Listing Report:Supplement No. 234 dated May 06, 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 334218
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $180.76
 
Auction yield range: 16.99% - 17.00% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1998 Debt/Income ratio: 10%
Basic (1-10): 4 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 4 / 4Length of status:4y 4m
Credit score: 700-719 (May-2010) Total credit lines: 17 Occupation: Medical Technician
Now delinquent: 0 Revolving credit balance: $6,193Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: alternatex Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Purpose of loan
This loan will be used to?
consolidate bills, studio equipment
My financial situation:
I am a good candidate for this loan because?additional 60K comes in from significant other. Debt to credit ratio actually better

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $ 125
??Phone, cable, internet: $ 125
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 50
??Other expenses: $
I need to consolidate some bills, just purchased new home. I am awaiting my 8k tax return at this time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 375600
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $294.03
 
Auction yield range: 16.99% - 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-1997 Debt/Income ratio: 51%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 15 / 11Length of status:9y 3m
Credit score: 680-699 (May-2010) Total credit lines: 35 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $31,630Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: benl03 Borrower's state: Montana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Finishing Basement to Sell House
Purpose of Loan
This loan will be used to finish our basement so we can put our house on the market. I am relocating for my job and would like to increase the value of our home before we sell it. It will be 5 bedroom 3 bath instead of a 2 bedroom 2 bath. With the money from this loan we will add 3 bedrooms, 1 bathroom, finish the laundry room, and finish the storage room. We will also finish landscaping the yard, add in a sprinkler system, and add railings to our deck. We live in a college town in Montana and houses with more bedrooms sell for a lot more. ?I plan on paying off this loan with the equity from the sale of my house and also pay of some other debt.??

Financial Situation
I have always paid my bills on time. I am confident that I will be able to repay this obligation. I have worked at my current job for almost 10 years, and it is very secure. I recently graduated from college with a Bachelor?s degree in accounting and will be moving to a new position within the company as an Internal Auditor.????

Net Monthly Income: $2530 + $1890 (Wife?s income)??

Monthly Expenses:
Mortgage $1307
Utilities $325
Car Expenses $537
Insurance $91
Phone/Cable/Internet $150
Food/Entertainment $300
Household Expenses $250
Credit Cards $500??

After our monthly expense, we have about $950 left over every month to pay this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 422790
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,200.00 Prosper Rating: A Auction Duration: 14 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.20% Starting borrower rate/APR: 10.20% / 12.31% Starting monthly payment: $297.72
 
Auction yield range: 3.99% - 9.20% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 7.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-1986 Debt/Income ratio: 18%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 11Length of status:3y 0m
Credit score: 780-799 (May-2010) Total credit lines: 42 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $21,385Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 46%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Skady3love 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: 24 ( 100% ) 780-799 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
760-779 (Jan-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
My personal loan
I have a deed of trust on a time share, carrying an interest rate of 15.90 per cent. I am hoping to consolidate this loan with Prosper and be out of this debt in three years. I have an existing Prosper loan and have never been late.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455172
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,450.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 19.07% Starting borrower rate/APR: 20.07% / 22.31% Starting monthly payment: $91.14
 
Auction yield range: 7.99% - 19.07% Estimated loss impact: 6.94%  
Lender servicing fee: 1.00% Estimated return: 12.13%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1995 Debt/Income ratio: 32%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 21 / 20Length of status:2y 11m
Credit score: 660-679 (May-2010) Total credit lines: 49 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $25,551Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 73%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: newest-courageous-openness Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off a credit card. They raised my rate at the beginning of the year before the new laws went into affect. I keep paying extra but the interest is not letting me get ahead as fast as I would like. I am a good candidate for this loan because I always make my payments on time and pay extra.

I have also been reading debt-proof living, a monthly newsletter that shows you how to become debt free faster and stay debt free. A friend of mine showed me the program and they are debt free. She has been enlisted as my advisor and referred me to this site.

I am relisting this loan because I had a large commission bonus program that allowed me to pay off 2 small credit cards. I wanted to see if my score went up but oddly it didn't. I am on the 5 year to debt free plan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455774
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 16.99% - 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-1996 Debt/Income ratio: 37%
Basic (1-10): 1 Inquiries last 6m: 4Employment status:Retired
Enhanced (1-5):1 Current / open credit lines: 6 / 7Length of status:1y 0m
Credit score: 700-719 (Apr-2010) Total credit lines: 21Stated income:$50,000-$74,999
Now delinquent: 1 Revolving credit balance: $0 
Amount delinquent: $513 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: finance-pioneer8 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Inventory for the printing company
Purpose of loan:
This loan will be used to help my small business stay afloat.? We have several mid sized contracts that we have acquired and need the cash to produce to purchase supplies and needed machines that will pay off rather quickly.? These contracts will also allow us to expand our business.? We have engaged contracts with churches, funeral homes, direct mail company and a publishing company.? Each contract is long term (5-7 years).

My financial situation:
I am a good candidate for this loan because I pay my bills.? Also my company has the income from regular state reimbursements to consistently make on time payments.

Monthly net income: $
4600.00????????????
Monthly expenses: $
??Housing: $ 513.00
??Insurance: $ 315.00
??Car expenses: $ 697.00
??Utilities: $
??Phone75.00, cable17.00, internet: $ 11.99
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456824
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 32.45% Starting borrower rate/APR: 33.45% / 36.16% Starting monthly payment: $66.54
 
Auction yield range: 16.99% - 32.45% Estimated loss impact: 19.91%  
Lender servicing fee: 1.00% Estimated return: 12.54%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-2007 Debt/Income ratio: 107%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Part-time employee
Enhanced (1-5):1 Current / open credit lines: 1 / 1Length of status:0y 6m
Credit score: 660-679 (Apr-2010) Total credit lines: 2 Occupation: Other
Now delinquent: 0 Revolving credit balance: $41Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 8%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: orderly-loyalty Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a Used Car
Purpose of loan:
This loan will be used to purchase a used car.

Monthly net income: $400-600

Monthly expenses: $
School loan through Trade School: $ 200 (for a total $ 5,200 left to pay)
Credit Card: $ 500 (will be paid off in 2 weeks)
Phone Bill: $ 100

My financial situation:
I am a good candidate for this loan because I figure if I'm going to bust my chops it might as well be for something worthwhile. Hence, a car.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456926
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 10.99% Starting borrower rate/APR: 11.99% / 14.12% Starting monthly payment: $166.05
 
Auction yield range: 10.99% - 10.99% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.76%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1992 Debt/Income ratio: 30%
Basic (1-10): 6 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 16 / 16Length of status:5y 3m
Credit score: 700-719 (May-2010) Total credit lines: 29 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $31,774Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: friendly-repayment 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
A Little Breathing Room
Purpose of loan:
This loan will be used to?Make Mortgage payment and consolidate small credit cards

My financial situation: My wife and I are week to week
I am a good candidate for this loan because?I will be using it consilidate credit cards, making my monthly burden lighter

Monthly net income: $ 4,800-5,000

Monthly expenses: $ 4,000-4,500
??Housing: $1,200
??Insurance: $200
??Car expenses: $335
??Utilities: $400
??Phone, cable, internet: $200
??Food, entertainment: $600
??Clothing, household expenses $200
??Credit cards and other loans: $800
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456954
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.99% - 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: 43%
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 6 / 6Length of status:11y 1m
Credit score: 640-659 (Apr-2010) Total credit lines: 19 Occupation: Other
Now delinquent: 5 Revolving credit balance: $316Stated income:$25,000-$49,999
Amount delinquent: $216 Bankcard utilization: 35%  
Public records last 12m / 10y: 0/ 3 Homeownership: Yes  
Delinquencies in last 7y: 12    
Screen name: NEWMUSICJBD2 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
CONSOLIDATION
Purpose of loan:
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457086
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.99% - 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-1998 Debt/Income ratio: 33%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 6Length of status:5y 3m
Credit score: 700-719 (Apr-2010) Total credit lines: 28 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,894Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 101%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 18    
Screen name: unafraid-moola8 Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Card Consolidation
Purpose of loan:
This loan will be used to consolidate my montly bills in respect to credit cards.

My financial situation:
I am a good candidate for this loan because I will pay my loan on time. I am currently going through a divorce and?would just like to consolidate all my bills into one payment. I found out my wife was cheating so we have decided to part ways, which has pretty much left me with all the bills. I have?$5000 in credit card bills. I would like to pay these off and consolidate the payments into one.

Monthly net income: $ 2600 after taxes

Monthly expenses: $?1842.95
??Housing: $ 705.65
??Insurance: $ 123.00
??Car expenses: $ 381.53
??Utilities: $ 140.00
??Phone, cable, internet: $ 200
??Food, entertainment: $
??Clothing, household expenses $?
??Credit cards and other loans: $?292.77
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457098
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 16.99% - 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: Oct-1996 Debt/Income ratio: 39%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 11 / 8Length of status:1y 10m
Credit score: 600-619 (Apr-2010) Total credit lines: 54 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $8,526Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: Bratt79 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,800.00< 31 days late: 0 ( 0% )  
620-639 (Aug-2008)
 
Principal balance: $1,020.55 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
2nd Prosper Loan for a Wedding!
Purpose of loan:
This loan will be to pay for a wedding sept 18, 2010. ?

My financial situation:
I am a good candidate for this loan because, I and my fiance both work Full Time jobs while raising 2 kids and going to school.?This is my second loan with Prosper and I have a 100% re-payment history. You cant go wrong with investing with my loan. Great return!
Monthly net income: $ for the household $3500

Monthly expenses: $
??Housing: $ 725.00
??Insurance: $ 150.00
??Car expenses: $ 250.00, 1 car payment
??Utilities: $ 85.00
??Phone, cable, internet: $?45, we live with just basic?cable and internet :)
??Food, entertainment: $ 200, we always cook at home and rarely go out for entertainment
??Clothing, household expenses $?0
??Credit cards and other loans: $ 250
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457108
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
 
Auction yield range: 10.99% - 34.00% Estimated loss impact: 10.87%  
Lender servicing fee: 1.00% Estimated return: 23.13%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1999 Debt/Income ratio: 6%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 3Length of status:0y 10m
Credit score: 640-659 (May-2010) Total credit lines: 20 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $6,136Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Investor_Ennui Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 7 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Feb-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Moving Expenses
Greetings!? Let me update you since my last loan (paid in full).? I finished my MBA and got a great job in Rhode Island, along with a fantastic pay raise.? My 1 year lease will end in July, so my family and I are looking to move into a larger place (a nice house on a lake).? We have three children, and find the current apartment a little too cramped. ? Originally we planned to pay for the move with our tax refund; however we used it to pay down our credit cards.? That lifted our credit score; however the companies subsequently lowered my credit limits on those cards.??

