Listing Report:Supplement No. 194 dated Mar 18, 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 167815
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 17.04% - 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: Not calculated
Basic (1-10): 1 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 6Length of status:1y 7m
Credit score: 680-699 (Mar-2010) Total credit lines: 37 Occupation: Other
Now delinquent: 1 Revolving credit balance: $13Stated income:$50,000-$74,999
Amount delinquent: $46 Bankcard utilization: 1%  
Public records last 12m / 10y: 1/ 1 Homeownership: Yes  
Delinquencies in last 7y: 6    
Screen name: WUBassist 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
Buy a Fed Ex route
Purpose of loan:
The purpose of this loan is to purchase a Fed Ex Ground route from my current contractor.

My financial situation:
I am a good candidate for this loan, because i will double my current income by becoming a full time contractor instead of being a sub-contractor.

Monthly net income: $ 4400.00

Monthly expenses: $
??Housing: $ 354.00
??Insurance: $
??Car expenses: $ 876.00
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 300.00
??Clothing, household expenses $
??Credit cards and other loans: $ 300.00
??Other expenses: $ 300.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450539
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $723.45
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.90%  
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: Dec-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 7 / 6Length of status:7y 4m
Credit score: 740-759 (Mar-2010) Total credit lines: 10 Occupation: Other
Now delinquent: 0 Revolving credit balance: $11,379Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 37%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: vigilance-jujitsu 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
consolidate debt & student use
Purpose of loan:
This loan will be used to consolidate debt & to pay my way to school. I think it is a good time to go back to school to further my education, it is why I would like to consolidate my debt into one to make things easier, so that I can concentrate on school work instead of bills.

My financial situation:
I am a good candidate for this loan because I always manage to pay all my creditors back. You can check my credit and credit score, and see that I RARELY pay my? bills late, my credit might not be excellent (yet), but it is good enough, that in the past creditors have given me decent loans.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450639
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $248.80
 
Auction yield range: 17.04% - 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: Jul-1999 Debt/Income ratio: 10%
Basic (1-10): 2 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 2 / 2Length of status:2y 7m
Credit score: 680-699 (Mar-2010) Total credit lines: 5 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $1,993Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: eloquent-auction8 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
Purchase Classic Car
This loan is to purchase a classic car, a 1970 Cadillac Hearse. I have the ability to pay this back not only because I am employed but I also have a second job doing castings for the dealers where I work, unfortunately this is "under the table" so I can't prove this income. It is $800+ a month. This classic car will only appreciate in the future. There are a few "dings" on my credit this is because I was in an adjustable home loan. as the payment went up I fell behind. I quickly refinanced with a fixed rate and have never been late since nor plan to be. There are also two incomes in my household, all thought we are not married but have been together for 15 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450659
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $322.67
 
Auction yield range: 8.04% - 9.00% Estimated loss impact: 8.18%  
Lender servicing fee: 1.00% Estimated return: 0.82%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2000 Debt/Income ratio: 14%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 16 / 15Length of status:0y 9m
Credit score: 700-719 (Mar-2010) Total credit lines: 31 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $10,003Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 70%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Shani Borrower's state: NewYork Borrower's group: Have Money - Will Bid
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 36 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,500.00< mo. late: 0 ( 0% )  
680-699 (Aug-2009)
580-599 (Jul-2006)
580-599 (Jun-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Paying off credit cards
* This will be my second loan on prosper. I have paid my first loan in full. All my payments were made on time.

Purpose of loan:
This loan will be used to pay off my high interest credit cards.

My financial situation:
I am good candidate for this loan because I pay all my bills on time. I am merely? looking to replace my high APR credit cards with a loan that has a lower interest rate.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450711
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $135.71
 
Auction yield range: 14.04% - 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: Feb-1996 Debt/Income ratio: 24%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 8Length of status:5y 1m
Credit score: 620-639 (Mar-2010) Total credit lines: 21 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $1,819Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 13%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 28    
Screen name: roccosmom Borrower's state: Vermont Borrower's group: Vermonters Unite
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 93% ) 620-639 (Latest)
Principal borrowed: $2,000.00< mo. late: 2 ( 7% )  
600-619 (Dec-2009)
620-639 (Nov-2009)
620-639 (Sep-2009)
600-619 (Aug-2009)
 
Principal balance: $468.76 1+ mo. late: 0 ( 0% )
Total payments billed: 29  
Description
Pay off high interest credit cards
PLEASE NOTE THAT THE INCOME AND DEBT TO INCOME RATIO ARE NOT INCLUDING MY HUSBAND'S INCOME

Purpose of the loan: My husband and I got behind on our mortgage a little over a year ago due to my husband suffering from an illness.? During that time he was temporarily laid off because he had to spend a lot of time at the hospital.? We did not have health insurance and as you can imagine the bills went through the roof!!? His health was first and foremost to us at the time.? He has since been diagnosed and treated and is back to work full time as an electrician.? We have modified our mortgage and are current on all our bills (thank God!!)? We are looking for this loan to consolidate our credit card debt, the interest rates are extremely high.? We are turning to Prosper because our debt issues have been hard to overcome with conventional lending.? We want nothing more than to erase those issues and improve our credit scores to better our future.?

My financial situation: We are up to date on all our bills. This loan will be used to consolidate all our credit card debt and to pay off a pay day loan.

Why am I a good candidate for paying back this loan? Because my husband and I are working as hard as we can in the crazy economy to keep our heads above water.? We have overcome so many hardships in the past year and just want to feel free!!? We are hard working, honest people whom have had a tough time this year and just want to be on track financially so we can think about starting a family.

Monthly net income: $3,200 plus my husband's income of $3,000- TOTAL INCOME: $6,200.00

Monthly expenses:

House: $1400.00
Insurance: $120.45
Car expense: $546 for my husband's car
Utilities: $300.00
Phone, cable, internet: $100.00
Food, entertainment: $200.00
Credit cards, other loans: $400.00
TOTAL EXPENSES: $3,066.45

Feel free to ask me any questions you may have.? I am worth the investment and will be able to make the monthly payments!!? Thank you for your interest!!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450729
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.22% Starting borrower rate/APR: 31.22% / 33.62% Starting monthly payment: $215.61
 
Auction yield range: 11.04% - 30.22% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.46%  
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: Nov-1990 Debt/Income ratio: 14%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:2y 2m
Credit score: 640-659 (Mar-2010) Total credit lines: 23 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $17,104Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 62%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 6    
Screen name: ExcellentGreen 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
Card Companies Raising Rates!
Purpose of loan:
For the past several years I have paid my cards off COMPLETELY, EVERY MONTH. But in the last year, after some trips to visit family and then some minor emergencies (car, more travel, house work), I'm lately stuck at about $6,500 total debt and not pulling ahead of the (recently raised) interest rates quickly enough. While I haven't missed any payments, I dislike paying these excessive charges to evil credit card companies and would much rather pay them to YOU (I'm also a Prosper Lender by the way).

I was about to post then saw that my rating was "D" - this is much lower than I expected, and believe it's from carrying that debt for too long and having credit limits reduced recently. Some years ago we got into a rough patch, thus some negative marks on the report that haven't expired yet. Since then we've had job and financial situation improvements, and a refi at a very low fixed rate, and it's all good. Not sure why the House Ownership is listed as "No" since we do own - perhaps because there is a mortgage?

My financial situation:
Our family gross income is about $154,000 per year. My wife makes about 50% more than I do. We own our home (a lovely Victorian) in San Francisco and have a medium mortgage (about half the current value of the house) at a very low rate.

MY Monthly NET income: $3,600 (Gross at 64K/year). This does NOT include my wife's income, which is about 90K/year (I wasn't allowed to enter this during setup).

Why you should jump at this:
Because I expect it to be paid quickly and easily, and we are NOT likely to default.

Thank you!

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450741
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% - 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-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 3Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 3 / 3Length of status:2y 6m
Credit score: 640-659 (Mar-2010) Total credit lines: 6 Occupation: Truck Driver
Now delinquent: 1 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 6    
Screen name: reward-bluebird Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
equipment upgrade
Purpose of loan:
This loan will be used to? to upgrade to my own trailer which will alllow my business more revenue.

My financial situation:
I am a good candidate for this loan because I am in a job sector that is projected to increase in the coming months.

Monthly net income: $ 5400

Monthly expenses: $
??Housing: $ 735.00
??Insurance: $ 228.00
??Car expenses: $ 330.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 125.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $
??Credit cards and other loans: $ 1400/truck payment
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450753
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 16.00% Starting borrower rate/APR: 17.00% / 19.20% Starting monthly payment: $249.57
 
Auction yield range: 8.04% - 16.00% Estimated loss impact: 8.36%  
Lender servicing fee: 1.00% Estimated return: 7.64%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2001 Debt/Income ratio: 24%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:8y 0m
Credit score: 720-739 (Mar-2010) Total credit lines: 16 Occupation: Police Officer/Corr...
Now delinquent: 0 Revolving credit balance: $4,194Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 19%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: monroviachick 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: 30 ( 100% ) 720-739 (Latest)
Principal borrowed: $12,000.00< mo. late: 0 ( 0% )  
720-739 (Aug-2007)
 
Principal balance: $2,297.09 1+ mo. late: 0 ( 0% )
Total payments billed: 30  
Description
Getting Married
Purpose of loan:
This loan will be used to pay for my wedding

My financial situation: I am working full time as a Jailer at one Police Department, and I just started Part-Time Dispatch at another PD. I got the part-time job to pay for the wedding but now that department might be closing down within the next three months. :( So now I need help to pay for the remainder of the wedding details. Things I still need to pay off for the wedding: Reception Rental Fee: $500- left to pay Tables/Chair Rental Fee: $700- Linens/Plates/Cups/Silverware Rental: $700- Flowers for ceremony & reception: $600-700ish DJ: $500- Minister/Officiant: $500- Photographer: $400- Hair & Makeup: $200- Bridesmaids/Groomsman gifts: $500- Total so far $4700- Ceremony Programs, Aisle Runners, Rose Petals, & Misc small items still left to pay for too. And an extra couple thousand as a cushion for the unknown/last minute problems.
I am a good candidate for this loan because I am working full-time and part-time. I can make payments every month and in August I will finish paying off my first prosper loan and I will have an additional $400/month to pay the loan off faster :) I've never been late making my prosper loan payments and my credit is good. Thank you all so much for your help in making my wedding possible :D Much love to you all!! BTW We are getting married this September 4 :) AS OF 3/17/2010 PROSPER HAD ME RE-LIST THIS LOAN REQUEST BECAUSE MY ORIGINAL PHOTO HAD MY FIANCE'S & MY FIRST AND LAST NAMES AND I DO HAVE A W2 AND PAYSTUB THAT I CAN FAX TO VERIFY MY FINANCES. THANK YOU!! :)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450759
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,300.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $330.22
 
Auction yield range: 17.04% - 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-1994 Debt/Income ratio: 24%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 5Length of status:6y 6m
Credit score: 660-679 (Mar-2010) Total credit lines: 18 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $4,261Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: scholarly-peso Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying car for our family
Purpose of loan:
This loan will be used to? Purchase a new auto for our family ????

