Listing Report:Supplement No. 201 dated Mar 25, 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 403102
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,600.00 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: $106.68
 
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: May-1994 Debt/Income ratio: 30%
Basic (1-10): 8 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 13 / 11Length of status:5y 3m
Credit score: 680-699 (Mar-2010) Total credit lines: 27 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $18,828Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 86%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: dubois31 Borrower's state: Colorado Borrower's group: BORROWERS - Free instant Listings - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off credit cards
I have a high rate credit card, thougth I would give this a try after hearing a story on NPR
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436542
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 13.03% Starting borrower rate/APR: 14.03% / 16.19% Starting monthly payment: $68.38
 
Auction yield range: 6.04% - 13.03% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2005 Debt/Income ratio: 19%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 8Length of status:3y 6m
Credit score: 740-759 (Mar-2010) Total credit lines: 15 Occupation: Police Officer/Corr...
Now delinquent: 0 Revolving credit balance: $1,072Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 6%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: inspired-rupee2 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
Putting flooring in our house
Purpose of loan:
This loan will be used to place laminate hardwood flooring throughout the dining room, foyer, living room, and hallway. We bought the house over a year ago and the carpet never really flowed with what we are trying to do. The hardwood floor look will make out place go from nice, to amazing!!!

My financial situation:
I am a good candidate for this loan because I am newly married, have job security with a set salary, and we will be living in this house for years to come. We bought a new car because it actually saved us over $100 a month with insurance rates, month payment, and also fuel. We look to cut corners with finances as much as possible, but still like to live nice. It is tough finding a place to get a loan for flooring, so that's why I am here. I have a house, car, wife, and stable job. What else should I need? Oh ya, I have never been late on a payment either, and always pay off as much as I can right away.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441688
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $16,450.00 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: $744.13
 
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: Dec-1990 Debt/Income ratio: 17%
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 6Length of status:8y 2m
Credit score: 600-619 (Mar-2010) Total credit lines: 32 Occupation: Attorney
Now delinquent: 4 Revolving credit balance: $2,652Stated income:$100,000+
Amount delinquent: $567 Bankcard utilization: 134%  
Public records last 12m / 10y: 1/ 2 Homeownership: No  
Delinquencies in last 7y: 43    
Screen name: BCLawyer1118 Borrower's state: Colorado Borrower's group: FUTURE FINANCIAL FREEDOM 1
Credit and homeownership information was obtained 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 ( 100% ) 600-619 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
620-639 (Sep-2009)
580-599 (Jun-2008)
560-579 (Dec-2007)
580-599 (Feb-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 35  
Description
Goodbye CCs! Hello New Home!!
Purpose of loan:This loan will be used for the following: consolidating credit card debt, purchase of laptop computer for my business, and the remaining down-payment and closing costs for purchasing my current residence.

My financial situation:I am a good candidate for this loan for a few reasons. I received a Prosper loan three years ago and made each payment on time without fail. I believe in Prosper and have a proven track record of dependability and reliability of loan repayment. I'm not sure why I'm still labeled HR, but I can assure you I am not! My bankruptcy was necessary four years ago, and I've only improved my situation over the years. I obtained my credit cards after my bankruptcy to raise my credit score. They have been helpful; however, with the changes in legislation the fees and interest are being increased. The credit card structure makes it difficult to pay-off and if your payment is received even a day after the due date, but well in the ?grace period? they count it as late and assess fees. With this Prosper loan, I will pay off the balance saving me hundreds of dollars in fees and raise my credit score within a couple months. The monthly amount below also includes a payment to a business loan?that was used to purchase computers for my office a year ago.?I love the automatic payments that Prosper offers and have no doubt that all my payments will be made. The laptop computer is essential to my business (my prior one died). I already have $5000 in escrow for purchasing our home and require $6250 more. We currently pay $2500/month to rent the home we wish to purchase. Once the purchase is complete, our monthly payment will be less than $2200/month. We want to take advantage of purchasing our home now, as the price has been reduced approximately $50K in the past year. The savings each month for the credit card payments and housing will more than cover the payment for this loan. I am tenacious and hard-working. I know any Lender will be repaid by bidding on me! Thank you!
Monthly net income: $ 7,500.00
Monthly expenses: $6,396???
Housing: $ 2500??
Insurance (Life/Auto): $ 251??
Car expenses: $ 670??
Utilities: $ 472??
Phone, cable, internet: $ 483??
Food, entertainment: $ 560??
Clothing, household expenses $ 150??
Credit cards and other loans: $ 1310
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451584
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 23.56% Starting borrower rate/APR: 24.56% / 26.86% Starting monthly payment: $197.64
 
Auction yield range: 8.04% - 23.56% Estimated loss impact: 9.06%  
Lender servicing fee: 1.00% Estimated return: 14.50%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 6 / 5Length of status:9y 3m
Credit score: 780-799 (Mar-2010) Total credit lines: 45 Occupation: Social Worker
Now delinquent: 0 Revolving credit balance: $0Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: a-terrific-durability 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
Website redesign
Purpose of loan:
This loan will be used to?redesign our website?and print some?new brochures.? The website?overhaul will be done by Daniel Will-Harris (www.will-harris.com).? Will-Harris House and Studio created our logo, which has consistently received positive notice when we hand out business cards and display our banner at trade shows.? Mr. Will-Harris has agreed to redesign our site at a cost of $2500.? Please note that?he offered us a discounted rate based on the prior business relationship.?

My financial situation:
I am a good candidate for this loan because?business is growing.? SWiP has?grown?at a glacial pace by design to avoid too much, too soon.? I believe that many businesses that fail, fail for this reason.? Fortunately, SWiP has steady clients and many repeat customers.? The demand for our services?continues to exceed our current capacity.? In addition, SWiP has carved out a growth niche in geriatric and medical social work services to hospitals, physicians' practices,?skilled nursing facilities, and aging service access points.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451590
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.13% Starting borrower rate/APR: 7.13% / 7.47% Starting monthly payment: $30.94
 
Auction yield range: 3.04% - 6.13% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.53%  
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: Nov-1993 Debt/Income ratio: 21%
Basic (1-10): 10 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 20 / 18Length of status:12y 0m
Credit score: 800-819 (Mar-2010) Total credit lines: 59 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $16,807Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 8%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: IntegrityFinance Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 5 ( 100% ) 800-819 (Latest)
Principal borrowed: $9,671.00< mo. late: 0 ( 0% )  
840-859 (Sep-2009)
760-779 (May-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 5  
Description
Vacation
Thanks for considering my loan request.? I plan to use this money for a vacation.

I graduated in?1995 with a B.S. in Business Administration (Finance major).? I've worked at a major?insurance company since March 1998.? My position is?secure and I have no plans to leave.? While working full-time I'm?also finishing up my law degree.?

I believe in always paying my bills on time.? In 18 years of being on my own and using credit, I've never been late in paying any bill of any kind.? I will not ruin that record by failing to pay this loan on time.? This loan is about as low risk as you can get.? I use my credit cards each month only to keep my credit score high.? However, I pay off ALL?balances in full each month before the due date so I incur no interest charges on revolving accounts.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451602
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 36.00% / 38.47% Starting monthly payment: $114.51
 
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-2007 Debt/Income ratio: Not calculated
Basic (1-10): 3 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 4 / 4Length of status:0y 0m
Credit score: 700-719 (Mar-2010) Total credit lines: 24 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $1,124Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 10%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: cash-daydream Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit card
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451620
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $806.68
 
Auction yield range: 8.04% - 9.00% Estimated loss impact: 6.38%  
Lender servicing fee: 1.00% Estimated return: 2.62%  
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: May-1990 Debt/Income ratio: 24%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:10y 8m
Credit score: 860-879 (Mar-2010) Total credit lines: 23 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $39,468Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 33%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: brightest-note-deployment 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
Pizza Cart Business
Purpose of loan:
undefinedThis loan would be used for a Pizza Company I?m Starting.I developed a patented Pizza Cart.? This mobile pizza cart allows for the sell of hot Pizza by the Slice to be sold in high traffic areas, like malls, sports arenas, Airports, Downtown streets, Night Club and Entertainment districts, Schools, Corporate Campuses, and other locales.

I have interest in the Pizza Carts from CPK, Harrah's Casinos, BevMo, and Aramark's Stadium and Arenas unit.

Both Pizza ventures will be franchised nationally and internationally.?