Here is my monthly budget:??

Income??

Net Salary - $4,132.76
Rental Income - $1,200.00
Side Work - $167.00??
Total - $5,499.76??

Current Expenses??
Mortgage ? $1,316.00
Rent ? $1,285.00
Tuition - $535.00
Cell Phones ? $104.00
Cable ? $150.00
Power ? $250.00
Water ? $60.00
Netflix ? $9.00
Storage ? $55.00
Laundry ? $80.00
Gymnastics ? $130.00
Alarm - $45.00
Chase Card ? $40.00 ($1,600.00 balance)
USAA Card ? $70.00 ($4,350.00 balance)
BP Card ? $10.00 ($200.00 balance)
HD Card ? $10.00 ($300.00 balance)
BAC Card -$45 ($1500.00 balance)
Misc (Groceries, Medical, Gasoline, etc.) - $1,200.00??

Total Expenses: $5,394.00??

The home we are going to rent out is a little more expensive, much nicer, and much larger.? We will actually save money because we will no longer have to pay for storage ($55.00), Laundry ($80.00), or Private School Tuition ($375.00).? Considering rent will be an additional $215.00 a month, total savings will be $295.00 a month. ? Additionally, I have a compensation structure at my job that gives me a (8% - 10%) raise every 6 months, until June 2011.? At the end of June 2011, I will be up for a substantial promotion.

Whatever money is left over from the move, will be applied to existing debt.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457116
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
 
Auction yield range: 16.99% - 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: Oct-1995 Debt/Income ratio: 20%
Basic (1-10): 3 Inquiries last 6m: 7Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 1 / 2Length of status:5y 1m
Credit score: 640-659 (Apr-2010) Total credit lines: 65 Occupation: Analyst
Now delinquent: 6 Revolving credit balance: $9,442Stated income:$25,000-$49,999
Amount delinquent: $6,750 Bankcard utilization: 35%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 62    
Screen name: caring-contract 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
A wedding in jeopardy
Purpose of loan:
This loan will be used to pay off my wedding costs. I will need all the financial help I can get to make this event successful. I appreciate your consideration.

My financial situation:
I am a good candidate for this loan because I have a stable job with an excellent monthly income. I will make timely monthly payments. I used to have excellent credit.?A few years ago, I got very sick and lost my job, then my financial?world got turned upside down. Alot of the remarks?that now?is still on?my credit are old and expired. I am working on fixing them.?Now, I'm trying to rebuild my credit slowly, but surely.?

Monthly net income: $3,829

Monthly expenses: $935?
??Housing: $400?
??Insurance: $100?
??Car expenses: $0
??Utilities: $50
??Phone, cable, internet: $35
??Food, entertainment: $150
??Clothing, household expenses $0
??Credit cards and other loans: $200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457122
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $203.56
 
Auction yield range: 16.99% - 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-1986 Debt/Income ratio: 10%
Basic (1-10): 1 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 4 / 3Length of status:20y 6m
Credit score: 700-719 (Apr-2010) Total credit lines: 15 Occupation: Police Officer/Corr...
Now delinquent: 1 Revolving credit balance: $513Stated income:$50,000-$74,999
Amount delinquent: $17,522 Bankcard utilization: 102%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: just-gettin-by Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 3 ( 100% ) 700-719 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
760-779 (Mar-2010)
660-679 (Oct-2009)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 3  
Description
Home Improvement, 2nd Prosper Loan
This loan will be used to construct a deck in my backyard.?This will add equity to my home and provide a safe place for my grandchildren to play.? I have the manpower lined up to save on labor and cut cost drastically.

I am a good prospect for this loan due to always being faithful to my creditors, friends, and colleagues.? I have one bad mark on my credit due to a recent divorce after 15 years. This involved a out of state home.? I am slowly coming back from the damage this has caused (I was co-signer on a house out of state). My credit rating has went up more than 20 points from my last Prosper Loan from the mid to upper 600's?to around the?719 mark.? I am working diligently to pay off bills and re-establish my credit.? I earn a good income as a Police Officer of 23 years working for the same City. ?I am engaged to a wonderful woman and will use any excess funds to help with the wedding or pay off higher interest credit debt.

Project plans:? I am asking for this amount?due to the size of the deck being fairly?large, 24' x 14'.? I am getting a pretty good deal by everyone wanting to help out.? This will be my 3rd time asking for this loan, however, I have been very close to the goal.? Please consider this loan, as the added equity in our house will be well worth the time constructing/building the deck. Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457126
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 23.99% Starting borrower rate/APR: 24.99% / 27.30% Starting monthly payment: $159.02
 
Auction yield range: 16.99% - 23.99% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 9 / 9Length of status:0y 5m
Credit score: 720-739 (Apr-2010) Total credit lines: 27 Occupation: Other
Now delinquent: 0 Revolving credit balance: $6,192Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: organized-power2 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
5 classes away from my degree
Purpose of loan:
This loan will be used?to?finish my degree.??

My financial situation:
I am a good candidate for this loan because?I am a hard worker.? With help?and this loan?I will be able to finish my degree and go on to work in the school to help brighten the future of many, many youth.? Working with children is my passion.? I want to be able to give back to the youth.? I volunteer a lot of hours now because that give me the chance to be with my daughters and to help boost the morale of other youth in the community.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457132
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,750.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 26.29% Starting monthly payment: $225.59
 
Auction yield range: 10.99% - 23.00% Estimated loss impact: 10.56%  
Lender servicing fee: 1.00% Estimated return: 12.44%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1970 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 7 / 6Length of status:3y 9m
Credit score: 720-739 (May-2010) Total credit lines: 18 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $12,760Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: GlobaleCommerce 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
Successful eCommerce Biz Expanding
Purpose of loan:
This loan will be used to expand a successful 3 year old eCommerce business?with 35% increase in sales for a total of $229,000 in 2009.??I successfully sell a niche product on eBay, Amazon, Bonanzle, iOffer, Etsy, and two of my own websites.? This loan will be?used to?optimize?our stores on each of these sites in order to increase?revenue significantly.?

My financial situation:
I am a good candidate for this loan because I have few financial obligations and?have have successfully launched retail stores on every major retail venue.? Now is the time for me to corner the market!?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457134
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 9.44% Starting borrower rate/APR: 10.44% / 10.79% Starting monthly payment: $503.35
 
Auction yield range: 2.99% - 9.44% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.93%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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: 16%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:10y 11m
Credit score: 800-819 (May-2010) Total credit lines: 32 Occupation: Civil Service
Now delinquent: 0 Revolving credit balance: $8,250Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 41%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: edpensionguy 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: 18 ( 100% ) 800-819 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
620-639 (Aug-2008)
620-639 (Dec-2007)
620-639 (Jun-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 18  
Description
Consolidate debt used for home
Purpose of loan:
This loan will be used to pay off credit cards that I used?for home improvements (paint, crown molding, etc.) and consolidate debt into 1 payment.?
Current Income:
$4,124?take home
$243?VA benefit
Total:$4,367
Monthly Living Expenses:
$2,205 Mortgage+Tax/Ins
$125 Elec
$200 Cable
$85 Car Ins
$75 Cell Ph
Total: $2,690
$1,677 Left over
Current Debts (to be paid off with loan):
$15,130/ $615 per month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457150
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 11.53% Starting monthly payment: $47.84
 
Auction yield range: 3.99% - 8.20% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-1997 Debt/Income ratio: 41%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 10Length of status:6y 9m
Credit score: 760-779 (May-2010) Total credit lines: 38 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $11,531Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 76%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: discrete-gold 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
My loan for debt consolidation
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457156
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,600.00 Prosper Rating: 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: $253.32
 
Auction yield range: 16.99% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-2004 Debt/Income ratio: Not calculated
Basic (1-10): 2 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 1 / 1Length of status:0y 1m
Credit score: 640-659 (May-2010) Total credit lines: 6 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $18Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 6%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 7    
Screen name: supreme-currency 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
Achieve Goals: School, Car Repair
Purpose of loan:
The purpose of this loan is to cover some school expenses, car repair, and expand my already existing online business. I currently work at a company that owns and operates an online e-commerce network of websites ranging from photography/cameras products to boating/fishing products. I manage the product content for one of their websites. My home-based business is consistently generating $250+/month in marketing revenue. I manage a portfolio of over 100 websites each generating marketing revenue and commission sales. Some of this loan will be used to further develop my online business and provide working capital which will be used for expansion, development and marketing. On my off time, I am preparing for my CA real estate license and currently taking classes to further enhance my knowledge and background on web design/development. Some of this loan will be used to cover some class expenses. Also, my car is desperately in need of service so some of this loan will be used for car repair so I can get to and from work.

My financial situation:
I am an excellent candidate for this loan because I have ample income to cover this loan. In addition, I manage a portfolio of over 100 websites that generates approximately $250+/month in marketing revenue and is in need of working capital which should result in an increase in monthly marketing revenue. I?ve been paying my car payment of $816.00 and my car insurance of $215.00 for past 3 years on time, and reduced my overall living expenses by moving into my parent?s residence. I have never missed a car/insurance payment and have always paid my payments on time. My focus is to cover some school expenses, car repair and expand my already existing online business.