My financial situation:
I am a good candidate for this loan because? My Husband & I operate our household on a very managed budget.? Budget is figured monthly on paper & every expense is tracked.? My Husband secured a Prosper loan 2 1/2 years ago.? We have never missed a payment & this loan will be paid off in a few months.? We could easily qualify for a bank loan to purchase our next auto however we are taking the Prosper route based on the positive experience with my Husband's Prosper loan.

Monthly net income: $ 1430

Monthly expenses: $
??Housing: $
??Insurance: $57
??Car expenses: $ 100
??Utilities: $ 85 ????
??Phone, cable, internet: $ 54 ??
??Food, entertainment: $ 125
??Clothing, household expenses $
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450765
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 27.38% Starting borrower rate/APR: 28.38% / 30.73% Starting monthly payment: $207.85
 
Auction yield range: 11.04% - 27.38% Estimated loss impact: 10.68%  
Lender servicing fee: 1.00% Estimated return: 16.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2003 Debt/Income ratio: 27%
Basic (1-10): 6 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 8Length of status:1y 8m
Credit score: 700-719 (Mar-2010) Total credit lines: 9 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $20,876Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: capital-arboretum 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
Trying to Get Debt Free
Purpose of loan:
This loan will be used to? pay off credit cards

My financial situation:
I am a good candidate for this loan because? I make enough money and will pay on time.

Monthly net income: $ 3,800 ???? ????

Monthly expenses: $
??Housing: $ 1250
??Insurance: $ 200
??Car expenses: $ 450
??Utilities: $ 100
??Phone, cable, internet: $ 250
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 850 ????
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450771
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $16,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 11.50% Starting borrower rate/APR: 12.50% / 12.85% Starting monthly payment: $535.26
 
Auction yield range: 3.04% - 11.50% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 9.99%  
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: Nov-2000 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:6y 2m
Credit score: 800-819 (Mar-2010) Total credit lines: 14 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $2,688Stated 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: yan201 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
C.C BT Expired, needs to pay off
Purpose of loan:
I took a 0% C.C offer of $20000 six month ago to loan it to a friend for his business.?It was promised to be?paid back in six month. Unfortunately
he can only pay me back about $4000 now. But the 0% offer has just expired and interest is going up to 15.99%.? I pay off my credit card every month, never carry balance until this. Most likely I will be able to pay this loan off within a year or sooner.

My financial situation:
I have about $20000 in savings and more in the stock market and I have my own company , so even my friend can not pay me back the rest of the money at all, I can still pay off this loan easy. But with the economy is improving , I believe my friend's business is turning around and he will be able to pay me back sooner.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450789
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,200.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 7.22% Starting borrower rate/APR: 8.22% / 10.30% Starting monthly payment: $132.04
 
Auction yield range: 4.04% - 7.22% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.11%  
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: Sep-2002 Debt/Income ratio: 12%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:2y 7m
Credit score: 780-799 (Mar-2010) Total credit lines: 15 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $1,113Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 13%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: benefit-sage Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need another car for work.
Purpose of loan:
This loan will be used to?get another car for work.??I just sold a really nice car?and have freed up about 600$ a month.? The banks want me to buy another car or they will not fund me.? Im looking to just get a trusty car to drive to work and keep my other one just incase.?

My financial situation:
I am a good candidate for this loan because I have never even payed a payment late on anything.? I just freed up 600$ month 137 is nothing.? I have worked at my job for about 3 years.? I also make good money.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450837
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.48% Starting borrower rate/APR: 9.48% / 9.82% Starting monthly payment: $256.19
 
Auction yield range: 3.04% - 8.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.98%  
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: Sep-1998 Debt/Income ratio: 30%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 22 / 19Length of status:5y 6m
Credit score: 800-819 (Mar-2010) Total credit lines: 30 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $12,903Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 20%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: efficient-truth0 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
This loan will be used to? pay off credit cards.? I recently purchased a house with my boyfriend.? My boyfriend paid for the bulk of the down payment on the house, and he pays for the mortgage.? My contribution to the house was a new furnace, a roof repair, and other necessary repairs.? I would like this loan to pay off the credit card debt incurred for these necessary purchases for my new home.

My financial situation:
I am a good candidate for this loan because?I am an extremely hard worker and am determined to be out of debt as soon as possible. The form for this loan only allowed me to enter the employment information for one job.? I actually work two jobs regularly.? In addition to my full-time job income of $30,000 a year, I also have a part time job paying approximately $15,000 per year.? I can provide W-2 information for both jobs.? Please take my second job income into consideration when considering my eligibility for a loan. ?

I take my debts seriously, and I work diligently to pay them off.? My good credit score was the reason my boyfriend and I were able to purchase a house.? He is a Canadian citizen and had no credit history in the U.S.? I am an American citizen with a long and reliable credit history.? Without my good credit score, we would not have secured a mortgage.?

I am excited about this program and hope that you will consider me worthy of a loan.? When my debts are paid off, I would love to someday become a lender with Prosper, and help others in situations like mine.?


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450849
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 10.00% Starting borrower rate/APR: 11.00% / 11.35% Starting monthly payment: $425.60
 
Auction yield range: 3.04% - 10.00% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 8.49%  
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: Nov-2000 Debt/Income ratio: 36%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 10Length of status:4y 9m
Credit score: 800-819 (Mar-2010) Total credit lines: 16 Occupation: Other
Now delinquent: 0 Revolving credit balance: $192Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: unequaled-contract 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
Refinancing a loan
Purpose of loan:
This loan will be used to?Refinance another loan to lower my payments.? The original loan was taken out for my husband to consolidate his debt.? He is now having trouble making payments and I am making the payments.? The loan payments are 646 a month which is hard for me to afford.? With this loan I will be in a more comfortable position to make payments every month.?

My financial situation:
I am a good candidate for this loan because? I am very responsible and I always pay my bills on time.? I pay my credit cards off every month, I rarely charge anything to my credit cards.? I am a Certified Veterinary Technician and have worked for a small company for?5 years.? Please help me lower my payments every month.? Thanks!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450861
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.33% Starting borrower rate/APR: 20.33% / 22.57% Starting monthly payment: $279.99
 
Auction yield range: 17.04% - 19.33% Estimated loss impact: 19.08%  
Lender servicing fee: 1.00% Estimated return: 0.25%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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: 42%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 15 / 13Length of status:20y 4m
Credit score: 640-659 (Mar-2010) Total credit lines: 37 Occupation: Nurse (LPN)
Now delinquent: 0 Revolving credit balance: $10,102Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Fury440 Borrower's state: Missouri Borrower's group: Vets helping Vets
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 25 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
660-679 (Jan-2010)
640-659 (Jan-2008)
660-679 (Oct-2007)
660-679 (Sep-2007)
 
Principal balance: $1,704.66 1+ mo. late: 0 ( 0% )
Total payments billed: 25  
Description
Consolidate debts
Purpose of loan:
Hello and thank you for reviewing my loan request. The purpose of this loan is to consolidate all of our credit card and finance debt. After talking with the bank, I learned that this is what is holding my credit score down, presently at 679

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


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

Monthly net income: $?4235.00

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

Monthly expenses:

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

Total going Out $2980.00

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

I welcome and look forward to your questions




Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450869
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,250.00 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: $327.96
 
Auction yield range: 17.04% - 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: Jan-2006 Debt/Income ratio: 24%
Basic (1-10): 1 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 11 / 10Length of status:2y 6m
Credit score: 640-659 (Mar-2010) Total credit lines: 18 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $7,384Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: creative-integrity3 Borrower's state: DistrictOfColumbia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Help me consolidate my debt!
Purpose of loan:
This loan will be used to pay off a credit card, pay for some expenses related to my divorce, and pay some back bills to doctors.

My financial situation:
I am a good candidate for this loan because i have never defaulted on any loan, I always pay my debts, I am a young enthusiastic working professional with good income growth potential. I don't use credit cards anymore beyond an american express, rather I am using this loan to start to pay off some old debts relating to college and divorce.

Monthly net income: $ 3400

Monthly expenses(not rent): $957
??Housing: $1100
??Insurance: $230
??Car expenses: $489
??Utilities: $23
??Phone, cable, internet: $15
??Food, entertainment: $300
??Clothing, household expenses $
??Credit cards and other loans: $200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450887
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,750.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.48% Starting borrower rate/APR: 9.48% / 9.82% Starting monthly payment: $248.18
 
Auction yield range: 3.04% - 8.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.98%  
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-1986 Debt/Income ratio: 20%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:2y 4m
Credit score: 820-839 (Mar-2010) Total credit lines: 32 Occupation: Other
Now delinquent: 0 Revolving credit balance: $465Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: new-p2p-elevator 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
Starting a new chapter of my life!!
Purpose of loan:
I will be using this loan to pay off a high interest credit card.? Unfortunately, my life has taken an unexpected turn with the recent ending of my engagement and it is crucial to my ability to move on and out of my house, that I currently share with my ex, that I pay off this credit card.? This card was mainly used for living/house expenses when both my ex and I were laid off together from our jobs in the mortgage industry a couple years ago.

My financial situation:
I am a good candidate for this loan because I have above excellent credit.? I have never been late on a credit card payment or my mortgage.? I always pay well above the minimum on this credit card.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450905
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.38% Starting borrower rate/APR: 9.38% / 12.93% Starting monthly payment: $31.98
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1991 Debt/Income ratio: 150%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 6 / 6Length of status:9y 8m
Credit score: 700-719 (Feb-2010) Total credit lines: 9 Occupation: Other
Now delinquent: 0 Revolving credit balance: $61,194Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: sincere-peace5 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay credit account off
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 450911
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 22.68% Starting borrower rate/APR: 23.68% / 25.97% Starting monthly payment: $78.13
 
Auction yield range: 8.04% - 22.68% Estimated loss impact: 8.54%  
Lender servicing fee: 1.00% Estimated return: 14.14%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-2000 Debt/Income ratio: 13%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 4 / 3Length of status:1y 6m
Credit score: 700-719 (Mar-2010) Total credit lines: 6 Occupation: Other
Now delinquent: 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: relentless-return549 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
Starting a niche Travel Company
Purpose of loan:
Is to financially assist my new business in the faith/adventure tourism market. This market is expected to triple in the next 5 years based on a current research study.

My financial situation:
I'm a great candidate for this loan, because I know my industry well (10 years experience) and I have many connections in my field that is saving?me substantsially.
More importantly, I have excellent credit and fully believe in follow through and responsibilty. I've have a great desire to succeed, and?truly believe I have a?great business plan?and that my business will be a success. I will be able generate income quickly with my online booking system and currently have an internet and market strategy in place.

Monthly net income: $ 1,140 in my current job plus income when website is ready for launch

Monthly expenses: $
??Housing: $ 975.00
??Insurance: $ 93.00 (don't have to pay again until August)
??Car expenses: $ $265.00
??Utilities: $50.00
??Phone, cable, internet: $ 85.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $600.00
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450929
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 3.50% Starting borrower rate/APR: 4.50% / 4.83% Starting monthly payment: $446.20
 
Auction yield range: 3.04% - 3.50% Estimated loss impact: 1.49%  
Lender servicing fee: 1.00% Estimated return: 2.01%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2000 Debt/Income ratio: 10%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:1y 9m
Credit score: 800-819 (Mar-2010) Total credit lines: 13 Occupation: Other
Now delinquent: 0 Revolving credit balance: $836Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 3%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: reward-attraction1 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
Start up for Financial Consulting
Purpose of loan:
I will use this loan to help fund the start of a financial consulting business.?