Thanks

My financial situation:
undefinedI am a good candidate for this loan because economics of the venture is very good.Unlike other restaurants that require about 6 months before they start generating revenue, the Pizza Cart generating revenue less a month after purchasing.I also I?m fully employed as a Back Office Accounting Manager for a Investment Advisor for the past 10 years.

Equity in the venture is also available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451626
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,200.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 13.03% Starting borrower rate/APR: 14.03% / 16.19% Starting monthly payment: $75.22
 
Auction yield range: 6.04% - 13.03% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1992 Debt/Income ratio: 5%
Basic (1-10): 8 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 12 / 6Length of status:9y 4m
Credit score: 720-739 (Mar-2010) Total credit lines: 26 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $2,060Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 36%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: top-unafraid-p2ploan 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
Purchase photography equipment
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 451632
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.0%  
   
 
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: 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-1986 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 4Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 13 / 13Length of status:5y 9m
Credit score: 700-719 (Mar-2010) Total credit lines: 39 Occupation: Other
Now delinquent: 0 Revolving credit balance: $305,021Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: priceless-coin8 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
Business growth expansion
Purpose of loan:
This loan will be used to help cover some short term liquidity issues.? We are currently expanding at rapid rate and have many orders for shipping over the next few months and need some short term liquidity until goods ship.

The company strives to excel in the sourcing and wholesale distribution of home improvement products, outdoor products and automotive aftermarket products that are sold to national, regional and local retailers and wholesalers throughout the United States. What makes us different and special is that we are dedicated to introducing the products of tomorrow today.

My financial situation:
I am a good candidate for this loan because we will be able to pay this loan back within a short time frame.? We only deal with retailers and do not sell to end users.

Monthly net income: $ 10,000

Monthly expenses: $ 9,000
??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 451638
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,100.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 21.50% Starting borrower rate/APR: 22.50% / 25.98% Starting monthly payment: $42.29
 
Auction yield range: 4.04% - 21.50% Estimated loss impact: 2.20%  
Lender servicing fee: 1.00% Estimated return: 19.30%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1991 Debt/Income ratio: 34%
Basic (1-10): 9 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 19 / 17Length of status:6y 4m
Credit score: 700-719 (Mar-2010) Total credit lines: 46 Occupation: Attorney
Now delinquent: 0 Revolving credit balance: $265,446Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Tahoe1960 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 other credit lines
My financial situation:
I am a good candidate for this loan because I have substantial, steady income and have never defaulted on a credit obligation.? My wife and I had to incur some additional debt while she was out of work for approximately 5 months last year.? However, my wife has been back working full-time since August and we are in the process of paying down those credit lines.? I am seeking this loan to consolidate a few smaller credit lines.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451650
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 15.50% Starting borrower rate/APR: 16.50% / 18.69% Starting monthly payment: $106.21
 
Auction yield range: 4.04% - 15.50% Estimated loss impact: 2.16%  
Lender servicing fee: 1.00% Estimated return: 13.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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: 564%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 8Length of status:1y 7m
Credit score: 720-739 (Mar-2010) Total credit lines: 16 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $4,883Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 48%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: blooming-peace 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
Home Improvement/Credit Card
Purpose of loan:
My wife and I really need this loan in order to install aluminum fencing in our new home. We already received a quote and it will cost $3,000.? We are both smart, well-educated people (graduated from the University of Florida with our Masters degree) and are teachers. Between bills, mortgage, and student loan payments, I just don't have the money to do these other things. A loan for $3,000 will help out TREMENDOUSLY!!!! Thank you in advance! :)


Monthly net income: $ 6,000


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451668
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $123.09
 
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: Oct-2005 Debt/Income ratio: 20%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 7Length of status:0y 1m
Credit score: 660-679 (Mar-2010) Total credit lines: 29 Occupation: Other
Now delinquent: 0 Revolving credit balance: $457Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 40%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: seagull4 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for School
Purpose of loan:
I am a full time college student (online) and I work full time.? Student loans will only cover so much and it is hard to pay for the extra summer classes that I need.? I am hoping this site can help me.? I am trying to take 5 classes this summer and I will also need books.?

My financial situation:
I think I am a good candidate for this loan because I am very reliable.? I always pay my bills on time and I work hard for everything I have.? Unfortunately, banks don't really care to much about your work ethic. :)? I make more than enough to pay this loan back and it would really help me further my education.

Monthly net income: $ 2500

Monthly expenses: $
??Housing: n/a
??Insurance: 125
??Car expenses: 400
??Utilities: n/a
??Phone, cable, internet: n/a
??Food, entertainment: $100
??Clothing, household expenses $100
??Credit cards and other loans: $25
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451690
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
 
Auction yield range: 17.04% - 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-1980 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 9 / 8Length of status:2y 4m
Credit score: 720-739 (Mar-2010) Total credit lines: 28 Occupation: Professional
Now delinquent: 2 Revolving credit balance: $1,195Stated income:$25,000-$49,999
Amount delinquent: $329 Bankcard utilization: 11%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 14    
Screen name: creative-capital7 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
Naval Officer Moving 80 YR Old Dad
Purpose of loan: Retired Naval Officer Facing Emergency: Must Move 80 yr old dad from FL to NC ASAP

My financial situation: Income: $3,500 per mth Expenses: $2,000 per mth Mortgage: $550 (includes all save property tax) Utilities: $150 Food: $300 Car: $255 Insur: $125 (car and life) Other: $550 (Gas for cars, internet, cable tv, miscellaneous,, etc) Credit Cards $ 85 Note: All derogatories on my credit reports are 5 years or older!!! Two erroneous tax liens from other states being disputed belong to my ex wife from 2007 (orig liens date to 2002) My credit is on the mend; liens occurred at time of divorce; My father took a bad turn and MUST MOVE ASAP in with us; can not afford $$ upfront for move; NEED HELP NOW!! Can EASILY make the payments on this loan! NO AUCTION TO ATTRACT YOU GOOD PEOPLE TO HELP US!
I am a good candidate for this loan because this Retired Naval Officer served 22 years on submarines, minesweepers, and an aircraft carrier; he is reliable and makes payments on time! I do own a home since 2007 and am current on the loan with Vanderbilt Mortgage and Finance Co. and will provide proof upon request.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451702
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 17.04% - 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-1992 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 5Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 6 / 4Length of status:0y 2m
Credit score: 640-659 (Mar-2010) Total credit lines: 25 Occupation: Other
Now delinquent: 1 Revolving credit balance: $99,176Stated income:$100,000+
Amount delinquent: $333 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 2 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: logical-diversification 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
Inventory
Purpose of loan:
This loan will be used to? Provide cashflow for start up business????

My financial situation:
I am a good candidate for this loan because? I have already invested 35,000 and have additional 40,000 of my own money going into business.

Monthly net income: $ 10,0000

Monthly expenses: $
??Housing: $ 1500????????
??Insurance: $ 120
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 350
??Food, entertainment: $ 400
??Clothing, household expenses $ 400
??Credit cards and other loans: $ Citi finacial 20K, all other credit is?my wife's debt. I can provide documentation stating we are seperated and that she is responsible.
The Citi Financial amount is monies owed to me by VJ Development.
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451708
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.5%  
   
 
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: 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: May-1995 Debt/Income ratio: 31%
Basic (1-10): 1 Inquiries last 6m: 2Employment status:Part-time employee
Enhanced (1-5):1 Current / open credit lines: 0 / 0Length of status:0y 3m
Credit score: 640-659 (Mar-2010) Total credit lines: 8 Occupation: Other
Now delinquent: 2 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $978 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 11    
Screen name: southfloridadad08 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
Working Capital needed
Purpose of loan:
This loan will be used to provide working capital for my real estate business. Proceeds will be used to cover expenses such as appraisals, inspections, travel and other related business expenses.

My financial situation:
I am a good candidate for this loan because not only will the funds help to provide further profit from the real estate business, but I am also employed aside from the business and my monthly expenses are currently low enough to secure this loans monthly payment for the term of the loan.

Monthly net income: $ 1075.00

Monthly expenses: $ 550.00
??Housing: $
??Insurance: $
??Car expenses: $ 450.00
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 100.00
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451714
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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 451720
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.81% Starting borrower rate/APR: 9.81% / 11.91% Starting monthly payment: $96.53
 
Auction yield range: 4.04% - 7.81% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 5.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1995 Debt/Income ratio: 12%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:13y 6m
Credit score: 760-779 (Mar-2010) Total credit lines: 12 Occupation: Clergy
Now delinquent: 0 Revolving credit balance: $938Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 5%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: ezrocker 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
Buy a mini van for growing family
Purpose of loan:
This loan will be used to? replace our 1999 Nissan Quest with 178,000 miles on it and has no A/C. Living in Orlando A/C is almost a must. 8,000 is what we have saved and is just not quite enough to get a good van.