Monthly net income: Approximately $ 2,700.00

Monthly expenses: $1,456.00
??Housing: $0.00
??Insurance: $215.00
??Car expenses: $816.00
??Utilities: $0.00
??Phone, cable, internet: $0.00
??Food, entertainment: $200.00
??Clothing, household expenses $0.00
??Credit cards and other loans: $25.00
??Other expenses: $200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457158
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 16.99% - 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: Sep-1988 Debt/Income ratio: 40%
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 4 / 4Length of status:22y 11m
Credit score: 680-699 (May-2010) Total credit lines: 24 Occupation: Police Officer/Corr...
Now delinquent: 1 Revolving credit balance: $21,496Stated income:$50,000-$74,999
Amount delinquent: $3,364 Bankcard utilization: 86%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 6    
Screen name: stylish-agreement Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off bad debt
Purpose of loan:
This loan will be used to pay off a bad debt to get my credit score up, it will also be used to pay off a high interest credit card and to help with paying college education expenses for my stepdaughter.

My financial situation:
I am a good candidate for this loan because I am willing to work hard to get myself out of debt so that I will not have as much stress in my life.? I am a good candidate also due to the fact that I had good credit before getting involved with Fast Debt Solutions and they gave me bad advice on how to handle my creditors and that they would take care of everything which they really did help, but with Capital One they really messed me up and that is what effected my credit rating.?

Monthly net income: $ 3,237.68

Monthly expenses: $ 2424.00
??Housing: $ 380.00
??Insurance: $?30.00
??Car expenses: $0
??Utilities: $ 260.00
??Phone, cable, internet: $ 125.00
??Food, entertainment: $?250.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 1,379.00
??Other expenses: $?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457162
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.0%  
   
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 26.29% Starting monthly payment: $235.40
 
Auction yield range: 16.99% - 23.00% Estimated loss impact: 20.32%  
Lender servicing fee: 1.00% Estimated return: 2.68%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1997 Debt/Income ratio: 14%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 9Length of status:2y 1m
Credit score: 620-639 (Apr-2010) Total credit lines: 16 Occupation: Biologist
Now delinquent: 0 Revolving credit balance: $13,269Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 100%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: justin1993 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
620-639 (May-2008)
 
Principal balance: $1,084.02 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
paying off my credit cards
Purpose of loan:
This loan will be used to?pay off credit cards?

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

Monthly net income: $ 4500.00 (approximately)

Monthly expenses: $
??Housing: $ 1895.00
??Insurance: $ 55.00
??Car expenses: $ 80.00
??Utilities: $ 180.00
??Phone, cable, internet: $?200.00
??Food, entertainment: $ 450.00
??Clothing, household expenses $?70.00
??Credit cards and other loans: $ 200.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457166
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,700.00 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: $122.14
 
Auction yield range: 16.99% - 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-2000 Debt/Income ratio: 47%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 20 / 18Length of status:3y 10m
Credit score: 600-619 (May-2010) Total credit lines: 47 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $8,918Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: oodaisy1 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: 1 / 1 On-time: 21 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
580-599 (Jul-2008)
 
Principal balance: $544.26 31+ days late: 0 ( 0% )
Total payments billed: 21  
Description
My Dog Needs Surgery
Purpose of loan:
This loan will be used to?pay for my dog's surgery. He's a 4 year old yorkie and he has ruptured?his?ligament in his right hind knee. He also has an out of place knee cap that will be adjusted during the ligament surgery. I'm a teacher and I'm getting ready to go on summer break. I've saved enough money to get through the summer, pay my bills, and?extra money to be comfortable but not enough to pay for his entire SURPRISE surgery, which is going to end up costing me a little over $3000 with all of the tests, x-rays, and procedures that go along with the surgery. So, I'm asking for a little help, please.

My financial situation:
I am a good candidate for this loan because? I pay ALL my bills on time. I'm just young enough to not have a substantial savings (which is I why I am asking for this loan) but just old enough to realize the importance of good credit, paying your bills on time, and paying off your debt. Not only do I work full time as a teacher, but, I am also a full time Ph.D student.?Once I am completely finished with my Ph.D?in December,? I? plan to begin paying down all of my debt. So, I will definitely pay?Prosper loans off first because they will be the smaller of my debts and it's smart to pay those off first.


Why am I looking for a loan on Prosper, you might ask? Well, ?I applied for Care Credit, which is a?medical credit program through GE Money Bank, but I was denied because of?heavy usuage of my accounts (which is mostly beause of my grad school costs and I use 2 of my credit cards throughout the school year to buy supplies for my classroom as I am a science teacher). And, because of school, I haven't had a chance to pay down my debt yet. Also, I've agreed to have my payments automatically deducted from my bank account.

Monthly net income: $ 2839.72

Monthly expenses: $ 1454
??Housing: $ 625
??Insurance: $ 114
??Car expenses:?Own
??Utilities: $ 65
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457174
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.39% Starting borrower rate/APR: 26.39% / 28.98% Starting monthly payment: $60.75
 
Auction yield range: 10.99% - 25.39% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.76%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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: 12%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 1 / 1Length of status:2y 7m
Credit score: 640-659 (May-2010) Total credit lines: 2 Occupation: Other
Now delinquent: 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: ideal-asset7 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
debt consolidation
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??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 457182
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $159.46
 
Auction yield range: 3.99% - 8.20% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-1973 Debt/Income ratio: 63%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 6Length of status:6y 11m
Credit score: 720-739 (May-2010) Total credit lines: 22 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $29,610Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 50%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: bill-gravity1 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
My loan for debt consolidation
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457184
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $415.98
 
Auction yield range: 10.99% - 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: Jul-1990 Debt/Income ratio: 64%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 10 / 10Length of status:0y 7m
Credit score: 700-719 (May-2010) Total credit lines: 24 Occupation: Other
Now delinquent: 0 Revolving credit balance: $141,996Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: newest-attentive-payment Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to to pay of credit cards at high rates. Never been late on payments.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457186
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $277.32
 
Auction yield range: 10.99% - 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: Nov-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 7 / 6 Occupation: Professional
Credit score: 700-719 (May-2010) Total credit lines: 16Stated income:$25,000-$49,999
Now delinquent: 0 Revolving credit balance: $5,640 
Amount delinquent: $0 Bankcard utilization: 35%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: lovely-kindness1 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
Eliminate debt to help others
Purpose of loan:
This loan will be used to pay off my credit card debt so I have extra money to contribute on kiva.org and heifer.org.

My financial situation: I am ok. Still putting effort in learning to manage my money. I will be in much much better shape if the credit card debt is out of the way.
I am a good candidate for this loan because I am a generous and grateful person myself. I believe in karma and always remember who has helped me.

Monthly net income: $3000 +-

Monthly expenses:
??Housing: $860.42
??Insurance: $307
??Car expenses: $286.71
??Utilities: $50
??Phone, cable, internet: $150
??Food, entertainment: $400
??Clothing, household expenses $200
??Credit cards and other loans: $400
??Other expenses: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457188
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
 
Auction yield range: 16.99% - 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: Oct-2002 Debt/Income ratio: Not calculated
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 8Length of status:2y 0m
Credit score: 660-679 (Apr-2010) Total credit lines: 31 Occupation: Other
Now delinquent: 4 Revolving credit balance: $504Stated income:$25,000-$49,999
Amount delinquent: $2,062 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 6    
Screen name: poguemahone Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
4000.00 to lease martini lounge
Purpose of loan:
Security deposit, bar supplies that were taken.? we would also like to?get a cheapter LCD tv if this loan is?funded.?Previous owner closed the martini lounge about a month ago, there is a lot of potential and was already profitable at time of close.? It is in a high traffic area and about 1/2 mile from a busy Walmart.?

Basically my dream is to own various things and this martini lounge fits into that mold and will be a great start.? I have a smaller income so it will be easy to meet that and hopefully double that in the next year.? The place is low key and perfect for people looking for a higher class establishment.? We will be playing jazz, blues, and older R&B music to keep the feel mellow and more refined.?

My financial situation:
I have worked up my credit score from a 525 over the past five years.? I made mistakes when I was in college and have learned to be more financially aware.? Besides my income since I am going to work and run the bar with two partners there shouldn't be any issue repaying a loan. Besides that my wife is an RN and also has a substantial income. I have received some financing from friends and other sources but still that only helped pay for some of the minor things along the way.?
Monthly net income: $ 5350.00

Monthly expenses: $
??Housing: $ 1300.00
??Insurance: $ 100.00
??Car expenses: $ 400.00
??Utilities: $ 350.00
??Phone, cable, internet: $125.00
??Food, entertainment: $ 650.00
??Clothing, household expenses $ 300.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457190
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 12.85% Starting borrower rate/APR: 13.85% / 16.01% Starting monthly payment: $102.31
 
Auction yield range: 5.99% - 12.85% Estimated loss impact: 5.21%  
Lender servicing fee: 1.00% Estimated return: 7.64%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1965 Debt/Income ratio: 9%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:7y 3m
Credit score: 740-759 (Apr-2010) Total credit lines: 23 Occupation: Other
Now delinquent: 2 Revolving credit balance: $5,683Stated income:$50,000-$74,999
Amount delinquent: $6,407 Bankcard utilization: 36%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 10    
Screen name: bickellworks Borrower's state: Colorado Borrower's group: Geek Power!
Credit and homeownership information was obtained 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: 21 ( 100% ) 740-759 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
600-619 (Apr-2007)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 21  
Description
Loan to pay off credit cards
Purpose of loan:
Paying off two credit cards completely, with the remaining balance going to a third card.

Previous loan on Prosper:
I am a previous Prosper borrower (in 2007) and paid off that loan in full and never missed or late on a payment.

Current financial situation:
Since my last loan, I have gotten a raise, paid off debt, purchased my first home and managed to make it through this darn recession still employed.

I am currently employed as a web and multimedia developer for a company in Seattle. I've been with this company since 2002. I work from my home office and have been working remotely for the past three years. I also do freelance web development for a variety of clients.

These are the three credit cards that I'll be paying with the loan. As you can see, I typically pay $300 / month towards these cards. With this loan, the first two balances will be eliminated, and about half of the third card.