My financial situation:
I am a good candidate for this loan because I have solid credit, I will still be employed full time when starting this business, and I have additional capital in other accounts.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450935
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.00% Starting borrower rate/APR: 18.00% / 20.46% Starting monthly payment: $54.23
 
Auction yield range: 11.04% - 17.00% Estimated loss impact: 10.40%  
Lender servicing fee: 1.00% Estimated return: 6.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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: 35%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 20 / 19Length of status:11y 2m
Credit score: 640-659 (Feb-2010) Total credit lines: 38 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $16,071Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: thrilling-leverage1 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to? consolidate a couple of bills to one payment.

My financial situation:
I am a good candidate for this loan because? my credit report shows that I always make payments on time and I have worked for same company for 11 years.

Monthly net income: $ 2500

Monthly expenses: $ 1800
??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 450943
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 14.03% Starting borrower rate/APR: 15.03% / 17.20% Starting monthly payment: $277.44
 
Auction yield range: 6.04% - 14.03% Estimated loss impact: 5.24%  
Lender servicing fee: 1.00% Estimated return: 8.79%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2000 Debt/Income ratio: 27%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 9Length of status:2y 6m
Credit score: 760-779 (Mar-2010) Total credit lines: 17 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,445Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 7%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: aggresive-value 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
I'm getting married...
Purpose of loan:
I am getting married and will be using the money for wedding expenses.

My financial situation:
I am a good candidate for this loan because I have an excellent?credit history?and have good income (along with my fiancee)?that will more than support the monthly payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450949
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 23.57% Starting monthly payment: $56.56
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-2004 Debt/Income ratio: Not calculated
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Not employed
Enhanced (1-5):5 Current / open credit lines: 7 / 5Length of status:0y 2m
Credit score: 640-659 (Mar-2010) Total credit lines: 14Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $2,008 
Amount delinquent: $0 Bankcard utilization: 23%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 15    
Screen name: sankapilat Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 10 ( 83% ) 640-659 (Latest)
Principal borrowed: $3,500.00< mo. late: 2 ( 17% )  
600-619 (Jul-2009)
660-679 (Apr-2008)
640-659 (Feb-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 12  
Description
1 quarters worth of school cost
Purpose of loan:
This loan will be used for payment of 4 classes at my local community college.

My financial situation:
I am currently honorably discharged from the Marine Corps. Ive been out for my 3rd month now and i am enrolling into the local community college for 4 classes. my payment for this quarter is roughly 1000 and i need a few more hundred for misc school expenses. I qualify for the post 911 GI bill which could pay my expenses for me but im choosing not to use it right now until i get on par for university and use my benefits for more serious studies. I am currently on unemployment and i am looking for work. So i get a 450 weekly unemployment check until i find a job. I also get a disablity check for $375 once a month from the VA for disabilty so i am more then capable of paying back my loan. If any of you would like paperwork regarding this income feel free to contact me?and i will fax you documentation. I have very little expenses due to the fact that i have a paid off car and im living with my brother for free for the next year.
Monthly expenses: $
??Housing: $0
??Insurance: $150
??Car expenses: $?250
??Utilities: $ 150
? Phone, cable, internet: $130
? Food, entertainment: $200
??Clothing, household expenses $60
??Credit cards and other loans: $150?
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450953
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
 
Auction yield range: 17.04% - 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-1995 Debt/Income ratio: 14%
Basic (1-10): 4 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 6 / 5Length of status:3y 8m
Credit score: 660-679 (Mar-2010) Total credit lines: 14 Occupation: Other
Now delinquent: 1 Revolving credit balance: $3Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: commitment-bear5 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate debts..?

My financial situation:
I am a good candidate for this loan because I am currently paying triple on one debt, double on one debt, and extra on vehicle, mortgage, and afew other debts.

Monthly net income: $ 2400+

Monthly expenses: $
??Housing: $ 1100 (note is $963.69 including all insurances)
??Insurance: $ 275 (vehicles)
??Car expenses: $ 800 (two vehicles)
??Utilities: $ 160
??Phone, cable, internet: $ 180
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 700
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450955
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 10.38% Starting borrower rate/APR: 11.38% / 13.50% Starting monthly payment: $822.97
 
Auction yield range: 4.04% - 10.38% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.25%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1985 Debt/Income ratio: 34%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 12Length of status:17y 7m
Credit score: 780-799 (Mar-2010) Total credit lines: 34 Occupation: Other
Now delinquent: 0 Revolving credit balance: $54,563Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 42%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: pious-commitment Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Candle Supplies debt consolidation
Purpose of loan:
My wife and I own a candlemaking supplies business called Connie's Candles Inc.? We have?a warehouse/store located in Southern Ohio and also sell online at www.conniescandles.com.? We would like to use the proceeds from this loan to pay off a couple of high interest credit cards.? This would reduce our monthly interest charges along with adding to our monthly cash flow.? We will use these additional funds to increase our buying power in purchasing inventory, which in turn will increase our profitability.? Over the past several months we have implemented several other cost saving strategies such as efforts to lower heating costs, reducing payroll, and cutting advertising.? We have already seen significant results from these efforts.

My financial situation:
I believe we are good candidates because my wife and I have maintained good credit scores and have solid repayment histories on loans.? We are committed to keeping this business running for our employees and our community.? While we both own this company, my wife Connie manages the day to day operations.? I am employed by USEC (United States Enrichment Corp.) in the health physics/radiation protection field.? I have a level Q government clearance, which requires periodic background investigations, including personal and financial histories.? I feel this goes a long way in expressing how seriously I take my obligations. My thanks to all those interested in funding this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450959
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,600.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $147.09
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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: 15%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 6Length of status:3y 1m
Credit score: 760-779 (Mar-2010) Total credit lines: 23 Occupation: Other
Now delinquent: 0 Revolving credit balance: $38Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: harrisda1 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off Credit Card
Purpose of loan:
This loan will be used to pay a credit card off. I had a favorable interest rate, but my card got bought by Chase. They first raised the interest rate and a month later decided to close the account even though I have had perfect payment history and have paid more than the minimum balance each month. With the account closed I was unable to negotiate my previous rate or even lower rate.

My financial situation:
I am a good candidate for this loan because I have had no deliquent payment history in more than 6 years. I am currently paying it down now with no issues paying almost $100 more than the minimum payment. I'm just getting screwed by the interest rate. I currently work as a IT Tech Analyst and I also work a part time job for extra income. My only other major debts are school loans and a car payment which are all current. My other expenses are the usual - rent, utilities, food etc.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450961
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.0%  
   
 
Starting lender yield: 20.00% Starting borrower rate/APR: 21.00% / 23.25% Starting monthly payment: $753.50
 
Auction yield range: 17.04% - 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: Sep-1990 Debt/Income ratio: 32%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 14 / 9Length of status:5y 8m
Credit score: 680-699 (Mar-2010) Total credit lines: 34 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $35,471Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: dimeadozen Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 92% ) 680-699 (Latest)
Principal borrowed: $6,000.00< mo. late: 1 ( 4% )  
680-699 (Feb-2008)
 
Principal balance: $2,121.48 1+ mo. late: 1 ( 4% )
Total payments billed: 25  
Description
Almost There...
Purpose of loan:
This loan will be used to consolidate debt as a result of many changes in our life over the past?5 years.? I can pay all my bills right now with no problem, but I have some higher interest rate loans that I would like to reduce and make into 1 payment.? I have a current loan through Prosper that I will payoff with this loan.? I can reduce approximately $1000 in monthly payments that will allow me to save even more money.? Additionally, I want to get away from the financial companies and pay real people than a company.

My financial situation:
I am a good candidate for this loan because I have a really solid job in a strong company and my earning potential in the future is very high.? I have been with the same company for almost 6 years and I am earning over 6 figures.? I am very blessed with the a good and stable job.? Also, you will see that I pay my bills on tme.

Monthly net income: $ 8500
Monthly expenses: $
??Housing: $ 3000
??Insurance: $?145
??Car expenses: $?382
??Utilities: $?300
??Phone, cable, internet: $?160
??Food, entertainment: $?250
??Clothing, household expenses $?200
??Credit cards and other loans: $?2000
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450965
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $904.72
 
Auction yield range: 17.04% - 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: Mar-2001 Debt/Income ratio: 94%
Basic (1-10): 1 Inquiries last 6m: 8Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 21 / 20Length of status:4y 7m
Credit score: 760-779 (Mar-2010) Total credit lines: 26 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $7,461Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 27%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: red-bountiful-return 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
Fabric Store Startup
Purpose of loan:
In an area that is projected to grow over 40% by 2015 and by more than 60% by 2030, Camden County, Georgia is an ideal market for new businesses.? It has been named ?Best Small Boomtown in America? by Money Magazine, voted ?America Dream Town 2004 for Georgia,? and was featured on the cover of Georgia on my Mind 2005 Travel Guide.? I am to contribute to its growth and development by offering the community a local venue, not currently offered, for quality fabrics at wholesale and below wholesale prices.The purpose of this loan is for startup expenses and inventory acquisition. The loan will be paid back at a fixed 18% interest rate for a 5-year term. Upon analyzing our projected figures I feel confident in surpassing the $290 required a day to break-even.? The business?can immediately begin payments on our requested business loan.
My financial situation:
I am a good candidate for this loan because I refuse to fail.? Not only do I possess strong work ethics but uphold a high moral standard for myself and my business practices.? The most frustrating obstacle I have encountered when trying to obtain this small business loan through banks has been my lack of available funds to put in- you have to have money to make money it seems.? I will be putting in 10K, everything I have.? I would not take this risk if I wasn't sure it would work.? I repeatedly hear ?Can you borrow from family or friends??? I cannot; everything I have, including my college education, I have paid for myself.? I feel over 100% that this venture will be profitable.? Worst-case scenario, if the business were not to succeed, the loan would still be repaid even if I had to work 3 jobs.? Most businesses fail due to insufficient funding and planning.? I have all the projections for the next three years and a promising business plan.? Please give me a chance, I am guaranteed interest!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450971
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 24.55% Starting borrower rate/APR: 25.55% / 27.86% Starting monthly payment: $280.36
 
Auction yield range: 11.04% - 24.55% Estimated loss impact: 10.61%  
Lender servicing fee: 1.00% Estimated return: 13.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-2005 Debt/Income ratio: 40%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 11Length of status:2y 8m
Credit score: 640-659 (Mar-2010) Total credit lines: 19 Occupation: Other
Now delinquent: 0 Revolving credit balance: $7,691Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 36%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: GQ7 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
Giving the banks the boot
Purpose of loan:
This loan will be used to? Consolidate high interest rate credit cards, in order to fully eliminate debt.

My financial situation:
I am a good candidate for this loan because? I currently work two jobs, with the sole purpose of paying off debt by the end of this year, my primary income comes from a reliable source where I have been emplyed for almost three years

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0?????Paid by my company
??Car expenses: $?800 (payment, gas and insurance)
??Utilities: $
??Phone, cable, internet: $?60 (phone)
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $?400
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450977
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $102.57
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1984 Debt/Income ratio: 7%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:1y 6m
Credit score: 680-699 (Mar-2010) Total credit lines: 13 Occupation: Truck Driver
Now delinquent: 0 Revolving credit balance: $80Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 14%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 25    
Screen name: seemthelen 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
Taxes
Purpose of loan:
This loan will be used to pay the taxes on an international investors investment in the company.