My financial situation:
I am a good candidate for this loan because? We have saved 8,000 and I need another 3,000 to buy a "decent" mini van. I have excellent credit and pay all my bills on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451726
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $361.89
 
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: May-1999 Debt/Income ratio: 17%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 6Length of status:6y 0m
Credit score: 680-699 (Mar-2010) Total credit lines: 18 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,399Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 39%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: dirkthedivine 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: 10 ( 42% ) 680-699 (Latest)
Principal borrowed: $8,500.00< mo. late: 14 ( 58% )  
640-659 (Jan-2008)
 
Principal balance: $3,521.31 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Paying off a High Interest Loan
Purpose of loan:
This loan will be used to pay off a higher interest personal loan that I obtained when my credit was not as good as it is today.? It's a shame the Prosper credit score rating system is the way it is (using one?bureau only, and only rating a range), because it hides how much I have really improved my credit score in the past few years.? It?is now an average of over 700 across the three bureaus, and will keep going up.

My financial situation:
I am a good candidate for this loan because I have another Prosper loan in good standing and have made all my payments.? I will admit I have a few slight lates but that is due to issues transferring money between my savings and checking accounts in time for the payment date.? I have ALWAYS paid and I can be considered a good investment.

I have improved my credit score by a lot over the past two years since my first loan was funded, making me an even better candidate.? I have savings now as well.

Monthly net income: $3354

Monthly expenses: $1495
??Housing: $200
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $200
??Phone, cable, internet: $45
??Food, entertainment: $400
??Clothing, household expenses $0
??Credit cards and other loans: $150
??Other expenses: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451732
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1997 Debt/Income ratio: 15%
Basic (1-10): 3 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 9Length of status:3y 9m
Credit score: 680-699 (Mar-2010) Total credit lines: 17 Occupation: Analyst
Now delinquent: 2 Revolving credit balance: $8,932Stated income:$100,000+
Amount delinquent: $13,564 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: mchiura Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 13 ( 87% ) 680-699 (Latest)
Principal borrowed: $5,000.00< mo. late: 2 ( 13% )  
660-679 (Apr-2008)
660-679 (Mar-2008)
660-679 (Jan-2008)
660-679 (Dec-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Education Loan
Purpose of loan:
High Interest debt consolidation

My financial situation:
I am a good candidate for this loan because my history has demonstrated my ability to repay?the?loan. I repaid my first lean on prosper?

Monthly net income: $ 5600

Monthly expenses: $
??Housing: $ 2000
??Insurance: $ 100
??Car expenses: $ 800
??Utilities: $ 50
??Phone, cable, internet: $ 150
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451744
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 14.04% Starting borrower rate/APR: 15.04% / 17.21% Starting monthly payment: $346.85
 
Auction yield range: 14.04% - 14.04% Estimated loss impact: 14.60%  
Lender servicing fee: 1.00% Estimated return: -0.56%  
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: Jan-1999 Debt/Income ratio: 21%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:4y 10m
Credit score: 660-679 (Mar-2010) Total credit lines: 19 Occupation: Other
Now delinquent: 0 Revolving credit balance: $10,270Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 73%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 16    
Screen name: rupee-ladder Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off debt
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 451750
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: 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: $191.86
 
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: Jul-1990 Debt/Income ratio: 24%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 11Length of status:17y 10m
Credit score: 720-739 (Mar-2010) Total credit lines: 26 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $31,742Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 61%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: fund-computer Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying of my high interest cards
Purpose of loan:
This loan will be used to pay down the balance of my high interest credit cards.?

My financial situation:
I am a good candidate for this loan because my credit score is excellent, and I always make my payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451756
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $904.31
 
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: Jul-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 4Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 12 / 12Length of status:0y 4m
Credit score: 740-759 (Mar-2010) Total credit lines: 30 Occupation: Realtor
Now delinquent: 0 Revolving credit balance: $17,642Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 31%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: thorough-payment8 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
Operating Capital
Purpose of loan:
Seeking funds for operating capital in connection with turn key bar and grill acquisition that includes real and business personal property. The seller has operated the property as a sports bar for 13 years and generates positive cash flow.?

My financial situation:
I am a good candidate for this loan because the business is an established entity with positive cash flows.? I have recently left the corporate world (former VP Ops and Finance) due to an acquisition of my former employer by a Fortune 500 company.? I have since obtained my real estate license and I am now taking advantage of undervalued real estate assets and this opportunity was too good to pass up.? Being cautious, I would like to have a little more liquidity to manage some of the up front costs to run the business and the banks were none too happy with my career change.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451762
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.25% Starting borrower rate/APR: 18.25% / 20.46% Starting monthly payment: $290.22
 
Auction yield range: 17.04% - 17.25% Estimated loss impact: 18.95%  
Lender servicing fee: 1.00% Estimated return: -1.70%  
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: Jun-1982 Debt/Income ratio: 40%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 17 / 16Length of status:10y 4m
Credit score: 720-739 (Mar-2010) Total credit lines: 42 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $36,675Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 54%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: suave-dedication6 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
PAY FOR WEDDING
Purpose of loan:
This loan will be used to? pay for wedding

My financial situation:
I am a good candidate for this loan because? I AWAYS PAY MY LOANS OFF
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451766
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $143.60
 
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: May-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 5 / 4Length of status:2y 1m
Credit score: 700-719 (Mar-2010) Total credit lines: 12 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,878Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 69%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: blue-loot-planetarium Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Initial Funding for Small Business
Purpose of loan:
This loan will be used to start an electronic cigarette business.
Electronic cigarettes look, feel, and taste like traditional cigarettes and provide the same nicotine without tar, ash, smoke, smell, and carcinogens.
I believe that electronic cigarettes will replace traditional cigarettes in the future.
My financial situation:
I am a good candidate for this loan because I am very responsible with money.
It is becoming increasingly difficult to make ends meet, so I must secure another means of providing income.
I have located a supplier, prepared a budget, and have already begun to build a customer base.

Monthly net income: $1250

Monthly expenses: $1250
??Housing: $450
??Car expenses: $40
??Utilities: $300
??Phone, internet: $60
??Food: $300
??Clothing, diapers, household: $100
??Credit cards and other loans: $0

This loan will ensure the survival of my family and serve as a strong foundation for our future success.
Thank you so much for considering my proposal.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451768
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.04% - 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-1995 Debt/Income ratio: 26%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 3Length of status:0y 8m
Credit score: 660-679 (Mar-2010) Total credit lines: 10 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $1,036Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 84%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: flexible-principal6 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Goals
Purpose of loan:
This loan will be used to?start a small business.?

My financial situation:
I am a good candidate for this loan because?I have over 30 years of consistent work history, and have the means to?repay this debt?in a timely manner.???

Monthly net income: $ 3,695.00????????

Monthly expenses: $
??Housing: $ 200
??Insurance: $ 200
??Car expenses: $ 600
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 600
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 75
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451790
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
 
Auction yield range: 17.04% - 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: Jul-1993 Debt/Income ratio: 20%
Basic (1-10): 2 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 10 / 9Length of status:6y 1m
Credit score: 760-779 (Mar-2010) Total credit lines: 41 Occupation: Clergy
Now delinquent: 0 Revolving credit balance: $2,821Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 89%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: favorable-deal2 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
Property tax
Purpose of loan:
This loan will be used to? provide the additional funds needed to cover the payment for the current year property tax on my home.? I am requesting this assistance due to the birth of a child in January that affected my household income for the month of February.

My financial situation:
I am a good candidate for this loan because? I have a solid payment history without any defaults and this loan will be paid totally off prior to the completion of the 36 month term.? I also have a deep employment history and have been employed in my profession for the past 12 years consecutively (the last six with my current employer).
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451796
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 27.00% Starting borrower rate/APR: 28.00% / 30.35% Starting monthly payment: $82.73
 
Auction yield range: 8.04% - 27.00% Estimated loss impact: 7.15%  
Lender servicing fee: 1.00% Estimated return: 19.85%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-1991 Debt/Income ratio: Not calculated
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 14 / 12Length of status:4y 7m
Credit score: 660-679 (Mar-2010) Total credit lines: 44 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $42,275Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 86%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: kind-scholarly-peace 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 to pay property taxes
Purpose of loan:
This loan will be used to?to pay property taxes on my?rental condo in Florida.? My last tenant got cancer and moved out early which caused the?condo to sit empty for a little over month and put me behind on the taxes.? I have since?got a new tenant?on a year lease.? I have no mortgage, only dues and taxes so it brings in about $500 a month profit.?