Card 1 (CareCredit for veterinarian use)
Interest rate: 27%
Credit limit: $4500
Balance: $1053
Typical monthly payment: $80

Card 2
Interest rate: 18%
Credit limit: $1250
Balance: $370
Typical monthly payment: $50

Card 3
Interest rate: 14%
Credit limit: $3500
Balance: $3000
Typical monthly payment: $150
TAKE HOME PAY
$2750

CURRENT EXPENSES

Housing: $ 1100
Insurance: $ 100
Car expenses: $ 250
Utilities: $ 80
Phone, cable, internet: $ 180
Food, entertainment: $ 200
Clothing, household expenses $ 50
Credit cards and other loans: $ 200
Other expenses: $ 100

If you have any questions, please ask. Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457192
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 19.07% Starting borrower rate/APR: 20.07% / 22.31% Starting monthly payment: $111.60
 
Auction yield range: 7.99% - 19.07% Estimated loss impact: 6.94%  
Lender servicing fee: 1.00% Estimated return: 12.13%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1989 Debt/Income ratio: 21%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 17 / 17Length of status:1y 7m
Credit score: 680-699 (Apr-2010) Total credit lines: 47 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $13,280Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 72%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: enthusiastic-listing Borrower's state: NewHampshire Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My last chance....
Purpose of loan:
This loan will be used to consolidate bills.

My financial situation:
I am an excellent candidate for this loan, I have FT Job and a Small Business that I started in April 09 that has survived in this recession.??

I understand I have some risk here, BUT, I ALWAYS, ALWAYS pay my bills on time, I am never late.? I am NOT a quitter nor? have I ever given up and taken advantage of all these programs for folks who just simply stopped giving a darn, and now have free food, free health-care and free rent!

All I want is to take this loan? funding and re-arrange my household bills, consolidate etc. This is my THIRD try and I almost get there but always miss. I'm used to things always being a challenge, nothing has been handed to this gal!? So please? consider this.......

I've survived ...and the economy may have tarnished my once 800 FICO score,? but I'm still maintaining,? and holding my own. I'm hoping you will consider my request. I'm also putting my daughter in college in three months and because I WORK so hard to be independent? we? do not qualify for ANY Federal "Obama " funding. Not one federal dime will help me put my daughter through college.

Monthly net income: $ 6000.00

Monthly expenses: $
??Housing: $ 2424.00
??Insurance: $ 100.00
??Car expenses: $ 386.00
??Utilities: $ 300.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 475.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457194
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $79.73
 
Auction yield range: 3.99% - 8.20% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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: 26%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 15 / 15Length of status:10y 7m
Credit score: 720-739 (May-2010) Total credit lines: 30 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $11,542Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: trade-edifice929 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
I AM That New Patio Room Furniture
Purpose of loan:
This loan will be used to to finance patio room furniture addition enclosure.? This will increase the value of the home, in addtiion to the increase in? property value as the economy improves.? There is no HELOC or second mortgages on the property.? We do not plan to sell the home, as this is now our retirement Home.
My financial situation:
I am a good candidate for this loan because I have employment stability and excess income to make monthly payment.
Monthly net income: $ 4542? and my elderly mother whom lives with me?has a Retirement and Social Security?Monthly Net income of $ 2250.??Additionally, my Fiance lives with me and helps with monthly expenses.??This is my third listing the first one I did not send all the requested documents in time and the secon one did not fully fund. I guess i requested too much.? So I have decided to go with the original loan request of $2500.? And, all documents have been sent now.? Also, I have included the only question received from the 2nd listing. Thank You.??
Monthly expenses: $ 3950
??Housing: $ 1250
??Insurance: $ 250
??Car expenses: $ 450
??Utilities: $ 350
??Phone, cable, internet: $ 99
??Food, entertainment: $?500
??Clothing, household expenses $ 200
??Credit cards and other loans: $?200
??Other expenses: $ 200
Q: What is the rush to make this improvement? Why not save money over time and then make the improvement? Thanks and best wishes.A: I initially requested only $2500, but Prosper offered $4500. We were going to use the rest to invest here on Prosper as an Investor. If the full $4500 doe not fund we will except the amount there after the Listing Ends. Additionally we have already been in the house for 8 years and just simply want to enjoy the Outdoors this Summer, while being indoors. Cost of the build out patioroom 12599 I am using savings 10000. And it is not good to use all savings & nothing left in Bank for rainyday. (Apr-12-2010)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457196
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.39% Starting borrower rate/APR: 26.39% / 30.33% Starting monthly payment: $40.50
 
Auction yield range: 10.99% - 25.39% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.76%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1996 Debt/Income ratio: Not calculated
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Not employed
Enhanced (1-5):3 Current / open credit lines: 6 / 4Length of status:4y 9m
Credit score: 660-679 (Apr-2010) Total credit lines: 55Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $23,416 
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: umbrella19 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
Move after medical school!
Purpose of loan:
This loan will be used to help move my husband and I (and unborn baby!) to our new town where I have been accepted into an Emergency Medicine residency program.

My financial situation:
I am a good candidate for this loan because I am always on time with monthly payments.? Also, my new job is a guaranteed $40,000+/year, a great salary for the area where we are moving as the cost of living is very low.? My husband's salary will pay the bills until I start in June. Then, we'll have 2 salaries to help meet our monthly obligations!
*High debt to income ration due student loans (deferred during residency)
*credit cards used to survive when student loans were depleted
*we are trustworthy!? Help us help you!? We move & make our Prosper payments-->you profit from your investment!
*THANK YOU!

Monthly net income: $2000.00.? After I begin my new job as resident physician on July 1, 2010 monthly net income will be $3500 (which includes my husband's salary).

Monthly expenses: $
??Housing: $ 500 ???
??Insurance: $ 60
??Car expenses: $ 200
??Utilities: $ 60
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 700
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457198
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.34% Starting borrower rate/APR: 9.34% / 11.44% Starting monthly payment: $63.92
 
Auction yield range: 3.99% - 8.34% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.22%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1988 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 10 / 10Length of status:7y 8m
Credit score: 700-719 (May-2010) Total credit lines: 37 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $43,143Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: asset-fort 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
Tranny shot
Purpose of loan:
Repair Transmission on Truck. The high debt/income ratio, and the?Bankcard utilization % are just a snapshot at this time. I bought an investment property to buy/fix/sell and used my credit cards to do this.?This house is under contract and will close in about 25 days.?I'll have my credit cards paid back down after we close on?this property.?My previous credit score was about 780. I'll continue to make payments on my prosper.com loan to reward you for helping me out.

My financial situation:
I am a good candidate for this loan because? I have a good job with a steady income. My wife is a professional in the?Medical?Rehabilitation field and has a high salary and stable job?as well. ?I?(my wife included) have NEVER been late on a payment and my credit bureau will reflect this. I'll continue to be responsible. Thank You!!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457202
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 24.57% Starting borrower rate/APR: 25.57% / 27.88% Starting monthly payment: $600.93
 
Auction yield range: 7.99% - 24.57% Estimated loss impact: 9.09%  
Lender servicing fee: 1.00% Estimated return: 15.48%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1966 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):5 Current / open credit lines: 5 / 4Length of status:5y 3m
Credit score: 780-799 (May-2010) Total credit lines: 16Stated income:$100,000+
Now delinquent: 0 Revolving credit balance: $1,104 
Amount delinquent: $0 Bankcard utilization: 5%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: friendly-worth8 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
AAA+ Credit for Home Improvement
Purpose of loan:
This loan will be used to remodel my kitchen and master bathroom for my wife. The project has a total expense of $30,000 in which I am putting $15,000 of my own money.

My financial situation: I am retired military with a retirement income of $10,000 a month.
I am a good candidate for this loan because I have guaranteed income with very low expenses.

Monthly net income: $ 10,000

Monthly expenses: $ 800
??Housing: $ Paid Off
??Insurance: $ 70
??Car expenses: $ Paid Off
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457210
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.49% Starting borrower rate/APR: 8.49% / 8.83% Starting monthly payment: $157.81
 
Auction yield range: 2.99% - 7.49% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 16 / 13Length of status:0y 2m
Credit score: 800-819 (May-2010) Total credit lines: 51 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $49,607Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 62%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: moola-mushroom4 Borrower's state: SouthDakota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Adding stone to house foundation
Purpose of loan:
This loan will be used to pay for the labor to add cast stone to the foundation of my house.? The house has been built for 4 years, but we never finished putting the final touches on the foundation.? I have paid cash for the materials, just need to pay for the labor in 1 week when the masons are finished.

My financial situation:
I am a good candidate for this loan because I have excellent monthly income and a stable job, I'm just short on cash flow this month as I had some medical bills to pay for that were unexpected and I already contracted the masons to do the stone work and purchased the materials.? I've never been delinquent on a loan since I've had one in the past 25 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457214
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.99% Starting borrower rate/APR: 17.99% / 20.20% Starting monthly payment: $180.74
 
Auction yield range: 16.99% - 16.99% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.95%  
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: Jun-1997 Debt/Income ratio: 39%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 8 / 7Length of status:4y 0m
Credit score: 640-659 (May-2010) Total credit lines: 28 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $30,774Stated 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: kibbychu 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
Paying Off Credit Card Debt
Purpose of loan:
This loan will be used to pay credit card debt.

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

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 457216
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.25% Starting borrower rate/APR: 26.25% / 28.57% Starting monthly payment: $121.27
 
Auction yield range: 10.99% - 25.25% Estimated loss impact: 10.62%  
Lender servicing fee: 1.00% Estimated return: 14.63%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1979 Debt/Income ratio: 16%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:6y 2m
Credit score: 680-699 (May-2010) Total credit lines: 29 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $4,998Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: impressive-exchange6 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
My personal loan for my education
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457218
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.99% - 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-1997 Debt/Income ratio: 14%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 0 / 0Length of status:2y 11m
Credit score: 660-679 (May-2010) Total credit lines: 33 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 1/ 1 Homeownership: No  
Delinquencies in last 7y: 13    
Screen name: rupee-spectacle 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
Payday Loans Dragging Me Down
Purpose of loan:
Payoff payday loans

My financial situation:
I am a good candidate for this loan because I'm??a hard working individual that deserves a second chance.