My financial situation:
I am a good candidate for this loan because the investor is investing 18 million dollars that is already in the company off shore account we need to pay the taxes on the money before it can be transfered to the account in the United States.

Monthly net income: $ 4,000

Monthly expenses: $ 1,800
??Housing: $ 675
??Insurance: $ 100
??Car expenses: $ 200
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $
??Credit cards and other loans: $ 250
??Other expenses: $
undefinedundefined 
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450979
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.91% Starting borrower rate/APR: 9.91% / 12.02% Starting monthly payment: $161.12
 
Auction yield range: 4.04% - 8.91% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.79%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1983 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 21 / 18Length of status:0y 2m
Credit score: 780-799 (Mar-2010) Total credit lines: 49 Occupation: Other
Now delinquent: 0 Revolving credit balance: $50,476Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 50%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: favorite-contract9 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
Helping out a family member in need
Purpose of loan:
This loan will be used to? Help out a family member who was injured on the job and has fallen behind on his car/home payments while waiting to receive worker's compensation.

My financial situation:
I am a good candidate for this loan because? I can comfortably make a monthly payment on this amount with my self-employment contract and?with my husband's full time management income(he has been at the same company for 13 years)?taking care of all our household expenses.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450991
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.48% Starting borrower rate/APR: 10.48% / 10.83% Starting monthly payment: $552.38
 
Auction yield range: 3.04% - 9.48% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.97%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1989 Debt/Income ratio: 24%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 4Length of status:0y 6m
Credit score: 800-819 (Mar-2010) Total credit lines: 22 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $490Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: asset-circuitry0 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off 2 credit cards
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450997
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.00% Starting borrower rate/APR: 10.00% / 10.34% Starting monthly payment: $161.34
 
Auction yield range: 3.04% - 9.00% Estimated loss impact: 0.61%  
Lender servicing fee: 1.00% Estimated return: 8.39%  
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: May-1993 Debt/Income ratio: 22%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:1y 7m
Credit score: 760-779 (Mar-2010) Total credit lines: 14 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $11,262Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 4%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Robarron Borrower's state: SouthDakota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Unexpected expenses
Purpose of loan:
This loan will be used to pay for some unexpected expenses incurred in my consulting business

My financial situation:is good
I am a good candidate for this loan because I can easily make monthly payments and perhaps twice a month payments depending on the advantage of doing so
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451001
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
 
Auction yield range: 14.04% - 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: Oct-1983 Debt/Income ratio: 36%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Part-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 11Length of status:7y 5m
Credit score: 680-699 (Mar-2010) Total credit lines: 55 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $3,729Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 19%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: transparency-pizza Borrower's state: SouthDakota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 3 ( 100% ) 680-699 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
660-679 (Oct-2009)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 3  
Description
Kitchen Cabinets
Purpose of loan:
This loan will be used to? replace my kitchen cabinets and countertops.

My financial situation:
I am a good candidate for this loan because? I am financially able to repay the loan.? I make $19.00/hr and have been working 30 hrs per work.? Now that summer is coming I will be working more hours.? I am an independent person so I like to get things done.? My husband pays all the bills so my money is my money.? And I want to redo the kitchen.? I am very aware of things that need to get done around the house and I enjoy doing it myself.

Monthly net income: $ 1800.00 - 2000.00

Monthly expenses: $ None
??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 451009
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,700.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $151.81
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1999 Debt/Income ratio: 20%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:4y 10m
Credit score: 700-719 (Mar-2010) Total credit lines: 7 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $1,815Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: forthright-dime16 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Cleaning My Slate
Purpose of loan:
This loan will be used to? Pay off Medical and credit card bills ranging from10%-29% rate. I want to make 1 payment with a great rate.

My financial situation:
I am a good candidate for this loan because? I have pretty good credit and I have a very Secure and Stable job.

Monthly net income: $ 2,854.80

Monthly expenses: $1,755.00
??Housing: $ 625.00
??Insurance: $ 45.00
??Car expenses: $ 50.00
??Utilities: $ 165.00
??Phone, cable, internet: $ 70.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 250.00
??Other expenses: $50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451013
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $994.00
 
Auction yield range: 17.04% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2000 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 13 / 11Length of status:0y 6m
Credit score: 760-779 (Mar-2010) Total credit lines: 55 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $9,551Stated income:$0
Amount delinquent: $0 Bankcard utilization: 29%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: success_management 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
Bridge loan needed
As far as my financial situation, I went to business school and racked up a bunch of debt then went to work on Wall St. at a private equity firm for over two years. Three partners and I quit our jobs 6 months ago to start a very exciting business that deals with accounting and post audit software for companies with a lot of vendors (e.g. manufacturing companies, grocery companies, etc.). Two of my partners have been in the post audit industry for a combined of 50 years! We offer three different services and over the last month we signed up our first three clients. We anticipate bringing in between $1.5 and $1.9 million dollars with the three contracts over the next 12 months. We will start to see some revenue in May and we will be well on our way by August. We had an investor that committed to pay all our expenses from September through December (office, utilities, sales trips,software development, living expenses for the four partners, etc.). He is still involved but has run out of cash. We have funded this so far with his money and our own savings. We are working on two of the three projects right now and just need enough money hire some help for the projects and to get by for two more months. I know there?s a lot of money on its way, and we have come so far and are so close to making this work. I haven?t missed a payment for many years now and the last time I had a problem was when I was working on my undergraduate studies. Please let me know if there is any other information you?d like to know about me, my partners, the business, or the contracts.
Warm Regards,

CEO
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451021
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $565.45
 
Auction yield range: 17.04% - 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: Jan-1999 Debt/Income ratio: Not calculated
Basic (1-10): 1 Inquiries last 6m: 7Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 7Length of status:4y 2m
Credit score: 680-699 (Mar-2010) Total credit lines: 18 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $39Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: speedy-platinum7 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
Reusable Closing Costs
Purpose of loan:
This loan will be used to create?a reusable fund used for third party closing cost. all funds used are refunded at closing to be used for the next deal.
I have a wholsale line of credit for cash aquisitions of REO properties only with no payments for 8 mos. Property is rehabbed and placed back on the market for resale at a discount.

My financial situation:
I am a good candidate for this loan because? I have very good credit and this loan will not be consumed, all funds used will be replenished either at the end of every closing for purchase or resale.... it can be called on 90 day notice...

Monthly net income: $ Between 3k and 4k Per Month

Monthly expenses: $
??Housing: $ 302
??Insurance: $ 30
??Car expenses: $150?????????????????
??Utilities: $ 150????
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 0
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451027
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,800.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 23.31% Starting monthly payment: $67.87
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-1984 Debt/Income ratio: 6%
Basic (1-10): 10 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:0y 7m
Credit score: 680-699 (Mar-2010) Total credit lines: 30 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $7,607Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 37%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: point-harmony 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
Reduce Interest Rate - Prosper Rep
Purpose of loan:
Thank you for considering my Prosper loan.? I am new to Prosper and looking to establish myself as a credible borrower and lender.? I am starting with one of three?simple, high interest rate?credit cards - Paypal.? The card is in excellent standing but with recent changes in the CC laws, the rate has gone up considerably.? I will pay off the card and?close the account.?Instead of giving the interest to Paypal,?I will pay it to you instead while establishing myself as a good borrower on Prosper.

My financial situation:
Excellent.??We have three credit card accounts.? Paypal, Expedia Citi and BofA.??I use the Expedia card for business travel (as it has great rewards) and the BofA has no meaningful balance and is only used in emergencies.???We have two cars (Honda Pilot - owned, Toyota Rav4 - $525 a month) and no other debt.? I am an SVP in the prepaid card market and earn an excellent living.? We have a nice savings account.

As for my credit rating, the Citi card may carry a higher balance?occassionally?depending on the reimbursement schedule from the company.? Otherwise, it is paid in full every month.??It is typically the reason?why my?score goes from 690 to 720 depending on the timing of the inquiry.

Finally,?10 years ago, we traded up into a big house amd got into something we could not afford.? Seeing the housing starting to peak,?we sold it at the top and have not entered into the market since.? However, we were late on some payments during that time (over 4 years ago).? The good news is that we did the right thing and paid our debts and got out while the market was still good.

Monthly expenses: $ 4,500
??Housing: $ 2700
??Insurance: $ 165
??Car expenses: $ 525 + gas
??Utilities: $ 190
??Phone, cable, internet: $ 150
??Food, entertainment: $ 1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451033
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,700.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 27.38% Starting borrower rate/APR: 28.38% / 30.73% Starting monthly payment: $278.51
 
Auction yield range: 11.04% - 27.38% Estimated loss impact: 10.68%  
Lender servicing fee: 1.00% Estimated return: 16.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1978 Debt/Income ratio: 13%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 9Length of status:31y 8m
Credit score: 720-739 (Mar-2010) Total credit lines: 32 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $8,513Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: bazaar-inspector Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
680-699 (Sep-2008)
 
Principal balance: $2,220.96 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
Pay off first Prosper loan plus....
Purpose of loan:
This loan will be used to pay off my first prosper loan and to help?with some family issues?that have come up recently. I need to assist my parents with some bills and other issues with elder care. I also need to help my daughter who is in graduate school.?

My financial situation:
I am a good candidate for this loan because , I have been with the same major company for over 20 years. I had a bankruptcy in 2001 due to a divorce but have since paid everything on time or EARLY since. I have three daughters, two of which have graduated college and are going back to finish their masters, my youngest is a junior in college. I take full responsibility for my bankruptcy in 2001 and I take full pride in knowing that I am credit worthy and dependable!? Thanks for your help! ?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451039
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 9.48% Starting borrower rate/APR: 10.48% / 10.83% Starting monthly payment: $487.40
 
Auction yield range: 3.04% - 9.48% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.97%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1994 Debt/Income ratio: 30%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:4y 0m
Credit score: 800-819 (Mar-2010) Total credit lines: 25 Occupation: Other
Now delinquent: 0 Revolving credit balance: $13,867Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 28%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: bill-thinker 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 our credit cards
Purpose of loan:
This loan will be used to? consolidate our credit card debt and pay our income taxes that are due this year.

My financial situation:
I am a good candidate for this loan because? my husband and I have a 2 income household and are never delinquent in making our monthly payments on our current credit cards. We make sure to pay all of our bills on time in order to keep our credit score at a high rating. We did our taxes and ended up owing this year, which is unusual for us, so we decided it would be more cost efficient for us to get a loan to consolidate what debt we do have and pay our taxes and then only have one monthly payment to take care of in the future. Please take into consideration that the listing only shows my income and does not include my husband's annual income of 31,600.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 308166
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.45% Starting borrower rate/APR: 26.45% / 28.78% Starting monthly payment: $506.63
 
Auction yield range: 11.04% - 25.45% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.82%  
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: Sep-2002 Debt/Income ratio: 29%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 10Length of status:3y 9m
Credit score: 680-699 (Mar-2010) Total credit lines: 21 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $3,519Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 18%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: ed180 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
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate my remaining credit commitments into a single payment. I have a citifinancial personal loan (high interest rate), store credit card and capital one credit card to consolidate with monthly payments totalling in excess of $500. I would like to reduce this by approximately $50 per month through consolidation.