My financial situation:
I am a good candidate for this loan because? I have a good job and no late payments of any kind.? I will repay the loan, probably early.?I can easily pay this loan from the profit of the rental.

Monthly net income: $ 4350

Monthly expenses: $
??Housing: $ 1000????????
??Insurance: $ 100????
??Car expenses: $?200
? Utilities: $ 250
??Phone, cable, internet: $ 250
??Food, entertainment: $ 700
??Clothing, household expenses $
??Credit cards and other loans: $1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451802
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $79.52
 
Auction yield range: 17.04% - 24.00% Estimated loss impact: 20.38%  
Lender servicing fee: 1.00% Estimated return: 3.62%  
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: Dec-1989 Debt/Income ratio: 7%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 5Length of status:11y 4m
Credit score: 600-619 (Mar-2010) Total credit lines: 37 Occupation: Civil Service
Now delinquent: 3 Revolving credit balance: $401Stated income:$50,000-$74,999
Amount delinquent: $13,889 Bankcard utilization: 100%  
Public records last 12m / 10y: 1/ 1 Homeownership: Yes  
Delinquencies in last 7y: 37    
Screen name: Mully84 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 24 ( 100% ) 600-619 (Latest)
Principal borrowed: $3,400.00< mo. late: 0 ( 0% )  
640-659 (Feb-2008)
 
Principal balance: $1,366.73 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Stay at home parents - Need help
The purpose of this loan is to pay off one of our cars and refinance our prosper loan.? We?ve been working vigorously the past few years to eliminate our debt.??

This loan will reduce our monthly expenses by over $150.00 that we will be able to use elsewhere.???

I have not missed or been late on the previous prosper loan the past 24 months!!

We?re in this situation due to the fact that we decided to have my wife stay home and raise our two children.? She is an elementary school teacher, so the decision to forgo her income was a tough one.? But we feel the right one.? She has been home now five years and we?ve managed to keep our heads above water.? Hopefully she will be returning to teach full time once our youngest reaches first grade (approx. 1 years).????

I have been a homeowner for over 13 years.??

DQ?s:? These are old as we have been able to establish a manageable budget the past years by dealing with these credit companies.

I am employed in County government for over 11 years and make an excellent salary.? My job is extremely stable. ?We?re wonderful people who know that having a good credit history is important so we hope this loan can help us reach that goal.? Having the opportunity for my wife to stay home with the children has been priceless to us.? My wife has also been able to substitute teach on occasion bringing in small helpful income.??

As you can also see, we have not used any other credit cards for over a year.? We use a debit card tied to our checking account to make any and all purchases.? We are totally focused on getting out of debt as soon as possible.

Monthly net income: $3300.00??

Monthly expenses: $2850.00
Housing: $1300.00
Auto: $270.00 (-117.00*)
Utilities: $320.00
Food, misc:$599.00
Ccards: $361.00?(-126.00*)?

THANK YOU SO MUCH FOR YOUR CONSIDERATION
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451820
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 22.68% Starting borrower rate/APR: 23.68% / 25.97% Starting monthly payment: $117.20
 
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: Dec-2006 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 4 / 4Length of status:6y 5m
Credit score: 700-719 (Mar-2010) Total credit lines: 5 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $3,115Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 42%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: SJThailady Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 8 ( 100% ) 700-719 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
700-719 (May-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 8  
Description
Paying off my credits
Purpose of loan:
This loan will be used to help paying off my credit cards. And sent it back to help my parents. because my dad still needed physical therapy every week after he had operate last 2 years.

My financial situation:
I am a good candidate for this loan because I have an established eBay business selling jewelry and semi-precious stones, and I pay my bills on time.

Monthly net income: $ 1000???????????????

Monthly expenses: $?
I have no monthly expenses because all expenses are paid by my husband.undefined 
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451832
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
 
Auction yield range: 17.04% - 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: May-1998 Debt/Income ratio: 19%
Basic (1-10): 2 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 10 / 9Length of status:3y 3m
Credit score: 660-679 (Mar-2010) Total credit lines: 24 Occupation: Skilled Labor
Now delinquent: 3 Revolving credit balance: $937Stated income:$25,000-$49,999
Amount delinquent: $283 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 2 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: akorpi1 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Down payment for house
Purpose of loan:
This loan will be used to? Use as supplemental down payment for housing. It will give me more flexibility and options.

My financial situation:
I am a good candidate for this loan because? I will be getting the $8000 tax cedit for first time buyers and can pay back the loan quickly.

Monthly net income: $ 5500

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 100
??Car expenses: $ 300
??Utilities: $?50
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451838
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 13 / 12Length of status:13y 5m
Credit score: 660-679 (Mar-2010) Total credit lines: 23 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $223,028Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 2    
Screen name: affluence-yeller Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Payoff High Interest Credit Card
Purpose of loan:
This loan will be used to? consolidate and payoff all high interest credit cards

My financial situation:
I am a good candidate for this loan because? I guarantee I will pay this off.? I want to be debt free within 3 years.? I have great credit history with all these creditors

Monthly net income: $ 15,870

Monthly expenses: $
??Housing: $ 2439.00
??Insurance: $ 859.67
??Car expenses: $ 634.08
??Utilities: $ 225.00
??Phone, cable, internet: $ 189.80
??Food, entertainment: $ 535.00
??Clothing, household expenses $ 300.00
??Credit cards and other loans: $ 1405.00
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441039
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.22% Starting borrower rate/APR: 31.22% / 33.62% Starting monthly payment: $237.17
 
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: Jun-1990 Debt/Income ratio: 38%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 18 / 16Length of status:6y 10m
Credit score: 640-659 (Mar-2010) Total credit lines: 34 Occupation: Executive
Now delinquent: 1 Revolving credit balance: $23,326Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 89%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: tdbear2030 Borrower's state: Georgia Borrower's group: BORROWERS - Free instant Listings - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 34 ( 100% ) 640-659 (Latest)
Principal borrowed: $4,500.00< mo. late: 0 ( 0% )  
620-639 (Mar-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 34  
Description
Putting a New Roof On
Purpose of loan:
To put new roof and gutters on our house. We are needing 25 sq. of roofing and new gutters installed. We are installing architectural?shingles and ridge vent.

My financial situation:
I have had a Prosper loan for the past 3 years and paid it off this month. 1 month early.
I have 2 late pays 1 from March 2009 and the other June 2009. One of them was because we made the wrong payment to the wrong creditor. The other was another accident I don't recall as to why we were late. I have a collection showing up from National Credit Solutions (Columbia House)?from what they are saying is from December of 2002 and decided to start reporting in May of 2009. I have challenged that and requested that send validation of the debt. I have recently closed?our credit cards in order to reduce the urge to charge items that are truly not needed unless we have cash.

Monthly net income: $?
$3400 net from my job.
$2100 net from my husbands job

Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 90
??Car expenses: $?paid off now
??Utilities: $?300
??Phone, cable, internet: $ 200
??Credit cards and other loans: $ 800?????
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450365
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.38% Starting borrower rate/APR: 10.38% / 12.49% Starting monthly payment: $259.57
 
Auction yield range: 4.04% - 9.38% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.25%  
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: Mar-2000 Debt/Income ratio: 22%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 10Length of status:2y 3m
Credit score: 700-719 (Mar-2010) Total credit lines: 20 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $34,595Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 78%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: towering-contract Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?consolidate my credit card debt. The interest rates have gotten too high and I am looking for a fixed rate sum to liquidate them.

My financial situation: My financial situation is a very good one. I receive a good, stable salary with a yearly bonus. I am an assistant branch manager for JP Morgan Chase.
I am a good candidate for this loan because?I will be able to make the monthly payments in a timely manner as you can see by my credit report. I have never missed a single payment on my mortgage or credit cards. I have a mortgage but the property is being rented out so the rent income pays the mortgage.

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 451349
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 Prosper Rating: 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: $445.84
 
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: Oct-2007 Debt/Income ratio: 23%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 5 / 5Length of status:0y 7m
Credit score: 700-719 (Mar-2010) Total credit lines: 6 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $4,352Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 30%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: scrutinzer554 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying Profitable Internet Business
Purpose of loan:
This loan will be used to take over an established profitable business. This will be an internet business that started in 2006 and has been significantly expanding. It is a hosting website with over 600 customers. I'm teaming up with my brother who has been in web hosting for 7 years now. Together we will take over this business and try to expand it and make it even more profitable.

