to 29.99% variable! I have NEVER been late making a payment from ANY creditor. Even though my credit report is without blemish they blame this rate increase on new federal laws. I want pay this credit card off and never to do business with this company again! Please help me fight back. I would rather to pay Prosper investors the interest than reward the credit card company.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447076
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,400.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $124.63
 
Auction yield range: 11.05% - 18.00% Estimated loss impact: 10.42%  
Lender servicing fee: 1.00% Estimated return: 7.58%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1995 Debt/Income ratio: 9%
Basic (1-10): 7 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:14y 1m
Credit score: 700-719 (Feb-2010) Total credit lines: 16 Occupation: Tradesman - Electri...
Now delinquent: 0 Revolving credit balance: $11,757Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 63%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: cake7 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
high interest credit card
Purpose of loan:
This loan will be used to? consolidate two high interest credit card debt.

My financial situation:
I am a good candidate for this loan because? I do pay my bills on time and I am very responsible .

Monthly net income: $ 4000.00

Monthly expenses: $
??Housing: $1400.00
??Insurance: $ 200
??Car expenses: $
??Utilities: $ 200
??Phone, cable, internet: $ my wife pays this portion of the bills
??Food, entertainment: $
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400.per month
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447080
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 33.00% Starting borrower rate/APR: 34.00% / 36.44% Starting monthly payment: $178.69
 
Auction yield range: 17.05% - 33.00% Estimated loss impact: 26.95%  
Lender servicing fee: 1.00% Estimated return: 6.05%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1992 Debt/Income ratio: 6%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 2Length of status:4y 9m
Credit score: 660-679 (Feb-2010) Total credit lines: 26 Occupation: Nurse (RN)
Now delinquent: 2 Revolving credit balance: $0Stated income:$100,000+
Amount delinquent: $3,653 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 16    
Screen name: payout-parsec 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
College
Purpose of loan:
This loan will be used to?help pay for my daughter's down payment for college. She will be going to NYU in September.

My financial situation:
I am a good candidate for this loan because? I have just started a new job that is full-time guaranteed income and it will increase my yearly income by 25,000.00 and my husband's income (72,000.00) will also go to repay this loan. Our combined monthly net income is Approximately 11,000.00/mo.

Monthly net income: 7,000

Monthly expenses: $
??Housing: $ 3400
??Insurance: $ 150
??Car expenses: $ 150
??Utilities: $ 300
??Phone, cable, internet: $ 150
??Food, entertainment: $ 250
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447082
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 16.25% Starting borrower rate/APR: 17.25% / 19.45% Starting monthly payment: $107.33
 
Auction yield range: 11.05% - 16.25% Estimated loss impact: 10.37%  
Lender servicing fee: 1.00% Estimated return: 5.88%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1990 Debt/Income ratio: 25%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 9Length of status:16y 7m
Credit score: 660-679 (Feb-2010) Total credit lines: 21 Occupation: Retail Management
Now delinquent: 1 Revolving credit balance: $13,653Stated income:$25,000-$49,999
Amount delinquent: $613 Bankcard utilization: 70%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: credit-mover Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 660-679 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
620-639 (Aug-2008)
 
Principal balance: $2,336.98 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
paying off credit cards
Purpose of loan:
This loan will be used to? pay off my credit cards.?i have been paying one card with another,but beating the good rate is hard, playing catch up is not working.
any advise,please save meeeee.

My financial situation:
I am a good candidate for this loan because? I take my financial situations sirously never stoped working always pay my bills on time, but i hate to pay three times for something i purchased when i was promised a locked rate now they blame it on the economy that they have no choice but to try to bury me.

Monthly net income: $ 2700

Monthly expenses: $
??Housing: $ 1300
??Insurance: $?60
??Car expenses: $ my self
??Utilities: $ roomate
??Phone, cable, internet: $ roomate
??Food, entertainment: $ 100
??Clothing, household expenses $ min. only when needed
??Credit cards and other loans: $?400
??Other expenses: $
Information in the Description is not verified.