My financial situation:
I am a good candidate for this loan I have shown a good track record of meeting my obligations over the last several years, I have a good income, am a home owner. I am not assuming additional debt in this loan and can easily make the payments.

Monthly net income: $ 4800

Monthly expenses: $ 3915
??Housing: $ 1950
??Insurance: $ 175
??Car expenses: $ 490
??Utilities: $?200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 381712
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $96.80
 
Auction yield range: 4.04% - 9.00% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.88%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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: Not calculated
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 4 / 4Length of status:0y 0m
Credit score: 740-759 (Mar-2010) Total credit lines: 9 Occupation: Student - College S...
Now delinquent: 0 Revolving credit balance: $4,364Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 13%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: mroc237 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
Student Expenses
Purpose of loan:
I am using this loan to pay off some credit card debt (about $1000) and some student loans.

My financial situation:
I am undergraduate business student and for one understand the vast importance of maintaining a good credit history. I do have an income as I have a work-study job at college and work for the Atlanta Braves part-time (the picture is of me taking batting practice at Turner Field). My income is not incredibly high but is more than sufficient to pay for this loan. Look at my credit history and you will see I have never once made a late payment on any account (I have had a credit card for the last four years). I have an extremely high credit score and prosper rating given my young age.

In addition to being a hard working student and employee who has never has made a late payment in his life I have very supportive parents and other family. If I really needed to in a worst case scenario I could ask them for the money to pay for this loan's payments. I do not forsee that happening though, as like I said I have sufficient income. I am also going to prosper first rather? than directly to family because I value being independent and responsible.

Please bid knowing that I will make all payments on time.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431498
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 21.50% Starting borrower rate/APR: 22.50% / 24.77% Starting monthly payment: $384.50
 
Auction yield range: 8.04% - 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: Nov-2001 Debt/Income ratio: 17%
Basic (1-10): 4 Inquiries last 6m: 10Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 7Length of status:3y 2m
Credit score: 760-779 (Mar-2010) Total credit lines: 19 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $144Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: branaa99 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 0 ( 0% ) 760-779 (Latest)
Principal borrowed: $7,500.00< mo. late: 0 ( 0% )  
740-759 (May-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 0  
Description
Home Improvement & Misc exp
Purpose of loan:
This loan will be used to pay some small repairs (like doors, touch up paint & some tile work)? for my new home i bought recently and use some portion of if to pay my wife's next Semester Tuition and student expenses as well.

My financial situation:
I am a good candidate for this loan because i have always paid my debt obligations on time and never delinquent on any of my accounts ever.?? Being a prosper lender i realize the importance of credit and financial responsibilities and will never let you down.? My credit card company has raised my interest rate from 7.99% to 14.99% recently.? I could have opt'ed out but then they'll close my account, which will negatively affect my credit score.? So I decided not to take any money from the credit card.

My wife is doing PhD in Chemistry and she is preparing to start her research work by next fall which will be funded by state government/university.?Then there wont be any tuition/student expense from my pocket.??

I'm planning to pay this loan within next 2 years (from tax refunds).

Monthly Income: $5200 (After taxes & 401k )

Total Expenses $4700
Mortgage: 2000
Utilities: 350?
phone : 50
Grocery : 600
Car, Insurance & Gas :800
Prosper :400 (future payment)
Entertainment : 200
Savings/emergency/Medical fund: 300

Even after all the expenses & savings i still have about $500 for other expenditures.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450744
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.04% - 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-1996 Debt/Income ratio: 33%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 9 / 8Length of status:8y 7m
Credit score: 640-659 (Mar-2010) Total credit lines: 32 Occupation: Nurse (LPN)
Now delinquent: 0 Revolving credit balance: $18,608Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: fairness-glider Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loThis loan will be used to pay off one 2 credit cards and pay down one finance company

My financial situation:
I am a good candidate for this loan because even though I have a lot of debt, I pay my bills on time

Monthly net income: $ 2500

Monthly expenses: $ 1113
??Housing: $ 671.91
??Insurance: $ 65
??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 450750
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,399.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 20.50% Starting borrower rate/APR: 21.50% / 23.76% Starting monthly payment: $280.66
 
Auction yield range: 17.04% - 20.50% Estimated loss impact: 35.66%  
Lender servicing fee: 1.00% Estimated return: -15.16%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1978 Debt/Income ratio: 13%
Basic (1-10): 1 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 23 / 22Length of status:9y 0m
Credit score: 660-679 (Mar-2010) Total credit lines: 63 Occupation: Executive
Now delinquent: 3 Revolving credit balance: $288,869Stated income:$100,000+
Amount delinquent: $7,358 Bankcard utilization: 100%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: merciful-deal4 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay Credit Cards
Purpose of loan:
This loan will be used to consolidate several small revolving credit accounts with high interest rates into one loan with a lower rate.
My financial situation:
I am a good candidate for this loan because I am steadily employed.? This loan will speed payoff of outstanding credit.

Monthly net income: $ $16,500

Monthly expenses: $
??Housing: $ 9,000
??Insurance: $?400
??Car expenses: $ 400
??Utilities: $ 400
??Phone, cable, internet: $?150
??Food, entertainment: $?250
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450756
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,600.00 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: $524.74
 
Auction yield range: 14.04% - 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: Aug-1991 Debt/Income ratio: 44%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 16 / 14Length of status:10y 4m
Credit score: 680-699 (Mar-2010) Total credit lines: 31 Occupation: Scientist
Now delinquent: 0 Revolving credit balance: $17,899Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 80%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: p2p-cake Borrower's state: NewMexico Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? pay of existing credit card debit.

My financial situation:
I am a good candidate for this loan because? I do make my monthly payments to my credit cards, but I am trying to pay off my credit cards.? Due to the high interest rates I am not making very much progress.? I divided the housing, insurance, car expenses,??utilities, and phone, cable, internet expenses in half since my wife works and we split these costs.? We each pay our own credit card bills though.

Monthly net income: $ 3063.80

Monthly expenses: $
??Housing: $ 450
??Insurance: $ 75
??Car expenses: $ 435
??Utilities: $ 75
??Phone, cable, internet: $ 60
??Food, entertainment: $ 200
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 550
??Other expenses: $ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450762
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $904.31
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.90%  
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: Aug-1999 Debt/Income ratio: 57%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 16 / 14Length of status:5y 0m
Credit score: 640-659 (Mar-2010) Total credit lines: 34 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $28,886Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 65%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: brightest-gallant-velocity Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debit Consolidation
Purpose of loan: I currently have some credit cards that have jacked my interest rates up to about 19%.? I have never carried debt before the last year or so, however we had a business that we dumped a lot of money into, mostly on all my credit cards.? We have since closed the business.? I have never missed a payment or not made a payment.? However the interest is killing me.?

My financial situation:
I have great credit, no account has ever been in collections.? I have never been delinquent.? I have 10 years of great pay history and no mistakes.? The only thing is my debt ratio is high because I borrowed a lot of money for our business, that we have since? closed down.

Monthly net income: $
4500
Monthly expenses: $
??Housing: $ 0 (our housing is paid for by our church)
??Insurance: $ 169
??Car expenses: $ 300
??Utilities: $ 150
??Phone, cable, internet: $ 210
??Food, entertainment: $ 400
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 1000
??Other expenses: $ 0
undefined 
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450768
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $904.72
 
Auction yield range: 17.04% - 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: Mar-1988 Debt/Income ratio: 6%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 2 / 2Length of status:2y 4m
Credit score: 720-739 (Mar-2010) Total credit lines: 9 Occupation: Doctor
Now delinquent: 0 Revolving credit balance: $0Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 2/ 6 Homeownership: No  
Delinquencies in last 7y: 2    
Screen name: agreement-transformer Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying settlement
Purpose of loan:
This loan will be used to?? Pay off a settlement on a judgement.I have been
paying $1,500 monthly on this judgement.
My financial situation:
I am a good candidate for this loan because?? I have a good income but credit problems in the past. If I can clear this judgement I can move forward to get a house. I am anxious to move on and have augmented my income with a moonlighting job.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450792
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 36.00% / 38.47% Starting monthly payment: $91.61
 
Auction yield range: 14.04% - 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: Nov-2003 Debt/Income ratio: 21%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 5 / 5Length of status:1y 11m
Credit score: 640-659 (Mar-2010) Total credit lines: 8 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: commanding-dough Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for college tuition
Purpose of loan:
This loan will be used to? pay off a college remaining balance from a previous semester.

My financial situation:
I am a good candidate for this loan because? I make decent money, I manage money well and this loan will help me pay off an existing debt to a college so I can continue to further my education.????

Monthly net income: $ 30,000

Monthly expenses: $
??Housing: $?0
??Insurance: $ 143
??Car expenses: $ 367
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 100
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450800
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,225.00 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: $100.65
 
Auction yield range: 17.04% - 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: Nov-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 4Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 11 / 10Length of status:2y 9m
Credit score: 660-679 (Mar-2010) Total credit lines: 20 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $9,336Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: caring-community03 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
Help me grow my expanding business
I have grown a successful training and financial research business purely by word of mouth. I now want to expand my business with an aggressive advertising/promotional campaign with a novel concept where the key is executing now.??It is all about timing.? Now it the perfect time to execute.? This is what the money will be used for. A blitz Print/PR/Advertising campaign. If the campaign does not work, I can easily pay the monthly loan fee as my business is stable as is.? If the campaign is a success I will pay off the loan very quickly.? I would not need the loan if the economy was not so bad.? I think a bank would not have a problem lending under normal economic circumstances.? Please?help.??I am never delinquent.? I always pay back.? Always.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450804
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $23,689.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $856.89
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 35.44%  
Lender servicing fee: 1.00% Estimated return: -18.40%  
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: May-2001 Debt/Income ratio: 31%
Basic (1-10): 1 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 4 / 4Length of status:17y 7m
Credit score: 720-739 (Feb-2010) Total credit lines: 7 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: CarlosCespedes Borrower's state: Florida Borrower's group: Global Group - Fast Same Day Approval -
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 25 ( 100% ) 720-739 (Latest)
Principal borrowed: $3,500.00< mo. late: 0 ( 0% )  
700-719 (Dec-2009)
720-739 (Oct-2009)
720-739 (Sep-2009)
640-659 (Jul-2008)
 
Principal balance: $1,225.62 1+ mo. late: 0 ( 0% )
Total payments billed: 25  
Description
Help I must pay ballon payment
???? I can make easily this monthly payment with 3 partime jobs I have in Hotels and Miami Jewish Home and the income of my rental
properties (5000 monthly) If you have any question feel free to ask me.It is hard to get small loan with a bank for real estate transactions
this is why I use prosper.You can ask my lenders about accuracy in my payments (info provide if requested)

Purpose of loan:
???? The purpose of this loan is payoff a balloon payment of 20k in a hard equity loan I have in a property (address provided if requested)
interests I have is 18% and I never make a late payment and I pay in advance 2 month.one thousand dollars will be used for payoff a prosper loan.