Projected net profit is $4,000/month. $2,000 net profit for each person to take home.

My financial situation:
I am a good candidate for this loan because I am doing very well financially and have had an online business in the past.

I'm living with my brother in a 2 bedroom apartment and our living expenses are not high. We will be keeping our full time jobs, have one full-time employee and work on the site part-time ourselves.

Monthly income:
Myself: $2500 (job). Brother: $2750 (job). Total: $5250
Total Monthly Expenses:
$3650

? Housing: $1600
??Insurance: $250
??Car expenses: $300
??Utilities: $200
??Phone, cable, internet: $150
??Food, entertainment: $500
??Clothing, household expenses $300
??Credit cards and other loans: $150
??Other expenses: $200
Prosper.com loan: $440

Monthly Expenses:
LLC: $60
Location: $300
Insurance: $250
Hosting: $200
Online Merchant: $200
Marketing: $300
Other: $200
------TOTAL--------
$1500 Estimated

Initial Purchase: $20,000
Monthly Business Expenses: $1500
Employees: 40x1emp= 40hrs. 40x$15= $600. $600x4weeks= $2400.
Unexpected : $500
--Total Monthly cost: $4,400.
--Total Cost 1st Month: $24,400.

Money saved up: $13,400
Money Needed Through Prosper.com: $11,000

The average hosting package sold is $22 per order. Cost of hosting is an average of $8 per order. $22 - $8 = $14 profit. 600cust x $14 = $8400. $8400 - $4400(monthly cost) = $4000 net profit. Customer base has grown with 4 customers a week on average (new customers - customers leaving), for the last 6 months. We are funding 50+% of funds needed for the business out of our own pocket.This business will make an estimated net profit of $2000 for me on a monthly basis. Net profit will grow every time more customers purchase hosting. This will improve my financial situation while keeping the same living expenses, which in turn means I can pay this loan back sooner then 36 months. I'm looking to pay the loan back within 24 months. Thank you for your interest and I'm looking forward to any questions !
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451575
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 17.04% - 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: Sep-1990 Debt/Income ratio: 57%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 11 / 9Length of status:0y 5m
Credit score: 620-639 (Mar-2010) Total credit lines: 40 Occupation: Other
Now delinquent: 0 Revolving credit balance: $4,623Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 88%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 5    
Screen name: some1inmo Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 6 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
520-539 (Mar-2008)
520-539 (Jan-2008)
520-539 (Dec-2007)
520-539 (Sep-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 6  
Description
Consolidating high interest loans
Purpose of loan:
This loan will be used to pay off 4 loans with exceptionally high interest rates.?

My financial situation:
I am a good candidate for this loan because I work full-time and part-time.? I am determined to get out of debt.? As you will see, I received a loan with Prosper in March of 2008 and paid it off by the end of that year.? I would like to consolidate my high interest loans and will use the money I spend on these payments toward my Prosper loan and the remaining money that I save each month will go toward my credit card debt.? My payments will be automatically debited from my account as it was with my previous loan with Prosper.

Monthly net income: $ 2318

Monthly expenses: $ 2145
??Housing and Utilities: $ 200 (I live with family)
??Insurance: $ 60 (car)
??Car expenses: $ 160 (gas for commute to work)
??Phone, cable, internet: $ 50 (phone)
??Food, entertainment: $ 25
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1600 (This will be reduced to $955 if I am able to receive a loan to consolidate my high interest loans)

I appreciate anyone that is willing to bid on my loan.? Thank you for your time.? Have a great day!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451581
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $271.42
 
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-1997 Debt/Income ratio: 21%
Basic (1-10): 1 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 7 / 7Length of status:1y 10m
Credit score: 660-679 (Mar-2010) Total credit lines: 20 Occupation: Computer Programmer
Now delinquent: 3 Revolving credit balance: $2,256Stated income:$50,000-$74,999
Amount delinquent: $11,716 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: FOREX Borrower's state: Texas Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 14 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
520-539 (Jan-2008)
560-579 (Nov-2007)
560-579 (Nov-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 14  
Description
Payoff high interest debts
Purpose of loan:
This loan will be used for consolidation some high interest debts

My financial situation:
?My new job which i have been for close to 2 years is 75 miles one way.? I have tried to find another IT job but you know how this economy is doing.? My wife is 7 months pregnant and i just can't see a way to pay off these credit cards and my 401K loan.? It will be easier to consolidate everything to manage my expenses.

Monthly net income: $ 3470

Monthly expenses: $?3380
??Auto / Gas?????????????? 315
? Electric?????????????????? 150
??Internet???????????????? ??119
? Cable\TV????????????? ?? 86
??Cell Phone????????????? 133
??401K????????????????????? 321
??Tan Resort?package?117
?? Water???????????????????? 20
? Mortgage???????????????? 1616
? Groceries???????????????? 250

Credit cards
HSBC Platinum????? 30
?? HSBC Orchard?????? 30
?? Salute card??????????? 16
?? Wal-mart??????????????? 15
?? First Premier????????? 27
?? Chase?????????????????????10
???Capital one?????????????25

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451587
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,560.00 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% / 11.63% Starting monthly payment: $49.88
 
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: Apr-2006 Debt/Income ratio: 31%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 2 / 2Length of status:0y 11m
Credit score: 720-739 (Mar-2010) Total credit lines: 5 Occupation: Nurse's Aide
Now delinquent: 0 Revolving credit balance: $5,351Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 42%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: community-bugle 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
Help me become a doctor
Purpose of loan:
This loan will be used to?pay for my last 3 credit class that I have to take in order to fulfill my 120 credit Bachelor requirement to graduate and be able to continue my lifetime goal of becoming a doctor and give back to those in need.

My financial situation:
I am a good candidate for this loan because?I am a hard worker who has a steady job taking care of individuals suffering from dementia/Alzheimer's and is very dedicated to my academics.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451617
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 5.80% Starting borrower rate/APR: 6.80% / 7.14% Starting monthly payment: $354.04
 
Auction yield range: 3.04% - 5.80% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 4.30%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1993 Debt/Income ratio: 19%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 12 / 11Length of status:2y 2m
Credit score: 800-819 (Mar-2010) Total credit lines: 26 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $1,864Stated 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: platinum-communicator Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Wedding
Purpose of loan:
This loan will be used for a destination wedding.

My financial situation:
I am a good candidate for this loan because of an excellent financial track record of paying off debts on time or before.? Also, I am employed full time.? Though I am applying for this loan our situation will soon be a two income family.? Relisting, some items were left off initial budget.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451619
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.99% Starting borrower rate/APR: 9.99% / 12.10% Starting monthly payment: $209.71
 
Auction yield range: 4.04% - 8.99% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.87%  
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: Jan-2005 Debt/Income ratio: 31%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:1y 3m
Credit score: 700-719 (Mar-2010) Total credit lines: 10 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $11,226Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 52%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: awe-inspiring-investment7 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
Recent College Grad Consolidation
Purpose of loan:
This loan will be used to pay off my high interest credit card currently at 20% interest. Pre-credit card legislation, this card was at a single digit interest rate! My credit score and I would feel more comfortable knowing this debt is at a fixed percentage and a definite expiration date.

My financial situation:
I am a good candidate for this loan because my monthly income can easily handle the payments, and I have other equity that could be leveraged to repay this debt in a worst case scenario.

Monthly net income: $ 3772

Monthly expenses: $ 2825ish
??Housing: $ 150 ( Basement Rocks! )
??Insurance: $ 47
??Car expenses: $ 500
??Utilities: $
??Phone, cable, internet: $ 150
??Food, entertainment: $ 500
??Clothing, household expenses $
??Credit cards and other loans: $ ( $1000 student loans ) $50 (CC#1) $50 (CC#2)
??Other expenses: $ $75 ( tolls ) $300 ( emergency savings fund )
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451653
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 13.03% Starting borrower rate/APR: 14.03% / 16.19% Starting monthly payment: $205.15
 
Auction yield range: 6.04% - 13.03% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1982 Debt/Income ratio: Not calculated
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 8Length of status:2y 5m
Credit score: 740-759 (Mar-2010) Total credit lines: 23 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $45,933Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: master292 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
LAST SEMETER OF GRAD SCHOOL
Purpose of loan:
This loan will be used to help my wife finish her last two semesters of the Family Nurse Practitioner Program at Washington State University, My wife is an honor student. She graduate summa cum laude from the Bachelor of Nursing program and will graduate with honors from the FNP program as well,
Due to the number of clinical hours she must complete these last two semeters, she cannot work outside of school. We would certainly appreciate your help!! We are the parents of 4 children, 2 college age boys, a daughter in junior high, and a daughter in kindergarten.
My financial situation:
I am a good candidate for this loan because my wife and I have been extremely responsible with our credit history and score. We pay all of our bills on time, have never been deliquent on ANY payments.