Monthly net income: $ 3200

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 120
??Car expenses: $300
??Utilities: $ 100
??Phone, cable, internet: $ 75
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $?0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457222
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 33.15% Starting borrower rate/APR: 34.15% / 36.59% Starting monthly payment: $134.27
 
Auction yield range: 13.99% - 33.15% Estimated loss impact: 15.53%  
Lender servicing fee: 1.00% Estimated return: 17.62%  
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-1995 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:13y 0m
Credit score: 680-699 (May-2010) Total credit lines: 16Stated income:$1-$24,999
Now delinquent: 1 Revolving credit balance: $14,721 
Amount delinquent: $960 Bankcard utilization: 61%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 3    
Screen name: the-extraordinary-note 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
My personal loan for my business
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457226
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.25% Starting borrower rate/APR: 26.25% / 28.57% Starting monthly payment: $141.48
 
Auction yield range: 10.99% - 25.25% Estimated loss impact: 10.62%  
Lender servicing fee: 1.00% Estimated return: 14.63%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2004 Debt/Income ratio: Not calculated
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:0y 8m
Credit score: 640-659 (May-2010) Total credit lines: 13 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,555Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: balance-twister Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Educational loan
I intend to use this loan to pay off some of the debts accrued from school this year.

I am an English literature student, planning to attend the University of Denver Publishing Institute, and hope to work with a publishing house upon graduation.

This summer I will be working two full-time jobs, and will be completely capable of paying back my debts.

Monthly breakdown:
Car insurance: $48
Rent: $50
Gas: $150-200
Food: $150
(and possibly a few odds and ends thrown in there)

Job 1: $1,500
Job 2: $800
*I volunteer at a hospital within the social work department 26 hours per week*

Also, According to CreditKarma my credit score is 717 (as of 5/4/2010). My revolving debt consists of text books and a meal plan, and a car emergency (new tires), which is what I plan on paying off with this loan.

Feel free to ask any questions.

Thanks for your support.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457230
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.25% Starting borrower rate/APR: 26.25% / 28.57% Starting monthly payment: $80.85
 
Auction yield range: 10.99% - 25.25% Estimated loss impact: 10.62%  
Lender servicing fee: 1.00% Estimated return: 14.63%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1985 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:44y 9m
Credit score: 720-739 (May-2010) Total credit lines: 4 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $5,802Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: rate-labyrinth 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
My personal loan for my business
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457232
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,200.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 21.69% Starting borrower rate/APR: 22.69% / 25.88% Starting monthly payment: $46.26
 
Auction yield range: 7.99% - 21.69% Estimated loss impact: 8.51%  
Lender servicing fee: 1.00% Estimated return: 13.18%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1988 Debt/Income ratio: 65%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 6Length of status:9y 9m
Credit score: 720-739 (Apr-2010) Total credit lines: 25 Occupation: Other
Now delinquent: 1 Revolving credit balance: $2,412Stated income:$25,000-$49,999
Amount delinquent: $672 Bankcard utilization: 35%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: bagtracer Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 11 ( 100% ) 720-739 (Latest)
Principal borrowed: $1,200.00< 31 days late: 0 ( 0% )  
720-739 (Jul-2009)
740-759 (Apr-2008)
740-759 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Pay Sears Credit Card
Purpose of loan:
This loan will be used to pay Sears Credit Card.
My financial situation:I am a good candidate for this loan because I believe in Prosper's vision to help everyday?Americans increase their?credit rating. I also plan on paying this loan off quicker then 3 years.? Let's Prosper!?Since I am single and do work a part time job along with overtime on my full time job; income?does vary.?My expenses for clothing and my apartment is?small. Thank you for viewing!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457236
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.30% Starting borrower rate/APR: 9.30% / 9.64% Starting monthly payment: $447.15
 
Auction yield range: 2.99% - 8.30% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-1975 Debt/Income ratio: 9%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:10y 0m
Credit score: 840-859 (May-2010) Total credit lines: 14 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $208Stated 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: contract-caper 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
My personal loan
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457246
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
 
Auction yield range: 16.99% - 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-1993 Debt/Income ratio: 13%
Basic (1-10): 5 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 5 / 4Length of status:0y 3m
Credit score: 660-679 (May-2010) Total credit lines: 31 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $1,778Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 32%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: momto2jboys Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 13 ( 100% ) 660-679 (Latest)
Principal borrowed: $4,500.00< 31 days late: 0 ( 0% )  
680-699 (Mar-2010)
620-639 (May-2009)
620-639 (Oct-2008)
640-659 (Mar-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Divorcing and need help
Purpose of loan:
This loan will be used to pay off some bills and to buy some stuff for a new apartment.? After 12 years of marriage starting out all over again.?Need a lot of household supplies.
?Will be moving out the 15th of this month.

My financial situation:
I am a good candidate for this loan because?I have had several loan from prosper and have always made the payments on time and every month.? I also have paid it off before hand each time. ??

Monthly net income: $1050.00

Monthly expenses: $? most bills my husband pays with his income.???I work a lot of overtime and would?be able to make the monthly payment no problem

??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 457248
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 33.29% Starting borrower rate/APR: 34.29% / 36.73% Starting monthly payment: $179.34
 
Auction yield range: 13.99% - 33.29% Estimated loss impact: 15.54%  
Lender servicing fee: 1.00% Estimated return: 17.75%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1987 Debt/Income ratio: 28%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 9 / 8Length of status:11y 5m
Credit score: 660-679 (May-2010) Total credit lines: 40 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,567Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 72%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 10    
Screen name: GIMOKE9717 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 19 ( 95% ) 660-679 (Latest)
Principal borrowed: $7,500.00< 31 days late: 1 ( 5% )  
640-659 (Sep-2009)
640-659 (Mar-2008)
640-659 (Jan-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 20  
Description
Consolidation loan
Purpose of loan:
I'm applying for this loan to consolidate some credit card accounts and to pay off a bill for some home repairs.?

My financial situation:
I?feel I am a good canidate for this loan?because of my past credit history with Prosper.??The last loan I had through Prosper was paid in full early.??I?feel like my?financial situation is also improving.? One?of the credit cards was?used for schooling and?I should be receiving a promotion at work.? My credit score has also improved since my last loan with Prosper.??The interest rate that I'm?paying on the credit cards is similar to the rate?on this loan.? The new loan would?save me money monthly and also lower my bankcard utilization %.??So, my credit score should improve?even more.???Please let me know if you have any other questions.? I appreciate your time!

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457250
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,855.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.30% Starting borrower rate/APR: 8.30% / 8.64% Starting monthly payment: $152.81
 
Auction yield range: 2.99% - 7.30% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-1995 Debt/Income ratio: 10%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:9y 2m
Credit score: 820-839 (May-2010) Total credit lines: 17 Occupation: Social Worker
Now delinquent: 0 Revolving credit balance: $4Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: pama Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 820-839 (Latest)
Principal borrowed: $4,900.00< 31 days late: 0 ( 0% )  
800-819 (Dec-2007)
820-839 (Apr-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
My personal loan for my business
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457254
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 18.90% Starting borrower rate/APR: 19.90% / 22.14% Starting monthly payment: $92.78
 
Auction yield range: 7.99% - 18.90% Estimated loss impact: 6.94%  
Lender servicing fee: 1.00% Estimated return: 11.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1992 Debt/Income ratio: 11%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:13y 2m
Credit score: 680-699 (May-2010) Total credit lines: 34 Occupation: Postal Service
Now delinquent: 0 Revolving credit balance: $1,518Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 55%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 30    
Screen name: loan-museum 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
My loan for home improvement
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457256
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 21.69% Starting borrower rate/APR: 22.69% / 24.96% Starting monthly payment: $192.74
 
Auction yield range: 7.99% - 21.69% Estimated loss impact: 8.51%  
Lender servicing fee: 1.00% Estimated return: 13.18%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1996 Debt/Income ratio: 47%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 9 / 9Length of status:5y 6m
Credit score: 700-719 (May-2010) Total credit lines: 47 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $34,032Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: order-magnolia 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
Sick of Hospital Bill
Purpose of loan:
This loan will be used to pay off a hospital bill. We bought an investment property using credit cards, so this is why we have a high debt/income ratio, and bankcard utilization #.?The investment?house is under contract and we'll close in about 25 days, so we will pay the credit cards down. In the mean time, we need a loan to pay for the surgery I had to have on my wrist. Previous credit score was 800+ !! (before buying investment property on credit cards). Next time we should have an A+ rating here on Prosper.com. We will make payments on this loan for a while so we can get a feel for how prosper.com works, and to reward you for helping us.

My financial situation:
I am a good candidate for this loan because?? We've NEVER been late on a payment, have an excellent track record with credit (which you can see here), and I'm back to work after a full recovery. My husband has a professional job too, so we have 2 incomes. The monthly expenses reflect our expenses?with 2 incomes, but you see the total here.

We look forward to becoming a lender too after we get a feel for how this works.

Monthly net income: $ 4,200

Monthly expenses: $
??Housing: $ 1630
??Insurance: $290
??Car expenses: $ 499
??Utilities: $ 150
??Phone, cable, internet: $ 195
??Food, entertainment: $ 475
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 1550
??Other expenses: $ 600
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457262
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 9.44% Starting borrower rate/APR: 10.44% / 10.79% Starting monthly payment: $487.11
 
Auction yield range: 2.99% - 9.44% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.93%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-1975 Debt/Income ratio: 32%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 21 / 20Length of status:0y 8m
Credit score: 840-859 (May-2010) Total credit lines: 60 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $15,443Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 18%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: deal-mushroom 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:
?????I am seeking to consolidate my credit cards into?one monthly payment in an effort to adhere to a budget that I?have set up for myself
with a goal to achieve financial freedom and live within my means.? I want to be able to begin contributing to my retirement account once again.

My financial situation:
???? I feel that I am a good candidate for this loan because of my payment history; the fact that I am a home owner; and have steady employment with excellent prospect of advancement..
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457274
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 16.99% - 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: 85%
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 4 / 4Length of status:2y 7m
Credit score: 640-659 (May-2010) Total credit lines: 10 Occupation: Sales - Retail
Now delinquent: 2 Revolving credit balance: $365Stated income:$1-$24,999
Amount delinquent: $1,173 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 5    
Screen name: bold-attentive-hope Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying credit cards
Purpose of loan:
This loan will be used to pay credit cards and other bills?