My financial situation: I am a Prosper member for more than 4 years in both spheres lending and borrowing.Now I have? 40 notes lent.
I am a good candidate for this loan because? I have loans and ?I lent money in prosper even today,means prosper knows me very well I payoff a loan already,and almost the other one (second) is pay off soon .I am a heavy worker.My income is around 6000 monthly after paying utilities and basic needs left is around 2000,that I used to remodelated properties now everything is done.I work as a bartender and banquet server in differents locations Miami Jewish Home,Hotel Alexander,The Palms Hotel
and when? I am not working I work for myself taking care of my properties and tenants.I do not have vacants all is rented out in full.I do my repairs and improvements
from A-z.my debt with prosper I pay monthly is only 100 and the balance is 1000.I have enough income to payoff this loan.I do stock market with Sogotradein my leaisure time
and Zecco.I love gardening and I do part time with my neighbors.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450810
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $63.95
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1980 Debt/Income ratio: 37%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 15 / 15Length of status:13y 8m
Credit score: 720-739 (Mar-2010) Total credit lines: 61 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $21,835Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 74%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: brightest-transparent-truth 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
Bridge loan
Purpose of loan:
This loan will be used to pay down some of my credit cards to lower my monthly payments.

My financial situation:
I am a good candidate for this loan because my FICO score is good and I have been paying all my debts on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450828
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 36.00% / 40.18% Starting monthly payment: $45.80
 
Auction yield range: 14.04% - 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-1982 Debt/Income ratio: 36%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 4 / 4Length of status:16y 5m
Credit score: 600-619 (Mar-2010) Total credit lines: 11 Occupation: Other
Now delinquent: 4 Revolving credit balance: $13,064Stated income:$25,000-$49,999
Amount delinquent: $6,423 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: aklamoo 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: 23 ( 96% ) 600-619 (Latest)
Principal borrowed: $3,000.00< mo. late: 1 ( 4% )  
600-619 (Feb-2010)
640-659 (Feb-2008)
 
Principal balance: $1,131.91 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Extensive Dental work
Purpose of loan:
This loan will be used to?
?My Dental Insurance does not cover all
of the Dental work that need to be done

My financial situation:
I am a good candidate for this loan because
I have been paying the other loan?

Monthly net income: $
2100-23 with overtime
Monthly expenses: $
??Housing: $ 800
??Insurance: $ 60
??Car expenses: $ 80
??Utilities: $ 150
??Phone, cable, internet: $?100??Food, entertainment: $?200??Clothing, household expenses $ 40
??Credit cards and other loans: $?100
??Other expenses: $? total
?? Total $1540.00 a mo approx.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450840
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,300.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 12.35% Starting monthly payment: $242.46
 
Auction yield range: 3.04% - 11.00% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 9.49%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 12 / 11Length of status:0y 9m
Credit score: 860-879 (Mar-2010) Total credit lines: 34 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $1,599Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 2%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: M_Squared-CEO 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
Tax bill help!!
Purpose of loan: I need help paying for my taxes this year. I have a bill of $10,300 and I can only shell out $3000 this month as I just paid my property taxes. I'm trying to raise the additional $7,300 for my tax bill with your assistance. It is my goal to repay this loan with 4 months. As you can see in my financial, this payback projection is certainly doable. I have a flawless credit history and has never been late for any payments... I believe this makes me a good candidate for this loan. Thank you very much for you support! My personal fiancials Total monthly household income = $9,430 Personal Income = $5,000 Mortgage = $1,563 (fully amortized - total out standing balance $135,654 prop. val $412,000) Community HOA - $150 Gas/Electricity - $75 Water - $40 Car Insurance - $150 ( all cars paid for) phone cable internet = $99 Combined CC outstanding balance = $1761
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450852
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 17.04% - 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-1998 Debt/Income ratio: Not calculated
Basic (1-10): 1 Inquiries last 6m: 7Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 15 / 15Length of status:24y 2m
Credit score: 740-759 (Mar-2010) Total credit lines: 31 Occupation: Construction
Now delinquent: 1 Revolving credit balance: $9,649Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 59%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: supreme-bazaar4 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
Working Capitol
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 450864
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,800.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $121.51
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 9 / 8Length of status:4y 1m
Credit score: 720-739 (Mar-2010) Total credit lines: 19 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $59,700Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 65%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: loan-spartan8 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 a credit card
Purpose of loan:
This loan will be used to? Pay off my Bank of America card, because they raised the interest.? I have enjoyed?a perfect record with all my accounts, but because some other creditors lowered my available credit line, BOA raised their rate.?BOA does not want to lower it, even though I never violated our agreement in any way.?

My financial situation:
I am a good candidate for this loan because? I have?never failed to make any loan payment, ever.? I do have a small business that is slower than it was.???I think it will pick up soon, as it is somewhat seasonal.?I am?looking to refinance the high rate cards I have now, which will let me retire them faster.? If I had a better?interest rate, I could pay?cards off sooner, with the proceeds from my business.? I am already making?a larger?payment than I would be making to?Prosper. The business is professional practice, and was doing well before the recession started.?I was paying down balances at that time.? Even with the economy,?my business debt only grew?0.7% for 2009.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450884
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 31.32% Starting borrower rate/APR: 32.32% / 34.73% Starting monthly payment: $568.52
 
Auction yield range: 11.04% - 31.32% Estimated loss impact: 10.79%  
Lender servicing fee: 1.00% Estimated return: 20.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2003 Debt/Income ratio: 53%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 10Length of status:6y 6m
Credit score: 700-719 (Mar-2010) Total credit lines: 22 Occupation: Other
Now delinquent: 0 Revolving credit balance: $9,116Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 45%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: luke0000 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 38 ( 100% ) 700-719 (Latest)
Principal borrowed: $18,000.00< mo. late: 0 ( 0% )  
740-759 (Aug-2008)
760-779 (Apr-2007)
 
Principal balance: $5,466.53 1+ mo. late: 0 ( 0% )
Total payments billed: 38  
Description
Finishing Kitchen and Nursery
Description:
I am currentley employed full time with a Casino, I have been employed full time with the same employer for the last 6 1/2 years. My wife is also employed full time as a teacher and has been with the same employer for the last 4 yrs. My debt to income ratio has went up because I co-singed a credit card for my sister so she could finish college because she was unable to obtain a loan herself. ?

Purpose of loan:
I will be using this loan as follows,
$5,466.00 of the loan will be used to pay off my existing prosper loan. The remainder will be used to finish updating my kitchen, which I was not able to completly finish with the previous loan and add on a baby nursery.

My financial situation:
I have been employed full time with the same employer for about?6 1/2?years and make approximatley $2300.00 monthly. My wife is a teacher and makes approximatly $3000.00 monthly which is not calculated into my anuual income as per prosper requires you to put only your own income. I currently have one existing loan through prosper which I have never made a late payment on and I had a previous loan through prosper which I also never made a late payment on. This will be my third loan through prosper.

Monthly expenses: $
??Housing: $ 750.00 ????
??Insurance: $ 135.00
??Car expenses: $ 200.00 (gas) We do not have a car payment
??Utilities: $ 100.00 for electric, we do not have a water or gas bill. We have our own well and we use propane which was filled a couple of months ago.
??Phone, cable, internet: $ 100.00 I do not have cable or satellite
??Food, entertainment: $ 300.00
??Credit cards and other loans: $ 150.00

With my expenses, I will be left with $565.00 a month to pay on this prosper loan which does not include my wifes income. With my wifes income I clearly can make the payment. I have been a borrower through prosper since 2007 and have never made one late payment. I am relisting this loan at a higher percentage rate in hopes that my spotless payment record will be taken into consideration. Thank you.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450896
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $361.72
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 25.94%  
Lender servicing fee: 1.00% Estimated return: -8.90%  
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: Oct-1980 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 6 / 6Length of status:23y 9m
Credit score: 640-659 (Mar-2010) Total credit lines: 17 Occupation: Other
Now delinquent: 0 Revolving credit balance: $18,387Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Haic 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
Working Capital
Long Term - Short Term Working Capital I realize the banks are beginning to thaw but are still not making themselves available to firms such as myself with reasonable terms. As a person that came here in its early inception (prosper.com, as I had even started a group) as an actual investor, not a borrower, I thought this would be a great place to start a relationship that could lead to making many folks very happy with their loan decision with my company and hopefully continue to support once started and the stocks fly. This would be a great alternative to the current banking protocol for one seeking a LOC. as the game would at least benefit a larger number of people who care rather than a couple. I have a focused plan, have some new products never seen before and have just signed on with one of the most well known firms in the wall and floor business. As one that has never had active sales personnel, with this current arrangement, I now have 50 of which all are drawing base of 6 figures. I would be happy to discuss my work further and as a person familiar with this concept, I would be happy to elaborate and allow a versed person or representative of the site to convey who and what I am here looking for so that they could come back and give a fair analysis. A site visit would also be great too, as it not only demonstrates stability but also the growth potential. AND...the credit score does not reflect my timeliness of payment. A forced BR in 02 from debt carried from a 1992 S&L default drops next summer and I have used 30k in CC debt therefore I am upside down on my credit balance sheet. I have two government jobs, one in Dallas(contract signs next week) and one in Chicago (waiting word now but by March 31 for great deal) that occur in the next two months totaling 92k that offset bills, but have had no big work since October, a main reason for my recent involvement with this sales firm as to help cash flow. How serious am I...I sold my home and moved into rent situation, lowering my overhead by 75% in addition to being 2 minutes away from my office....I have 12k square feet, over 350,000.00 in equipment and materials and just completed a couple of projects that would blow your mind! It does not get any better than that! I Live and Love my work and ANYONE that visits will leave with total understanding. I helped raise two beautiful children, son, 4.0 EE, daughter 3.8 bio chemistry
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450908
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,900.00 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: $546.17
 
Auction yield range: 17.04% - 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: Mar-1997 Debt/Income ratio: 14%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 6 / 6Length of status:3y 3m
Credit score: 740-759 (Mar-2010) Total credit lines: 17 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $81,867Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: velocity-buckeye Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Putting in a pool
Purpose of loan:
Hi everyone!

We?would like?to put a pool into our home that we built in 2007.? We have saved a down payment of $8000 but still need an additional $14,900 to put the pool in.? We miss the family pool time that we had in our old home and would like to provide that for our family once again.? We have been in the new home for 2 1/2 years and would really like to be able to get the pool in this year before summer.

My financial situation:
We are a good candidate for this loan because we pay our bills.? We both have good stable jobs in this economy and make more than we spend.? We have a good fixed interest rate on our home with a mortgage payment of only $1450 per month.

Thank you for taking a moment to look at our request...have a great day!!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450914
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $115.75
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.90%  
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: Oct-1985 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 6Length of status:1y 5m
Credit score: 660-679 (Mar-2010) Total credit lines: 32 Occupation: Other
Now delinquent: 0 Revolving credit balance: $18,305Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 76%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: impressive-peso0 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
Mercedes 1977 240dl
Purpose of loan:
This loan will be used to?
finance a car to use on occasion.
My financial situation:
I am a good candidate for this loan because?
I am responsible person and take my credit seriously.
Monthly net income: $
1800
Monthly expenses: $
??Housing: $ 350
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $250
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450926
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 31.32% Starting borrower rate/APR: 32.32% / 34.73% Starting monthly payment: $1,093.31
 
Auction yield range: 11.04% - 31.32% Estimated loss impact: 10.79%  
Lender servicing fee: 1.00% Estimated return: 20.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1972 Debt/Income ratio: 44%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 21 / 21Length of status:16y 6m
Credit score: 760-779 (Feb-2010) Total credit lines: 37 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $38,199Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 40%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: favorable-integrity199 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
Putting in a new a media room
Purpose of loan:
This loan will be used to remodel my gameroom and turn it into a Home theater/media room?which will be used when I host the shepard group from?our church?at our home.