GROSS MONTHLY INCOME: $5000

EXPENSES:
Housing? $1200
Groceries $800
Utilities:?$150
Cable/Internet/Phones: $150
Car: $50 (we own our cars out right)
Entertainment: $200
Medical Expenses: $100
Credit Card Pymts: $300

Possible Prosper Payment: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451665
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 13.03% Starting borrower rate/APR: 14.03% / 16.19% Starting monthly payment: $153.86
 
Auction yield range: 6.04% - 13.03% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2007 Debt/Income ratio: 15%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:3y 1m
Credit score: 720-739 (Mar-2010) Total credit lines: 15 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $1,238Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 19%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: greatest-visionary-wampum 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
College Expenses
Purpose of loan:
This loan will be used to?pay off part of?my student loan and?other college expenses.(laptop, etc)??

My financial situation:
I am a good candidate for this loan because I am very accountable when it comes to paying any of my bills on time. If you check my credit report you can see that I have never once missed a payment in any of my credit cards nor student loans.

Monthly net income: $ 1825.00

Monthly expenses: $ 1514.00
??Housing: $?0.00
??Insurance: $ 120
? Car expenses: $ 214
??Utilities: $?110
??Phone, cable, internet: $220?
??Food, entertainment: $?200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 200
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451687
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $397.60
 
Auction yield range: 17.04% - 24.00% Estimated loss impact: 26.38%  
Lender servicing fee: 1.00% Estimated return: -2.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1991 Debt/Income ratio: 25%
Basic (1-10): 2 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 5 / 5Length of status:3y 3m
Credit score: 700-719 (Mar-2010) Total credit lines: 10 Occupation: Engineer - Chemical
Now delinquent: 0 Revolving credit balance: $1,464Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 2 Homeownership: Yes  
Delinquencies in last 7y: 5    
Screen name: abundant-auction444 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
consolidation
Purpose of loan:
This loan will be used to? Bill consolodation, taxes, home improvement.

My financial situation:
I am a good candidate for this loan because?I have a stable job, and just bought a house last summer.?

Monthly net income: $ 5500.00

Monthly expenses: $
??Housing: $ 1172.
??Insurance: $ 89
??Car expenses: $ 770.
??Utilities: $?100.
??Phone, cable, internet: $ 180.
??Food, entertainment: $ 200.
??Clothing, household expenses $ 100.
??Credit cards and other loans: $2500.
??Other expenses: $ 100.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451693
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $18,000.00 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: $678.15
 
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-1992 Debt/Income ratio: 26%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 16 / 13Length of status:15y 8m
Credit score: 720-739 (Mar-2010) Total credit lines: 47 Occupation: Military Officer
Now delinquent: 0 Revolving credit balance: $6,010Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 24%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: Saminole 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
Coffe Shop by a Veteran
Purpose of loan:
This loan will be used to help with the start up of a coffee shop in a downtown condo.? The property is at full capacity with a waiting list.? A full detailed business plan with a 3 year proforma is available.? The SBA/VA is currently offering 85% guarantee on a bank loan and I want to strengthen my contribution.?

My financial situation:
I am a good candidate for this loan because I have been a Marine for or 15 years and the Marine Corps has given me some of the best management training in the world. Additionally I have an economics background and a strong credit history.? Finally? I have transitioned from active duty to reserve status to start up and run the shop full time.? In a worst case scenario, I have the security of being able to return to a full time job at the same salary (~98k/yr) to repay a loan as a personal loan.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451711
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $433.32
 
Auction yield range: 11.04% - 14.00% Estimated loss impact: 10.31%  
Lender servicing fee: 1.00% Estimated return: 3.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1972 Debt/Income ratio: 51%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 19 / 17Length of status:10y 6m
Credit score: 720-739 (Mar-2010) Total credit lines: 43 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $15,795Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 27%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: NjJim Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 4 On-time: 47 ( 100% ) 720-739 (Latest)
Principal borrowed: $31,000.00< mo. late: 0 ( 0% )  
740-759 (Aug-2009)
760-779 (Jul-2009)
720-739 (Apr-2009)
760-779 (Mar-2008)
 
Principal balance: $6,480.30 1+ mo. late: 0 ( 0% )
Total payments billed: 47  
Description
5th Loan - NO RISK / 100% ON TIME
Purpose of loan:Is to payoff 3 loans and payments and have only 1 affordable monthly payment
This loan will be used to?payoff my existing Prosper Loan $6500 , payoff high interest credit card $4000 , and I am building a new storage building Costs 1800 - 2000

My financial situation: is very good my DTI is not accurate though neither is my Stated Income on this listing, Prosper is not allowing me to include my Rental Property Income on this loan , I have over 40K additional income which would bring my DTI down to almost half of what is being shown and my True Income would be shown as it has been in the past 3 Loans that I have had with prosper
I am a good candidate for this loan because?I have proven myself here at prosper and with all my creditors, I have a 100% paid and On time payment history. Starting at a high rate of interest but hoping it will be bid down . Thankyou for your time in considering my Listing .
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451741
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.48% Starting borrower rate/APR: 8.48% / 8.82% Starting monthly payment: $88.36
 
Auction yield range: 3.04% - 7.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.98%  
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: Jul-1978 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 14 / 13Length of status:2y 6m
Credit score: 820-839 (Mar-2010) Total credit lines: 32 Occupation: Other
Now delinquent: 0 Revolving credit balance: $9,615Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 13%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: poetic-cash330 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
Business tax due in 2009
Purpose of loan:
I am about to merge my indepentent consulting firm with a national consulting firm out of Austin, Texas.? I need to?keep my liquid assets static for about a month and would like to borrow these funds to pay for my 2009 business taxes due to the IRS by 4/15/2010.? Also, I've recently paid off a lot of credit and it is a good idea to occasionally borrow, and promptly pay back, small loans as it it better for your credit rating.?

My financial situation:
I am a good candidate for this loan because I have managed to successfully launch a consulting business during one of the worst periods of financial crisis since the Great Depression.? I am a Management Consultant to Banks and Financial Instutions and provide?Compliance and Best Practices consulting and training services.? These services are coming into great demand, as recent changes in compliance requirements (as of January 2010) are?forcing banks and other financial instituions to pay closer attention to these areas and rely on experts outside of their traditional internal sources.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451747
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 7.12% Starting borrower rate/APR: 8.12% / 8.46% Starting monthly payment: $125.57
 
Auction yield range: 3.04% - 7.12% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 6.52%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1976 Debt/Income ratio: 23%
Basic (1-10): 10 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:0y 2m
Credit score: 740-759 (Mar-2010) Total credit lines: 24 Occupation: Attorney
Now delinquent: 0 Revolving credit balance: $5,071Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 8%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: lawstudent1 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 29 ( 100% ) 740-759 (Latest)
Principal borrowed: $3,500.00< mo. late: 0 ( 0% )  
740-759 (Jul-2009)
760-779 (Apr-2008)
 
Principal balance: $1,647.38 1+ mo. late: 0 ( 0% )
Total payments billed: 29  
Description
Credit Card Consolidation
Purpose of loan:
Paying off a credit card.? In anticipation of the new credit card law?going into effect?the rate on one card shot up.? I would like?to pay it off so I am no longer dealing with the new 20% rate.?

My financial situation:
I am a good candidate for this loan because,?I have recently started a six-figure job at an Am-Law 100?law firm.? I have borrowed from Prosper before, and never missed a payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451753
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 22.69% Starting borrower rate/APR: 23.69% / 25.98% Starting monthly payment: $351.63
 
Auction yield range: 8.04% - 22.69% Estimated loss impact: 6.74%  
Lender servicing fee: 1.00% Estimated return: 15.95%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1993 Debt/Income ratio: Not calculated
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 8Length of status:19y 9m
Credit score: 820-839 (Mar-2010) Total credit lines: 23 Occupation: Military Officer
Now delinquent: 0 Revolving credit balance: $1,280Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: payout-griffin 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
Patio Deck + Swimming pool
Patio deck & swimming pool.
This loan will be used to help me financially with getting my home improvement started. I plan on keeping my new home for the rest of my life until my children grow older and are able to take care of it. I recently started doing little improvements here and there but the summertime is right around the corner and I would love to have a new deck with an in-ground pool installed prior to it.