My financial situation:
I am a good candidate for this loan because? I work everyday have good job

Monthly net income: $ 1,617.00

Monthly expenses: $
??Housing: $ 450.00
??Insurance: $ 60.00
??Car expenses: $
??Utilities: $ 100.00
??Phone, cable, internet: $ 168.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 300.00????
??Credit cards and other loans: $500.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457280
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.99% - 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: Jun-1994 Debt/Income ratio: 12%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 2 / 2Length of status:5y 11m
Credit score: 640-659 (May-2010) Total credit lines: 25 Occupation: Analyst
Now delinquent: 2 Revolving credit balance: $683Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 3 Homeownership: No  
Delinquencies in last 7y: 17    
Screen name: serene-power2 Borrower's state: Maryland Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan for my education
Purpose of loan:
This loan will be used to help pay for grad school

My financial situation:
I feel I am a good candidate for this due to my low outstanding debt. Have the ability to pay this off in 3 months. If you have any questions let me know. All of my payments are current and I work as a software consultant and have been with the same company for the last 4 years. Just looking for some help to pay for the summer semester.

Monthly net income: $3000

Monthly expenses: $
??Housing: $0.00/paid off
??Insurance: $136
??Car expenses: $330
??Utilities: $200
??Phone, cable, internet: $180
??Food, entertainment: $300
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457286
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.99% - 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-2006 Debt/Income ratio: 7%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 0 / 0Length of status:2y 4m
Credit score: 640-659 (May-2010) Total credit lines: 2 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: maestro861 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457292
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.34% Starting borrower rate/APR: 9.34% / 11.44% Starting monthly payment: $63.92
 
Auction yield range: 3.99% - 8.34% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.22%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-2002 Debt/Income ratio: 28%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 5 / 4Length of status:0y 11m
Credit score: 740-759 (May-2010) Total credit lines: 13 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,722Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 37%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: decisive-repayment6 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
VECHILE REPAIR
Purpose of loan:
This loan will be used to?
VECHILE REPAIR
My financial situation:
I am a good candidate for this loan because?
I NEVER HAVE HAD A LATE PAYMENT & NEVER WOULD. MY TOP PRIORITY IS TO MAINTAIN A CLEAN & STRONG CREDIT HISTORY.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457298
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $361.89
 
Auction yield range: 16.99% - 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-2003 Debt/Income ratio: Not calculated
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 2 / 2Length of status:6y 9m
Credit score: 700-719 (May-2010) Total credit lines: 7 Occupation: Other
Now delinquent: 0 Revolving credit balance: $5,001Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 58%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: golden-economy5 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
Helping Out My Family
Purpose of loan:
This loan will be used to help my sister and her family. Her husband is currently stuck in Mexico fighting immigration officers to get back to the counry legally. They have run out of money for lawyers do this loan well get them the help they need.

My financial situation:
I am a good candidate for this loan because I recieve a monthly check from the United states navy and my sister is a full time employee and will be helping make the payments

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 457304
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $678.54
 
Auction yield range: 16.99% - 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: Sep-1990 Debt/Income ratio: 9%
Basic (1-10): 3 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 5Length of status:5y 0m
Credit score: 680-699 (May-2010) Total credit lines: 14 Occupation: Investor
Now delinquent: 0 Revolving credit balance: $561Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 5%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: dough-pudding 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
Expanding Childrens Clothing Line
Purpose of loan:
We are a children's clothing label that is being represented by two showrooms at the world trade center in Dallas, Texas. We sell mostly wholesale to boutiques all over the world and are looking to expand our client base. We plan to purchase inventory for faster shipment to our clients in order to increase confidence and orders. Also by buying in larger bulk we can cut our costs by another 15%. We have affiliations with a great charity that we will be donating a portion of our profits to as well. www.karismaticchaos.com
The designer and heart behind our brand created this line in honor of her daughter and she has an innovative look for children's fashion.
We are made up of 4 partners and two are veterans of the Navy, including the designer and co-founder.


My financial situation:
We have zero debt. We are looking to expand our company. We will be able to pay because the payment is low even for our off peak times and we have orders that are waiting to be filled once we have funding.

Monthly net income: $7500

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457322
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.39% Starting borrower rate/APR: 27.39% / 29.73% Starting monthly payment: $205.17
 
Auction yield range: 10.99% - 26.39% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1968 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 26 / 25Length of status:1y 2m
Credit score: 740-759 (May-2010) Total credit lines: 51 Occupation: Other
Now delinquent: 0 Revolving credit balance: $135,043Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 51%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: contract-auctioneer3 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
buying new living room and bed sets
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 457328
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 23.50% Starting borrower rate/APR: 24.50% / 26.80% Starting monthly payment: $296.22
 
Auction yield range: 7.99% - 23.50% Estimated loss impact: 6.76%  
Lender servicing fee: 1.00% Estimated return: 16.74%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1979 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 9Length of status:7y 2m
Credit score: 800-819 (May-2010) Total credit lines: 30 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $0Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Austin_TXbooks Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
NEED FUNDING TO MOVE & GROW!
Purpose of loan:

I have owned my University of Texas bookstore for 2 years and was profitable from the start. Our revenue for 2009 were $1.2M and had a profit margin of 12% to 15%.? When I purchased the business May of 2008 revenues were $480K.? I reinvest most of the profit back into the business to finance the growth.

We just negotiated a below market rate deal for a better location for our store.? The new location will lower our rent, while increasing our visibility and revenue. If we exercised the renewal option on our current lease we would be restricted from selling course packets, providing copy services and several other revenue streams as part of non-compete clauses in our lease.? The drawback to moving June 1 is that we will have spent all our money buying books back from students in May.? We will not have the extra cash to cover the first and last months rent.? I will not get my current security deposit back for 30 to 60 days.? Additionally, we will not cash out our investment in books until late August. So, cash is tight. Summer books sales will cover all operating costs until the Fall regular school term starts.

With modern technology, we do not buy any textbooks that are obsolete and will always have built in margin.? They are highly liquid, sellable, recession proof, and always in demand.

My Financial Situation:
I am personally debt free. I own my home and my car 100%. I have co-signed loans for my daughters for their cars, though they pay the notes.? In a nut shell, I live within my means.? On the business side, I have no outstanding obligations.? All, payroll taxes, rent, monthly bills are paid current.? The only time I incur debt is when I finance book buybacks, or buy new textbooks on account with publishers.

I HAVE AN 800+ PERSONAL CREDIT RATING SO, YOUR INVESTING WITH ME IS PRETTY SAFE. FEEL FREE TO ASK ME ANY QUESTIONS. I WILL GET BACK TO YOU PROMPTLY.? LET YOUR FRIENDS KNOW ABOUT ME SO WE CAN GET THIS FUNDED.? THE STUDENTS WILL BE THE REAL WINNERS!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457334
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.25% Starting borrower rate/APR: 27.25% / 29.59% Starting monthly payment: $204.80
 
Auction yield range: 10.99% - 26.25% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1978 Debt/Income ratio: 20%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:0y 5m
Credit score: 760-779 (May-2010) Total credit lines: 19Stated income:$25,000-$49,999
Now delinquent: 1 Revolving credit balance: $7,016 
Amount delinquent: $1,420 Bankcard utilization: 32%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 11    
Screen name: powerful-dinero1 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
My loan for debt consolidation
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 364449
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 16.99% - 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: Oct-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 3Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 5 / 4Length of status:11y 11m
Credit score: 640-659 (May-2010) Total credit lines: 19 Occupation: Other
Now delinquent: 1 Revolving credit balance: $1,688Stated income:$50,000-$74,999
Amount delinquent: $205 Bankcard utilization: 29%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 15    
Screen name: Alaskanman Borrower's state: Alaska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
inventory for yurt rental program
Purpose of loan:
This loan will be used to?I have a small yurt manufacturing business. We have a permit with the state of Alaska to provide yurt rental camp sites in the Kachemak Bay State Park. We are currently gearing up for the seasonand need some extra money to improve and complete the camp sites before May 30th. The sites are booking well and the income is historically enough to repay this loan in 2 months.?

My financial situation:
I am a good candidate for this loan because? I have owned and operated Nomad Shelter Inc since 1998 incorporated in Alaska. I also own 2 llc,s Alaskan Yurt Rentals and Alaskan Yurts. All of my businesses are operating in the black and building. Nomad Shelter demonstrated a 60% sales growth last year and has consistent yearly sales growth of over 20% for the last 5 years. I have a fair credit rating because we built the business on credit cards and we went through a difficult period at start up. This negatively impacted our scores even though we repaid all the loans. We have immediate need for capital to be ready for this years tourist season.

Monthly net income: $ 6,000

Monthly expenses: $
??Housing: $ 1700
??Insurance: $ 150
??Car expenses: $ 500
??Utilities: $ 300
??Phone, cable, internet: $ 300
??Food, entertainment: $ 1000
??Clothing, household expenses $ 1000
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 446519
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $477.12
 
Auction yield range: 16.99% - 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: Nov-2000 Debt/Income ratio: 35%
Basic (1-10): 2 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 3 / 2Length of status:4y 9m
Credit score: 660-679 (May-2010) Total credit lines: 4 Occupation: Other
Now delinquent: 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: green-famous-investment 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 Payday loan/Wedding Exp
Purpose of loan:
This loan will be used to pay off an american general loan and to buy and engagement ring and plan a honeymoon and other wedding expenses.

My financial situation:
I am a good candidate for this loan because i have a steady job in the fire alarm industry and?5 years technical experience in systems. I make approx $2k monthly and get paid weekly and i always pay my bills ontime.

Monthly net income: $ 2000

Monthly expenses: $
??Housing: $ 0
??Insurance: $?122??Car expenses: $ 416
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $?approx $250
??Clothing, household expenses $ 100 sometimes
??Credit cards and other loans: $ 0
??Other expenses: $122.00 monthly for loan
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456309
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $79.73
 
Auction yield range: 3.99% - 8.20% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-2003 Debt/Income ratio: 6%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 6Length of status:0y 11m
Credit score: 720-739 (Apr-2010) Total credit lines: 21 Occupation: Other
Now delinquent: 0 Revolving credit balance: $765Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 21%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: sfkris 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
Trip to Europe
About Loan:
I would love to take a trip to Germany for 3 weeks this summer. I have all my PTO saved up and have it all planned out. My father speaks German and visited the country when he was my age and I would love the same opportunity. I want to try out Prosper and peer-to-peer lending instead of putting this trip on a credit card. I've heard great things about Germany and would love to take a much needed vacation there. I would greatly appreciate this loan.