My financial situation:
I am a good candidate for this loan because I have a perfect credit history and the income from my employment as a teacher as well as the income from my business will be more than enough to cover the monthly payments for this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450932
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% - 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: Aug-2002 Debt/Income ratio: 44%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Retired
Enhanced (1-5):2 Current / open credit lines: 7 / 6Length of status:2y 9m
Credit score: 640-659 (Mar-2010) Total credit lines: 16Stated income:$25,000-$49,999
Now delinquent: 0 Revolving credit balance: $1,852 
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: pcrepair Borrower's state: Ohio Borrower's group: Have Money - Will Bid
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 17 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
620-639 (Feb-2010)
600-619 (Jul-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Pay off 60% of my debts
Purpose of loan: Paying off truck???and?50% of?my debts?

My financial situation:
I am retired Navy veteran and on social secuity and I also build,repair,upgrade computers

Monthly net income: $ 3600

Monthly expenses: $ 1000
??Housing: $ 200
??Insurance: $ 110
??Car expenses: $ 110
??Utilities: $ 180
??Phone, cable, internet: $ 130
??Food, entertainment: $ 120
??Clothing, household expenses $80
??Credit cards and other loans: $ 200
??Other expenses: $ 486 Truck Payment
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450938
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $278.73
 
Auction yield range: 17.04% - 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: Oct-1998 Debt/Income ratio: 31%
Basic (1-10): 3 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 14 / 12Length of status:6y 3m
Credit score: 640-659 (Mar-2010) Total credit lines: 21 Occupation: Civil Service
Now delinquent: 0 Revolving credit balance: $8,974Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 74%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: mogul438 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
credit card
Purpose of loan:
This loan will be used to? my loan will be used to pay off credit card debt and a small loan i have with a private company. i figured between all my interest rate combined with all of these loans is much higher then it would be with a debt consolidation loan, allowing me to pay off my debt possibly sooner and at a much lower rate. this in turn, would allow to pay off my debt sooner because my i would make one large payment to one company instead of all the ones i have.

My financial situation:
I am a good candidate for this loan because? because i pay all my bills on time and am tryin to get back on track with my finances

Monthly net income: $ 4850.00

Monthly expenses: $
??Housing: $ 971.00
??Insurance: $ 100.00
??Car expenses: $ 500.00
??Utilities: $?75??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $?50.00??Credit cards and other loans: $ 500.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450940
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
 
Auction yield range: 17.04% - 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-2000 Debt/Income ratio: 22%
Basic (1-10): 5 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 9 / 9Length of status:5y 7m
Credit score: 660-679 (Mar-2010) Total credit lines: 30 Occupation: Other
Now delinquent: 0 Revolving credit balance: $6,304Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 86%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 6    
Screen name: aorozco Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off old debt
Purpose of loan:
This loan will be used to? pay off old debt. got most of the funds from 401k now need a little more to complete funds

My financial situation:
I am a good candidate for this loan because? i am responsible and pay all my bills on time.? i have the means to pay the loan back.? i am willing to provide referrences.? let me know if you have any questions or concerns or anything i can do let me know.also i own 2 vehicles worth 2500.00 and just want to avoid the high interest rates of a title loan.? thank you for your support.
Monthly net income: $ 2200 sps 1600 rent room $300

Monthly expenses: $
??Housing: $ 1175
??Insurance: $ 240
??Car expenses: $390 car payment?210 gas?
??Utilities: $ 300
??Phone, cable, internet: $ 150 & 180 cell
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450944
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 17.50% Starting borrower rate/APR: 18.50% / 20.72% Starting monthly payment: $910.09
 
Auction yield range: 17.04% - 17.50% Estimated loss impact: 35.47%  
Lender servicing fee: 1.00% Estimated return: -17.97%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2006 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 3Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 5 / 5Length of status:5y 1m
Credit score: 660-679 (Mar-2010) Total credit lines: 6 Occupation: Other
Now delinquent: 0 Revolving credit balance: $9,801Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 49%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: currency-sapling5 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
Algorithm Development
Purpose of loan:
This loan will be used to develop new, more effective algorithms for currency arbitrage opportunities.? I manage a Foreign Exchange fund that specializes in this and I am looking to refine the process we use to find suitable transactions for clients.

My financial situation:
I am a good candidate for this loan because I have never missed a payment on any loans/credit cards.? I have ample excess income for this loan as well.? I live modestly and save my money.

Monthly net income: $

Monthly expenses: $
??Housing: $ 893
??Insurance: $ 80
??Car expenses: $ 150
??Utilities: $ 50
??Phone, cable, internet: $ 120
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450952
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 27.24% Starting borrower rate/APR: 28.24% / 30.59% Starting monthly payment: $124.48
 
Auction yield range: 11.04% - 27.24% Estimated loss impact: 10.68%  
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-1989 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Not employed
Enhanced (1-5):4 Current / open credit lines: 5 / 4Length of status:1y 2m
Credit score: 720-739 (Mar-2010) Total credit lines: 16Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $19,422 
Amount delinquent: $0 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: revenue-champion0 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
payoff bills
Purpose of loan:
This loan will be used to?
pay off a debt
My financial situation:
I am a good candidate for this loan because?
I have other income
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450958
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% - 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: Mar-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 10 / 10Length of status:7y 6m
Credit score: 700-719 (Mar-2010) Total credit lines: 23 Occupation: Other
Now delinquent: 0 Revolving credit balance: $11,982Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 67%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 5    
Screen name: safe-integrity9 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
Trading Money
Purpose of loan:
This loan will be used to? Traade with software I bought and a Trading Service.

My financial situation:
I am a good candidate for this loan because? The Trading Service has made in just the last 3 months over 500% and should be able to make the payments with that money. It has made over 5600% in 2.5 years non compounded

Monthly net income: $ 1200

Monthly expenses: $ 1700
??Housing: $ 800
??Insurance: $ 70
??Car expenses: $300
??Utilities: $
??Phone, cable, internet: $ 25
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 350
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450962
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% - 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: Sep-2003 Debt/Income ratio: 66%
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 7 / 6Length of status:0y 6m
Credit score: 640-659 (Mar-2010) Total credit lines: 21 Occupation: Biologist
Now delinquent: 0 Revolving credit balance: $4,472Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: reflective-euro0 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
pay off my credit cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $ 200????????????????
??Insurance: $ 130.95
??Car expenses: $ 486.62
??Utilities: $
??Phone, cable, internet: $ 120
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450964
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 21.00% Starting borrower rate/APR: 22.00% / 24.26% Starting monthly payment: $381.90
 
Auction yield range: 17.04% - 21.00% Estimated loss impact: 19.19%  
Lender servicing fee: 1.00% Estimated return: 1.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2006 Debt/Income ratio: 34%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):2 Current / open credit lines: 1 / 1Length of status:2y 11m
Credit score: 720-739 (Mar-2010) Total credit lines: 2 Occupation: Other
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: new-wealth-futurist Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Real Estate Investment!
Purpose of loan:
I'm seeking a loan to invest into real estate properties which will jumpstart my entrepreneurial ventures.

My financial situation:
Although I've had somewhat of a rocky start when I was younger, I've matured mentally and financially. And I am now ready to assume financial responsibilities of real estate?in order to invest in that field and prosper.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450968
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.02% Starting borrower rate/APR: 10.02% / 12.13% Starting monthly payment: $64.55
 
Auction yield range: 4.04% - 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-1999 Debt/Income ratio: 69%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 22 / 21Length of status:4y 3m
Credit score: 700-719 (Mar-2010) Total credit lines: 39 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $47,328Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 83%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: felicity-genius 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
Post Cancer Consolidation
Purpose of loan: Pay off hospital bills from 4-years of cancer treatments
I am a happy, now-healthy, marathon running cancer survivor. This loan will be used to consolidate the debt I have accumulated from costs associated with my treatment that were above what my insurance covered. Four years of treatment have been pretty pricey, especially considering I am only four years out of college. I had to put $19,543.21 on two high interest credit cards at a rate of 28.99%

Since I have been trying to get a Prosper loan my credit score has already improved! I plan to use this loan in the amount of $2000 to "prove" that I can pay a larger amount one in the future.

Also, my employer just changed insurance providers on Jan.1 and this new insurance is MUCH more comprehensive. In the event that my cancer returns, I wouldn't have even half of the out of pocket expenses. I am also enrolled in a new study (as of Oct 30) which also pays for extra costs. I have been on the waiting list for this study for a long time - had I gotten in a year ago, I would have accumulated MUCH less debt.

Much of my other revolving debt is a student loan which I used a special Citi offer to take a loan against a credit card at a rate of 3.8%.

My financial situation: Way better than it seems
The quality of my work has kept me employed even though I have had to take a few periods of part-time pay due to my treatment. Since July 2009 I have been able to consistently work full time and my W-2's will reflect a much different (higher salary) year this year than the last three! I just celebrated 3-mon of remission! Going forward it's onward and upward!

Monthly net income: $3000
Monthly expenses: $2000

ASK any questions, please bid on me!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450970
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $159.88
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1983 Debt/Income ratio: 38%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 25 / 20Length of status:4y 2m
Credit score: 740-759 (Mar-2010) Total credit lines: 56 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $37,017Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 22%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: revenue-werewolf Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used?to consolidate and pay off credit?cards.? My wife lost her job?about two years ago due to a blood condition known as CLL.? My son also recently lost his job and moved back in with us.? He has another job now and is helping with bills but we got behind in the process.

My financial situation:
I am a good candidate for this loan because I have not been late on any bills for over 30 years.? I have an excellent employment history and am currently employed with a stable company and have over 20 years experience in personnnel management.? Up until my wife lost her job, we have always had excellent credit ratings.? We can pay the bills now but I would rather pay a lower interest rate to an individual than the high rates credit cards currently charge.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450986
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $743.27
 
Auction yield range: 17.04% - 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: May-1989 Debt/Income ratio: 24%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 9 / 9Length of status:4y 5m
Credit score: 760-779 (Mar-2010) Total credit lines: 21 Occupation: Realtor
Now delinquent: 0 Revolving credit balance: $21,275Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: integrity-fox1 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
Round Rock Office Start Up
Purpose of loan:
This loan will be used to?
We have been granted the exclusive right to seel/lease a new office condominium development in Round Rock, TX. We need start up capital to establish a presence on the development site. We have secured an inexpensive office to lease at $800/month and expext to be on site by April 1, 2010.
My financial situation:
I am a good candidate for this loan because? I have a good credit history and the return on this opportunity is tremendous.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450988
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2006 Debt/Income ratio: 22%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 5 / 5Length of status:4y 2m
Credit score: 620-639 (Mar-2010) Total credit lines: 7 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $2,320Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 100%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: positive_change Borrower's state: Oregon Borrower's group: 1st and BEST for Loans
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 96% ) 620-639 (Latest)
Principal borrowed: $3,100.00< mo. late: 1 ( 4% )  
600-619 (Feb-2010)
600-619 (Jan-2010)
520-539 (Jan-2008)
 
Principal balance: $1,345.09 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
RELIST:2nd LOAN NO DELINQUENCIES
Purpose of loan:
The purpose behind this loan is to consolidate my 1st prosper loan and my 2 credit cards into one monthly payment as well as provide me with a new computer for school.