My financial situation:
I am a good candidate for this loan because I am a very trustworthy responsible person. I have a guaranteed full-time career and a good credit score. I pay all bills on time, my vehicles are paid off, and my home has a current balance of $72,000.00 to be paid off completely. At the rate I am going, I will have owned my house two years sooner than expected. Thank you!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451759
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.93% Starting borrower rate/APR: 7.93% / 8.27% Starting monthly payment: $62.61
 
Auction yield range: 3.04% - 6.93% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 6.33%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2002 Debt/Income ratio: 2%
Basic (1-10): 10 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:1y 6m
Credit score: 840-859 (Mar-2010) Total credit lines: 15 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $8,086Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 14%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: sharp-justice 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
Painting the house and new cabinets
Purpose of loan:
This loan will be used to renovate my primary residence. I would like to get the house painted and renovate the kitchen by putting in new cabinets. I have saved up some money for the job but am falling short of few thousand dollars to contract out this job.

My financial situation:
I am a good candidate for this loan because i have excellent credit rating. I am very particular of making payments on time and it reflects on my credit history. I have a steady job and a steady flow of monthly income. I am married for 5 years and am well settled in my town.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451763
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 10 / 8Length of status:0y 7m
Credit score: 780-799 (Mar-2010) Total credit lines: 64 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: respectful-money8 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
a lifelong dream
My twin brother and I have recently decided to follow our lifelong dream. We have always wanted to design and produce our own video game. The popularity of casual gaming on Facebook has made this dream attainable. We have each already spent $45,000 of our own money to our game. Now, we're entering our final phase of development and we each need to pony up another $10,000. I have chosen to use Prosper as my lender.

I am a very responsible individual... I've never had any problems with credit. I have a PhD in Educational Psychology with a research interest in social gaming, so this is an area in which I have expertise. I have a steady job, but i'm hoping to own my own business.

Thank you for help!

if you're interested in the game, check us out at www.qunify.com!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451765
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.04% - 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: May-1982 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 8Length of status:16y 2m
Credit score: 740-759 (Mar-2010) Total credit lines: 19 Occupation: Other
Now delinquent: 0 Revolving credit balance: $14,362Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 88%  
Public records last 12m / 10y: 0/ 2 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: worldly-nickel0 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
Opening up small business 4 wife
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 451771
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $180.86
 
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: May-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 1 / 1Length of status:8y 9m
Credit score: 700-719 (Mar-2010) Total credit lines: 3 Occupation: Other
Now delinquent: 1 Revolving credit balance: $5,932Stated income:$25,000-$49,999
Amount delinquent: $2,012 Bankcard utilization: 54%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: brightest-leverage-voyager 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
Equipment loan for Dance Studio
SkwhirlHaus a new, creative movement space coming to Decatur, GA, will offer unique, ongoing classes for children and adults, rehearsal space, an intimate performance venue, workshops and more.
The director of SkwhirlHaus is a native of Atlanta GA, she is a choreographer, movement artist, musician, dance educator, the director of Volta Dance Theater and holds a degree in Dance Education from the University of Georgia. She has taught and choreographed for Atlanta-area dance studios and organizations for the past 16 years. She has held the position of Director of Dance Education at Dancefx in Athens, GA where she developed a creative movement program for developmentally challenged adults. She is also a 600-hour certified instructor of the Pilates Method of Body Conditioning. Currently she teaches Pilates and dance in the Atlanta area and will be able to maintain her current teaching schedule in addition to SkwhirlHaus. This income will help cover the expenses for the business. Her current students will also be students at SkwhirlHaus. Because SkwhirlHaus is not offering the traditional classes that other dance studios in the area are, SkwhirlHaus will have a unique niche and will share students with other local dance studios.
An online presence will be a large part of the marketing strategy. SkwhirlHaus already has a large presence on the social networking site, Facebook. The website for SkwhirlHaus will be informative, impressive and eye-catching. Online coupons will be offered through the website on a monthly basis. SkwhirlHaus will be a member of the Decatur Business Association. Word of mouth will also be a large part of the SkwhirlHaus marketing plan because of the director's broad network she has built over the past 16 years teaching in the Atlanta area. SkwhirlHaus will have a presence at all local schools, festivals and events and will have stickers and t-shirts available for interested and potential students.
The space will have a large, open dance floor, bathroom and changing area. A one year lease will be signed with the opportunity to expand to a multi-studio space after one year. The largest start-up expense is the installation and construction of the specialized flooring required in a professional, dance space. This floor will be 30 by 40 feet and will be covered with a dance floor covering called marley. Mirrors will also be installed as well as a sound system, sound-proofing, and some furniture. The neighborhood where the business will be located is a stable area, filled with thriving businesses and a community of people supporting local businesses and their owners. The director also has the support of her extended family and fianc?.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451775
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-2000 Debt/Income ratio: 50%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 12Length of status:3y 8m
Credit score: 740-759 (Mar-2010) Total credit lines: 29 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $39,264Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: excellent-loot Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
I am a Registered Nurse. My gross annual income is $70,000. I have been paying the minimum?on credit cards and need help consolidating my bills. I have 2 credit cards with high interest rates. Please help me get out of this debt treadmill of only paying off minimum payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451777
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.50% Starting borrower rate/APR: 18.50% / 20.72% Starting monthly payment: $546.06
 
Auction yield range: 17.04% - 17.50% Estimated loss impact: 18.97%  
Lender servicing fee: 1.00% Estimated return: -1.47%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 7 / 7Length of status:24y 9m
Credit score: 760-779 (Mar-2010) Total credit lines: 30 Occupation: Sales - Retail
Now delinquent: 5 Revolving credit balance: $5,075Stated income:$100,000+
Amount delinquent: $8,972 Bankcard utilization: 34%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 12    
Screen name: DiamondVic 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
We're back for the second time.
The credit profile is showing info from over 7 years back. We have no delinquent payment currently.? Note. the credit score it is current

We feel that we are a good candidate because we have been in business for over 20 years.? Our business has had good steady growth over the years.? Making around $230,000. annually. Now?that the economy?has slowed, ?we still have been showing some growth. Some years better the others. In 2008 gross sale at $229,228. 2009 at $234,122. looking for 2010 to be even more. We pay all bills on time. And have just a little dept. On a monthly bases we can make anywhere from $9,000 to $30,000. in the slower months Prospers loan would help get us by till more money comes in.

2003 the president of the company had?heart bypass surgery with complications lasting around 1 year. This resulted in a personal bankruptcy.? Of witch and been settle and closed. We have in our possession a letter from our bankruptcy attorney stating that our bankruptcy was do to medical reason and does not involve CVR Jewelers Inc.? However it is still showing on our business credit.? ??

CVR jewelers has
Prosper balance $515. / monthly payment $515 / my last payment is in April 2010 yeah
American Express balance $5,341 / monthly $148 / interest 15.24%


CVR monthlyt bills
total $10,540 + ?Cost of goods sold?.? This could be anywhere from $2000. to $9000. The more money we make in new sales the more ?Cost of goods? we have.??

Personal bills
total $5,467
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451781
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
 
Auction yield range: 17.04% - 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-1988 Debt/Income ratio: 10%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 2Length of status:0y 11m
Credit score: 720-739 (Mar-2010) Total credit lines: 14 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 8    
Screen name: sparkling-credit552 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
Charter Supplies
Purpose of loan:
This loan will be used to?
Get my charter boat in shape for the upcoming charter fishing season. I have the customer base with over 30 trips already booked. My equipment is in need of repair as well as the purchase of some new equipment. ????
My financial situation:
I am a good candidate for this loan because?
As soon as the charter season starts, April 17th, I will have the money to pay the loan back. I have over 15 years experience in the charter fishing field and am confident in my ability and customer base. I have no outstanding debt and have always paid all of my bills on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451805
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 27.38% Starting borrower rate/APR: 28.38% / 30.73% Starting monthly payment: $332.55
 
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: Sep-2000 Debt/Income ratio: 43%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 14 / 14Length of status:1y 9m
Credit score: 700-719 (Feb-2010) Total credit lines: 28 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $19,759Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 72%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 6    
Screen name: oyster1 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Going back to Cali to Cali to Cali
Purpose of loan:
My youngest sister is graduating from college in May in Cali (Im in MN) and by consolidating my bills my payments would go down enough that I can pay for the trip in CASH!? No more credit card spending for me!? Woo hoo!