I have a great job in downtown San Francisco working for a financial services technology company. I am a marketing coordinator and have been working there for the past 11 months. I have great credit history and my only other debt is a student loan.

About Me:
I love living in San Francisco. I like mountain biking, fishing, running, reading, and trying new restaurants. Thanks for considering my loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456363
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 9.44% Starting borrower rate/APR: 10.44% / 10.79% Starting monthly payment: $487.11
 
Auction yield range: 2.99% - 9.44% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.93%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 17 / 16Length of status:12y 5m
Credit score: 820-839 (Apr-2010) Total credit lines: 52 Occupation: Realtor
Now delinquent: 0 Revolving credit balance: $75,071Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 60%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: agile-note9 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
Solar Franchise inventory
Purpose of loan:
This loan will be used to? provide cash flow to obtain inventory and infrastructure?as well as?necessary tools and accessories ?for Solar Franchise business to conduct day to day operations.

My financial situation:
I am a good candidate for this loan because?my background in engineering and business ownership in Real Estate finance.? My credit score is over 800 and my Real Estate?company?bottom line remains in the black.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456663
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $678.54
 
Auction yield range: 16.99% - 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: Jul-1986 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 8Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 3 / 3Length of status:3y 3m
Credit score: 640-659 (Apr-2010) Total credit lines: 15 Occupation: Sales - Retail
Now delinquent: 1 Revolving credit balance: $452Stated income:$0
Amount delinquent: $392 Bankcard utilization: 162%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 3    
Screen name: wonderous-bid0 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
"FREE MONEY"
Purpose of loan:
This loan will be used to? Get you some FREE MONEY! How? Well, simply invest what you can and you will get your money back with interest! That's free money for you! Then you can use your profit from me to reinvest! It's just that simple.

I am a stay at home Mom and I realized how hectic working a conventional 9-5 was and realized it's Not for me!? I want to work for myself to secure my financial future.

With your money I will build a new website for my new online childen's retail store and purchase inventory . I will keep a few thousand in my business bank acount because you never know if there will be an emergency. I have done all the legwork! I have my vendors lined up however, I discovered that most of them have a $200.00 minimum to place an order.? I already purchased the website name but I need inventory to put on the site. I have my website developer lined up and that cost approximately $1000.00.? I have studied search engine optimization.? So I am prepared to make sure that my web page will rank high.?I have my own online blog that keeps me active in the children's fashion world http://www.mariandbreekids.wordpress.com.

I also frequent websites that I feel are competitors and I view their press information page and I wrote down hundreds of names of magazines writers and editors so that I can solicit a free write up about my new store once it opens. I am prepared to advertise on facebook, google adsense, and the back of a couple of parent magazines. I have a BS in Fashion Merchandising but i had hard luck working in corporate America as a Buyer.? Most of the retailers I worked for went out of business. I discerned all of their shortcomings and I am prepared not to make the same mistakes that they made.

My financial situation:
I am a good candidate for this loan because?
I have learned my lesson in the past about not paying bills on time and I now have credit cards with low utilization percentages.? I recently read a book called "The Secret" I decided to take the authors advice and go out on a limb and ask for what I want.? I really want to work for myself but I need your help. I realize that I can't become financially prosperous (like my play on words) by working for someonelse. I can do it! I was young and immature in the past and very irresponsible with my spending.? Now that I have children which puts everything into perspective I am much more financially responsible.

Monthly net income: $ 2200

Monthly expenses: $
??Housing: $ 750
??Insurance: $ 40
??Car expenses: $ 0
??Utilities: $ 70
??Phone, cable, internet: $ 35
??Food, entertainment: $?300
??Clothing, household expenses $ 30
??Credit cards and other loans: $?55
??Other expenses: $ 70
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456987
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 34.02% Starting monthly payment: $42.45
 
Auction yield range: 16.99% - 29.00% Estimated loss impact: 19.69%  
Lender servicing fee: 1.00% Estimated return: 9.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-2007 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 6 / 6Length of status:5y 4m
Credit score: 660-679 (Apr-2010) Total credit lines: 25 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,950Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 37%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Soulgoodproductions Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 21 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
540-559 (Jun-2008)
 
Principal balance: $544.38 31+ days late: 0 ( 0% )
Total payments billed: 21  
Description
New Business venture
Purpose of loan:
This loan will be used to? Is to fund a new business venture that has the potential to very prosperous both inspirational and financial

My financial situation:
I am a good candidate for this loan because? My credit score is 702 as of 4-20-2010 and my financial situation is good to where I have created income that allows me to pay this loan back in? 1year instead of 3.

Monthly net income: $ 1300

Monthly expenses: $
??Housing: $ 200
??Insurance: $ 75
??Car expenses: $ 180
??Utilities: $ 50
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 125
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457075
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $203.56
 
Auction yield range: 16.99% - 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-1996 Debt/Income ratio: 38%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 5Length of status:23y 6m
Credit score: 660-679 (May-2010) Total credit lines: 20 Occupation: Truck Driver
Now delinquent: 0 Revolving credit balance: $3,501Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: DRP1942 Borrower's state: California 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: 1 / 1 On-time: 31 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,500.00< 31 days late: 0 ( 0% )  
660-679 (Oct-2009)
620-639 (Aug-2009)
620-639 (Aug-2007)
 
Principal balance: $947.10 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
debt consolidation
Purpose of loan:
This loan will be used to? consolidate debt

My financial situation:
I am a good candidate for this loan because? never late or missed a payment. I have 1? negative because of my daughter being late on an account that's in my name.

Monthly net income: $ 2500

Monthly expenses: $
??Housing: $ 625
??Insurance: $
??Car expenses: $
??Utilities: $ 40
??Phone, cable, internet: $ 110
??Food, entertainment: $ 250
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 340
??Other expenses: $ 190
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457107
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 16.99% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1997 Debt/Income ratio: 38%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 14 / 10Length of status:23y 7m
Credit score: 640-659 (May-2010) Total credit lines: 40 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $8,730Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: bestmeme Borrower's state: Alabama Borrower's group: Small Business &amp; Self Employed
Credit and homeownership information was obtained 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: 36 ( 100% ) 640-659 (Latest)
Principal borrowed: $12,500.00< 31 days late: 0 ( 0% )  
620-639 (Apr-2007)
620-639 (Mar-2007)
 
Principal balance: $11.75 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
home upgrade/car repair
Purpose of loan:
This loan will be used to? 1)appliances purchased 25 years ago have run their course and several need to be replaced. (3500).
2)My daughter is a recent breast cancer survivor (thankfully) but has accrued quite a bit of debt not covered by insurance. 2,000 would be used to help her erase some of this debt. 3) 2500 estimated for auto repair to get in running condition and 4)basic home upgrade - replacing tub, shower and refacing kitchen cabinets 2,000.

My financial situation:
I am a good candidate for this loan because? I would hope that my history with Prosper will indicate that I am a reliable, responsible and capable customer for repaying this loan.

Monthly net income: $ 3700.00

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Total expenditure for monthly bills totals approximately 2,500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457117
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.99% - 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-1972 Debt/Income ratio: 9%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:10y 11m
Credit score: 700-719 (May-2010) Total credit lines: 19 Occupation: Architect
Now delinquent: 2 Revolving credit balance: $1,341Stated income:$50,000-$74,999
Amount delinquent: $152 Bankcard utilization: 76%  
Public records last 12m / 10y: 0/ 3 Homeownership: Yes  
Delinquencies in last 7y: 5    
Screen name: green-commerce-griffin 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
WEDDING
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 457119
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.25% Starting borrower rate/APR: 27.25% / 29.59% Starting monthly payment: $204.80
 
Auction yield range: 10.99% - 26.25% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1999 Debt/Income ratio: 14%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 18 / 16Length of status:9y 0m
Credit score: 640-659 (Apr-2010) Total credit lines: 25 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $19,753Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: paracaptusa Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,999.00< 31 days late: 0 ( 0% )  
640-659 (Jun-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Paying off credit..
Purpose of loan:
This loan will be used to?Pay off credit to start season..

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: $
Thank you!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457125
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 20.94% Starting borrower rate/APR: 21.94% / 24.20% Starting monthly payment: $381.59
 
Auction yield range: 7.99% - 20.94% Estimated loss impact: 7.49%  
Lender servicing fee: 1.00% Estimated return: 13.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1975 Debt/Income ratio: 26%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 18 / 15Length of status:39y 5m
Credit score: 780-799 (Apr-2010) Total credit lines: 50 Occupation: Other
Now delinquent: 0 Revolving credit balance: $36,343Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 74%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: peso-sanctuary Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to consolidate?credit card debt.

My financial situation:
I am a good candidate for this loan because I have a stellar payment
history and?very good credit.? I am responsible, have a good steady
income and would like to consolidate credit card debt in to one
payment that will be paid off faster than paying monthly on each
card.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457135
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 12.00% Starting borrower rate/APR: 13.00% / 16.63% Starting monthly payment: $33.69
 
Auction yield range: 7.99% - 12.00% Estimated loss impact: 6.76%  
Lender servicing fee: 1.00% Estimated return: 5.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-1988 Debt/Income ratio: 22%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 10Length of status:7y 0m
Credit score: 680-699 (May-2010) Total credit lines: 33 Occupation: Other
Now delinquent: 0 Revolving credit balance: $9,939Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: tiny1968 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
680-699 (Oct-2009)
740-759 (Aug-2009)
680-699 (Apr-2008)
 
Principal balance: $400.01 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
just need money
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 457141
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.99% Starting borrower rate/APR: 19.99% / 22.23% Starting monthly payment: $111.48
 
Auction yield range: 10.99% - 18.99% Estimated loss impact: 10.45%  
Lender servicing fee: 1.00% Estimated return: 8.54%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2005 Debt/Income ratio: Not calculated
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:5y 2m
Credit score: 720-739 (Apr-2010) Total credit lines: 19 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $1,536Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 61%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: nykbbal Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying Inventory for Small Business
Purpose of loan:
This loan will be used to finance purchase of inventory for a small college bookstore.