My financial situation:
I am a wise investment because, despite what my credit score says, I am very good at paying my bills. As you can see by my previous prosper loan. The reason my most recent payment was considered late was because I was short 5 dollars in my bank account and was getting paid that night, so my bank sent the payment back and I was charged...but I had never missed a payment before that it was just one of those once in a blue moon events.

I currently go to school for apparel design, so part of this loan will be used to purchase a new laptop that is capable of running the design programs necessary to complete my assignments, the computer I have now has been deemed the household computer so it is not always available.[My school is paid for by student loans]
On top of school I also work full time as a manager for a shoe store As you can see from my previous prosper loan I'm very good when it comes to making payments, like I said the reason for my high risk rating is because of my credit card balances, I have no delinquencies and am very dependable when it comes repaying my debt especially when it is to real people.By getting this prosper loan I will be able to pay off both my credit cards, my previous prosper loan and buy a computer for school, thus consolidating most of my bills into one monthly payment which will make it easier to keep on top of everything here at the house.
Thank you for taking the time to look at my loan, feel free to ask me any questions. I appreciate any help you can provide.This is how the money will be used

prosper loan- 1350
credit card 1- 1650
credit card 2- 600
computer- 1200
Monthly expenses: $ 1014.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451000
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,800.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 23.31% Starting monthly payment: $105.58
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-2000 Debt/Income ratio: 8%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:1y 2m
Credit score: 660-679 (Mar-2010) Total credit lines: 15 Occupation: Other
Now delinquent: 0 Revolving credit balance: $5,640Stated 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: 2b_DebtFree Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off My Credit Card
Purpose of loan:
This loan will be used to pay off my credit card.

My financial situation:
I am a good candidate for this loan because I have a high interest rate and have been trying to pay this card off for a long time.? I am only able to make the minimum payments, but I have not defaulted on my payments. My husband and I both have some medical expenses that prevent me from being able to pay more. With the interest rate being so high, it's difficult for me to actually get this paid off.?

Monthly net income: $ 3034.92

Monthly expenses: $ 2815
??Housing: $ 1808
??Insurance: $ 37
??Car expenses: $ 120
??Utilities: $ 75
??Phone, cable, internet: $ 130
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 295
??Other expenses: $ 1600 (this is a medical expense)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451004
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $384.51
 
Auction yield range: 17.04% - 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-1995 Debt/Income ratio: 6%
Basic (1-10): 1 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 2 / 1Length of status:3y 4m
Credit score: 640-659 (Feb-2010) Total credit lines: 11 Occupation: Engineer - Mechanic...
Now delinquent: 2 Revolving credit balance: $0Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 9    
Screen name: Peaceful-Warrior Borrower's state: NewHampshire Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Car Repairs-Paying American Express
Loan Purpose:
Pay AmEx off in Full after unplanned serious expenses.? They require payment in full each month.? I don't have the full amount or the ability to roll the debt over to the next month.? (all payments have been on time or early, except when I was unemployed in 2006 which?is ?how I ended up being an HR rating)? This loan will allow me to pay the balance over time.

I?m single person, out of a long term relationship, starting over. Furniture and other miscellaneous expenses put it on my AmEx.? I have been rolling over the debt and lowering the balance, never late $0 revolving credit.?

I found myself needing to get serious car repairs: Wheel Bearings, Brakes, Clutch, Transmission Work, Tires, and more. Runs great now, but I had to use AmEx. I need the car to get to work and now with a much higher balance I can?t role the debt over. (I own the car)

Prosper makes me seem like a risky investment (HR), but there is more to people than ratings. This loan will?reduce payments, save money, rebuild credit, reduce stress and help me sleep at night. With your help I will succeed. Thank you for your help. It will be worth it for you! Have questions? Please ask.

I?m Worth the Risk / Financial Situation: $2240 to pay loan
I have been in a good job for the past 3+ years with a stable company. Paying off AmEx leaves me the money for the loan: $4300 income - $2060 expenses = $2240 expendable.?The only money I will owe will be this loan.? DTI =?6% including this loan.?I?can easily afford to pay this loan, so?you making money is a sure thing.?

As an Eagle Scout I learned personal responsibility. I am responsible for borrowing this money as well as paying it back.

In 2006 I lost my job due to a plant closure. Credit cards were low priority. Once employed again, I worked with the creditors; 2 offered settlements and the 3rd a payment plan, back on track for the past few years. Applying to my CU I found errors in my credit report: still shows 2 now delinquent and $0 delinquent. I am in the long process of making the corrections. Finding Prosper, I would rather pay real people (people helping people). I used to have 720+ credit and I want that again. Repaying this loan will definitely reprove my credit worthiness.

Monthly Net Income: $4300
Monthly expenses: $2060
Housing, all utilities: $830
Gas, Car Insurance: $380
Food, entertainment, household: $545
Other: $305 (payment plan)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451006
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% - 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: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 4 / 4Length of status:17y 11m
Credit score: 660-679 (Mar-2010) Total credit lines: 21 Occupation: Other
Now delinquent: 1 Revolving credit balance: $4,725Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 18    
Screen name: gst1 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: 24 ( 83% ) 660-679 (Latest)
Principal borrowed: $4,500.00< mo. late: 5 ( 17% )  
600-619 (Sep-2007)
580-599 (May-2007)
 
Principal balance: $1,178.72 1+ mo. late: 0 ( 0% )
Total payments billed: 29  
Description
paying down cards and taxes
Purpose of loan:
This loan will be used to?? I will use this money to pay down?credit cards, pay off FIRST PROSPER LOAN ($1,000 balance on $4,500). I will use?the rest?of it to pay some of my income tax for this year.

My financial situation:
I am a good candidate for this loan because?? Have been working for myself for more that 17 years.?Pay my bills on time. This is my second loan from prosper. Payments are on time. I had a bankruptcy 4 years ago that is the reason for my low score. I have moved past it and?am current on all my bills INCLUDING PROSPER.

Monthly net income: $ $3500

Monthly expenses: $ 3000
??Housing: $?850
??Insurance: $ 400
??Car expenses: $ 300?
??Utilities: $ 400
??Phone, cable, internet: $
??Food, entertainment: $ 650
??Clothing, household expenses $
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451012
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,059.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 21.38% Starting borrower rate/APR: 22.38% / 26.00% Starting monthly payment: $40.65
 
Auction yield range: 11.04% - 21.38% Estimated loss impact: 10.52%  
Lender servicing fee: 1.00% Estimated return: 10.86%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 7 Inquiries last 6m: 5Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 22 / 14Length of status:3y 1m
Credit score: 700-719 (Mar-2010) Total credit lines: 56 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $120,971Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: repayment-orbit 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 A CREIDIT CARD DEBT
Purpose of loan:
This loan pays off a portion of my higher interest Barclays credit card debt.
There's more debt to be financed at very attractive rates if this one goes successfully.
I APPRECIATE YOUR SUPPORT!

My financial situation:

NOTE: My Credit Card Debt is LESS THAN 60% of the Reported Revolving Credit Balance of $120,791
As Explained Here:Revolving Accounts May Be Lowering Your Credit Scores

ALWAYS CURRENT on Monthly Payments: 56 (Incl. Closed/Paid off) Revolving Lines of Credit
High Monthly IncomeRelatively High Credit Score (Experian 710+)

Monthly net income: $11,341

Monthly expenses: $
Housing: $4,100
Insurance: $140
Car expenses: $0 <- Own my car free and clear!
Utilities: $150
Phone, cable, internet: $120
Food, entertainment: $350
Clothing, household expenses $100
Credit cards and other loans: $1370
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451024
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 33.50% Starting borrower rate/APR: 34.50% / 36.95% Starting monthly payment: $89.91
 
Auction yield range: 11.04% - 33.50% Estimated loss impact: 10.85%  
Lender servicing fee: 1.00% Estimated return: 22.65%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1996 Debt/Income ratio: 3%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 1 / 1Length of status:4y 0m
Credit score: 660-679 (Mar-2010) Total credit lines: 14 Occupation: Student - Community...
Now delinquent: 2 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $1,565 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 9    
Screen name: eloquent-exchange 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
Erase Debt And Pay For College
Purpose of loan: I have two debts left on my credit report that need to be paid.? any and all that are on my credit report are from medical bills when I did not have a job with health insurance and was stuck to pay the whole bill, went to collections and here I am paying the price for it.? this will be for pay off those two debts as well as college, I am in school full time to be an engineer and need all the help I can get.



My financial situation:
I am a good candidate for this loan because? I always always pay back what I owe.? my car is paid off, I pay off my college tuition each quarter it is due and do not take out loans.? I have a full time job that I have been employeed at for four, going on five years and business is not slowing down at all.? this loan will help me with that extra cash flow I need for school as well as help me show "revolving debt" on my credit history that will reflect positively for me and help my score go up further.

Monthly net income: $ 2500 dollars per month after taxes and insurance

Monthly expenses: $
??Housing: $? live with folks,?free rent while in college
??Insurance: $ 100 dollars per month for car insurance
??Car expenses: $ 0, car is paid off.? pay?140 dollars per month for?gas
??Utilities: $ 0
??Phone, cable, internet: $? cell phone, cable, internet I pay 180 per month?as I pay for everyone in house hold's phone bills?
??Food, entertainment: $ none, study study study
??Clothing, household expenses $ none
??Credit cards and other loans: $ two and they are on my credit report, with this loan they will be gone
??Other expenses: $ none

thanks again all for taking the time to read my loan request.? I will make every effort to pay back within 18 months because it will report better.? take care and god bless!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451030
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% - 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: Dec-1988 Debt/Income ratio: 30%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 7Length of status:9y 7m
Credit score: 700-719 (Mar-2010) Total credit lines: 42 Occupation: Professional
Now delinquent: 2 Revolving credit balance: $3,897Stated income:$50,000-$74,999
Amount delinquent: $230 Bankcard utilization: 58%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 26    
Screen name: 3fishes Borrower's state: California Borrower's group: All In The Family
Credit and homeownership information was obtained 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: 35 ( 97% ) 700-719 (Latest)
Principal borrowed: $5,500.00< mo. late: 1 ( 3% )  
600-619 (Nov-2007)
700-719 (Aug-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Pay off credit car and car loan
Purpose of loan:
This loan will be used to pay off my car note and?credit cards.?

My financial situation:
I am a good candidate for this loan because I do pay my bills, have had a few ups and downs but for the most part I am a responsible person

Monthly net income: $ 3600 + spouse income (3800)

Monthly expenses: $ 3000
??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 451042
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 28.03% Starting borrower rate/APR: 29.03% / 31.39% Starting monthly payment: $377.30
 
Auction yield range: 14.04% - 28.03% Estimated loss impact: 15.28%  
Lender servicing fee: 1.00% Estimated return: 12.75%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2004 Debt/Income ratio: 39%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 16 / 11Length of status:0y 7m
Credit score: 660-679 (Mar-2010) Total credit lines: 23 Occupation: Other
Now delinquent: 0 Revolving credit balance: $6,803Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 62%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: vdubbora Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business startup. (22k Performance)
Purpose of loan:
To?setup my inventory of car parts to sell in?bulk to multiple companies.?

My financial situation:
I am a good candidate for this loan because?i can make more than $400 a month in payments.
Information in the Description is not verified.