This loan is going to help me consolidate my credit cards so I can pay them off in a quicker manner as well as increase my credit score.?? I used to have a lot more debt than I do now and have worked hard to pay it off.? I got into trouble in college when I paid for books, etc with credit cards, then took a job with poor medical insurance and ended up with some major medical issues that, yet again, had to go on cards.? I have gotten much better at not even having a card with me so I don't even have the option anymore! None of the loan is cash for me, just looking to increase my credit rating and get the bills paid off!
My financial situation:
-I am a homeowner and have not defaulted on any mortgage
-I have a full-time job that I have been at for 2 years and have had multiple promotions within that time so consider myself a valuable asset to my company
-I have a second income in my household that I have never asked for help but will if need be if a serious situation came up.?
-I have worked extremely hard to get my credit card debt paid down.? I used to owe more than double what I have now and between on time and more than minimum payments have gotten it down significantly
-I have worked hard to get my credit score where it is right now.? When I was in college I didn't understand credit and it slipped some.? I have been adament to get my score where it is and want to continue to see it rise and ensure all payments are made ON TIME or early

Monthly net income: $ 3400

Monthly expenses: $
??Housing: $?750
??Insurance: $ 60
??Car expenses: $ 234
??Phone, cable, internet: $ 100
??Food, entertainment: $ 50
??Clothing, household expenses $ 25????

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451817
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 17.04% - 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-2000 Debt/Income ratio: 26%
Basic (1-10): 1 Inquiries last 6m: 17Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 5 / 6Length of status:6y 8m
Credit score: 620-639 (Mar-2010) Total credit lines: 45 Occupation: Civil Service
Now delinquent: 5 Revolving credit balance: $5,281Stated income:$75,000-$99,999
Amount delinquent: $17,613 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 23    
Screen name: Hippydee Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 5 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
620-639 (Dec-2009)
640-659 (Sep-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 5  
Description
2nd loan paying off a creditor
Purpose of loan:
This loan will be used to?I got talked into buying a truck a few months back and soon realized I couldn't afford the payment or gas. I gave the truck back to the bank and bout a more affordable car. I now owe a difference on the truck of 10k the bank has agreed to settle for 7500 if I can pay within 3 months, I know it would be a stretch so I went ahead and agreed to pay 800 a month until the debt was satified. I can afford 800 but I don't want to. I would rather pay you guys and still have some extra cash. I also just finished my MBA so this would really help before my student loans kick in. I also noticed that prosper says I have 5 debt dq, however I have recently settled with them after a bad divorce and have only this on left. If you have any questions feel free to ask anytime

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 451823
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $588.07
 
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-1991 Debt/Income ratio: 47%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 12 / 12Length of status:12y 7m
Credit score: 680-699 (Mar-2010) Total credit lines: 84 Occupation: Professor
Now delinquent: 0 Revolving credit balance: $80,950Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: bmuctd11 Borrower's state: Louisiana Borrower's group: Professors
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 4 ( 100% ) 680-699 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
680-699 (Jul-2009)
640-659 (May-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 4  
Description
Pay uncle Sam
Purpose of loan:
This loan will be used to pay my taxes this year.??I received a letter from my student loan holder about this time last year.? I was informed that due to changes in federal legislation they had made the maximum amount of money allowed off of my account and they were now going to forgive the ballance of my student loan.? That was about 43,000 dollars.? I am not a finance or tax person so I did not comprehend the tax consequence of this act.? While doing taxes online last week I found that instead of my usual 6,000 refund I owed the IRS 12,500.? I do not want to get on a payment plan with them.? While I do not break laws when doing my taxes I do push the envelope sometimes and I do not want the IRS to begin looking at my returns with a magnafying glass.

My financial situation:
I am a good candidate for this loan because? I have been employed?continuously in the same?profession for 10 + years.

Monthly net income: $ 8000 household

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 100
??Car expenses: $ 1200
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 3000
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451829
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.22% Starting borrower rate/APR: 31.22% / 33.62% Starting monthly payment: $258.74
 
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: Jul-1985 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 14 / 14Length of status:11y 5m
Credit score: 700-719 (Mar-2010) Total credit lines: 26 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $245,693Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: receptive-order4 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Investments to enhance revenues
Purpose of loan:
This loan will be used to take advantage of what my company and its employees deem a great opportunity to increase revenues to pre-recession levels and beyond.? My recruiting firm (specializing in software sales and sales management) has been in business for over 11 years and I have learned from the recession ending in 2002 that these are the times to take advantage of the resurgence in the high tech industry and its need to find the highest quality salespeople.? We will use this money to invest in sourcing web sites to make sure we have the highest quality candidates to fill the openings that our clients have given us in the past few weeks.? We may also use it to contract with sources to help find these candidates.

My financial situation:
I am a good candidate for this loan because I haven't had a late payment in at least 20 years.? My company has thrived for over 11 years and has an extremely bright future.? We will likely have $48,000 in receivables due between now and May 11th.

Monthly net income: $ 13,000

Monthly expenses: $
??Housing: $ 2300
??Insurance: $ 350
??Car expenses: gas and maintenance only about $200
??Utilities: $ 250
??Phone, cable, internet: $ 150
??Food, entertainment: $ 1300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 2200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451841
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.04% - 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-1997 Debt/Income ratio: 19%
Basic (1-10): 4 Inquiries last 6m: 4Employment status:Retired
Enhanced (1-5):3 Current / open credit lines: 6 / 5Length of status:1y 1m
Credit score: 660-679 (Mar-2010) Total credit lines: 12Stated income:$50,000-$74,999
Now delinquent: 0 Revolving credit balance: $325 
Amount delinquent: $0 Bankcard utilization: 34%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: vigilance-spruce 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
Debt Consolidation
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? I am a retired disabled veteran.? I have guaranteed income through the VA and SSDI.? ?

Monthly net income: $ 4500


I plan to use the loan to consolodate my bills so we can buy the house we are living in.? I spent 12 1/2 years in the Army.? I went through some financial difficulty for a time when my husband went to IL while I was still on active duty.? He left to go secure a job.? I have two children, Kelbie and?John.? I have always had good credit?with a minor blunder for a short period of time.? I take this very seriously, and if anybody is willing to help us?out I will make my payments to you a priority.? Right now my DTI ratio is too high to qualify?for the house we are trying to buy.? We have been living here for a year and my daughter has moved 9 times in her short life.? I don't want to put her through that again.? I would be forever grateful...?

Monthly expenses: $
??Housing: $ 850.00
??Insurance: $?100
??Car expenses: $ 450.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 70.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $?200.00?
??Credit cards and other loans: $?15.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451853
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 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: 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: Jun-2002 Debt/Income ratio: 48%
Basic (1-10): 1 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 13 / 13Length of status:0y 4m
Credit score: 640-659 (Mar-2010) Total credit lines: 23 Occupation: Analyst
Now delinquent: 1 Revolving credit balance: $11,935Stated income:$25,000-$49,999
Amount delinquent: $148 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: appetizing-liberty 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 pay credit cards and lower monthly payment

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

Monthly net income: $
2500
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $ 80????
??Phone, cable, internet: $60
??Food, entertainment: $ 50
??Clothing, household expenses $
??Credit cards and other loans: $800
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451859
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 27.00% Starting borrower rate/APR: 28.00% / 30.62% Starting monthly payment: $62.05
 
Auction yield range: 8.04% - 27.00% Estimated loss impact: 7.15%  
Lender servicing fee: 1.00% Estimated return: 19.85%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-2009 Debt/Income ratio: 1%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 2 / 2Length of status:0y 9m
Credit score: 680-699 (Mar-2010) Total credit lines: 2 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $410Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 20%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: graceful-listing 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
Improving Credit Score
Purpose of loan:
This loan will be used to improve my credit score. I am new to the USA and would like to improve my credit score by taking a loan and making regular payments. I expect to keep paying for one year and then pay the remaining amount off in once.

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


Monthly net income: $ 4200


Monthly expenses: $ 2635
??Housing: $ 1345
??Insurance: $ 220
??Car expenses: $ 150
??Utilities: $ 120
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.