My financial situation:
I am a good candidate for this loan because the business has shown success, I have good credit myself, never late for a payment, and have few debt obligations.

Monthly net income: $ 2200

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 45
??Car expenses: $ 150
??Utilities: $ 0
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 50
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457159
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 18.90% Starting borrower rate/APR: 19.90% / 22.14% Starting monthly payment: $185.56
 
Auction yield range: 7.99% - 18.90% Estimated loss impact: 6.94%  
Lender servicing fee: 1.00% Estimated return: 11.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1998 Debt/Income ratio: 15%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 2 / 2Length of status:9y 7m
Credit score: 640-659 (May-2010) Total credit lines: 29 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 10    
Screen name: imolaz31 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
My loan for debt consolidation
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457165
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $191.36
 
Auction yield range: 3.99% - 8.20% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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: 6%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:4y 0m
Credit score: 740-759 (May-2010) Total credit lines: 23 Occupation: Executive
Now delinquent: 4 Revolving credit balance: $8,890Stated income:$100,000+
Amount delinquent: $3,193 Bankcard utilization: 14%  
Public records last 12m / 10y: 0/ 3 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: Mike_ct 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
Pay off Credit Card
Purpose of loan:
This loan will be used to? Pay off credit card

My financial situation:
I am a good candidate for this loan because? Great job with 6 figure salary. Would like to re-establish myself
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457171
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
 
Auction yield range: 16.99% - 34.00% Estimated loss impact: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-2000 Debt/Income ratio: 5%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 3 / 2Length of status:12y 8m
Credit score: 600-619 (May-2010) Total credit lines: 42 Occupation: Accountant/CPA
Now delinquent: 5 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $4,840 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 30    
Screen name: peanut07 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,200.00< 31 days late: 0 ( 0% )  
620-639 (Jan-2010)
600-619 (Sep-2008)
500-519 (Sep-2006)
 
Principal balance: $709.81 31+ days late: 0 ( 0% )
Total payments billed: 18  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to?consolidate debt.

My financial situation:
I am a good candidate for this loan because I have a solid job and have been been at my current employer for over 12 years.
I currently have a Prosper loan and have made every payment on time.? If this loan is funded I will make sure each payment is made by the due date as I have on my existing loan.? In the past I had some medical bills from a surgery that hurt my credit score along with some loans that I was co-signer on with a family member.? They defaulted on the loans and I went back and paid each one of them off myself.
The medical bills have caused some current delinquent ratings on my credit report.?

Monthly net income: $ 3,600.00

Monthly expenses: $
??Housing: $350.00?
??Insurance: $ 100.00
??Car expenses: $?150.00
??Utilities: $150.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $400.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 600.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457185
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
 
Auction yield range: 16.99% - 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: Sep-2002 Debt/Income ratio: 26%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 9 / 9Length of status:4y 2m
Credit score: 660-679 (Apr-2010) Total credit lines: 29 Occupation: Nurse (RN)
Now delinquent: 1 Revolving credit balance: $349Stated income:$25,000-$49,999
Amount delinquent: $374 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 21    
Screen name: scholarly-agreement Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
starting martini lounge with spouse
Purpose of loan:
2000.00 for liquor and condiment expenses
1500.00 for june lease
500.00 for misc expenses.
compared to my previous listing this number has changed because we have worked out deals and acquired funds from other sources.

the lounge is going to be leased.? Was profitable before issues with previous owner and landlord.? Landlord has seized property and wants someone to lease asap. Traditional financing is currently unavailabe as we are not able to get books and numbers that are reputable to their standards. *COMMON with the restaurant and bar industry because of the amount of cash.

My financial situation:
I am a good candidate for this loan because?
I am an RN and don't have to worry about losing my job, I can always find work.? I am improving my financial IQ every month.? Working on debt consolidations and paying down bad debt.? My husband really wants to own a? business and this is a great opportunity.

Monthly net income: $ 5300.00

Monthly expenses: $
??Housing: $ 1300.00
??Insurance: $ 100.00
??Car expenses: $ 393.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 115.00 ???
??Food, entertainment: $ 550.00
??Clothing, household expenses $250.00
??Credit cards and other loans: $ 550.00
??Other expenses: $ 125.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457187
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $519.98
 
Auction yield range: 7.99% - 14.00% Estimated loss impact: 7.31%  
Lender servicing fee: 1.00% Estimated return: 6.69%  
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: Jun-2000 Debt/Income ratio: 12%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:9y 1m
Credit score: 780-799 (Apr-2010) Total credit lines: 17 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $8,798Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 39%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: nickel-chuckler Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
EQUIPMENT
Purpose of loan:
This loan will be used to purchase equipment and inventory.

My financial situation:
I am a good candidate for this loan because I have a good credit standing.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457191
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $173.33
 
Auction yield range: 10.99% - 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: Mar-1988 Debt/Income ratio: 19%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 8Length of status:0y 3m
Credit score: 720-739 (May-2010) Total credit lines: 12 Occupation: Other
Now delinquent: 0 Revolving credit balance: $6,813Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 47%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: sasha-and-johnny 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
640-659 (Jan-2008)
 
Principal balance: $1,251.37 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
Juki Industrial Sewing Machine plus
Purpose of loan:
This loan will be used to? Buy a Juki Industrial Sewing machine and Blind Stitch Machine, as well as pay off my previous Prosper loan and some of my credit card debt. I also am selling one of my 3 cars and a camper. That will take care of the rest of the credit card debt and put some money in savings.
My financial situation:
I am a good candidate for this loan because?I have a new job at Nordstrom as a Tailor. I had been in fashion for 25 years as a former Costume Designer in the Television and Film Industry. I am now retired and collectiong a Pension from that job.

My job at Nordstrom is part time for now, but, I am getting all kinds of side jobs, now that the word is out that I can sew. I am so busy, I have decided that it would really help me to get the proper equipment. Although I have 6 sewing machines, including a Bernina...none of them are heavy duty, (Industrial). I use a Juki at work, and love it!? I am a single Mom, and although my daughter is 16, I want to always be there for her. Hence...working at home and part time at Nordstrom's is a GOOD thing!

I'm not sure why Prosper gave me a "D" rating...my score is in the mid 700's. But I have not had this job at Nordstrom for very long. I also have applied for new credit cards in the last 6 months. One was for Sears so I could get a new freezer Interest free. Same thing at Best Buy...so?I could get a new computer Interest free for 18 months. I also had to buy new clothes for my new job (I hadn't really bought any new clothes for myself in years!! My daughter got all of the clothing budget!! She's a teenager!!)

I do have assets. My house is still worth about $375,000 in todays market (down from $450,000). I only owe $121,000. It's a huge, 3000 square foot home, built and bought in 2005. I put $190,000 cash down on it. I own outright, 3 cars and a camper. One of the cars is a 2005 Jeep Grand Cherokee with all the bells and whistles...still worth about $18,000.

The great people of Prosper helped me out 2 years ago, during the transition period?after my mom passed away. I was her primary care-giver and even provided her with Hospice care in the end. (It was very hard...). I'm hoping you can all help me out again.

Thank-you in advance


Monthly net income: $ 2500 plus

Monthly expenses: $
??Housing: $ 760 (mortgage)
??Insurance: $ 150
??Car expenses: $ ?no car payments
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $200
??Clothing, household expenses $
??Credit cards and other loans: $?330
??Other expenses: $250 (property taxes)?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457193
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 24.57% Starting borrower rate/APR: 25.57% / 27.88% Starting monthly payment: $1,001.55
 
Auction yield range: 7.99% - 24.57% Estimated loss impact: 9.09%  
Lender servicing fee: 1.00% Estimated return: 15.48%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1973 Debt/Income ratio: 78%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 25 / 21Length of status:16y 10m
Credit score: 760-779 (Apr-2010) Total credit lines: 51 Occupation: Police Officer/Corr...
Now delinquent: 0 Revolving credit balance: $31,739Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 47%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: camaraderi-confidant2 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
debt consolidation
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? I have a consistent work history, I pay my bills on time.? This bump in the road is because we have had several hospital emergencies for my wife and our combined income took a hit and now we are back on line.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457197
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.39% Starting borrower rate/APR: 26.39% / 28.72% Starting monthly payment: $81.00
 
Auction yield range: 10.99% - 25.39% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.76%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1984 Debt/Income ratio: 15%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 7Length of status:4y 10m
Credit score: 640-659 (Apr-2010) Total credit lines: 28 Occupation: Other
Now delinquent: 1 Revolving credit balance: $2,765Stated income:$50,000-$74,999
Amount delinquent: $400 Bankcard utilization: 44%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 15    
Screen name: needmoney678 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: 19 ( 95% ) 640-659 (Latest)
Principal borrowed: $2,000.00< 31 days late: 1 ( 5% )  
540-559 (Jul-2008)
580-599 (Jun-2008)
560-579 (May-2008)
540-559 (Feb-2008)
 
Principal balance: $1,157.92 31+ days late: 0 ( 0% )
Total payments billed: 20  
Description
pay off bills
Purpose of loan:
(explain what you will be using this loan for) Need alittle help to catch up with bills.


My financial situation: The loan will be used to pay my property tax and house insurance. Am currently trying to get my finances back on track using various means, including credit counseling to help me better understand and manage my finances.? Just need alittle more help.? I do not like my picture taken--avoid cameras like the plague, so none to submit.? Also, its hard to admit that after all these years I still have much to learn about handling my finances, hence I don't feel comfortable asking friends and family for endorsements.? Thank you to all who have bid on my loan previously, I truly appreciate it, please continue to do so.
(explain why you are a good candidate for paying back this loan)

Monthly net income: $ $2600.00

Monthly expenses: $ 1870.00
??Housing: $ 600
??Insurance: $ 100
??Car expenses: $?450
??Utilities: $ 150
??Phone, cable, internet: $ 125
??Food, entertainment: $ 120
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 125
??Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457203
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,900.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.25% Starting borrower rate/APR: 26.25% / 28.57% Starting monthly payment: $117.23
 
Auction yield range: 10.99% - 25.25% Estimated loss impact: 10.62%  
Lender servicing fee: 1.00% Estimated return: 14.63%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1991 Debt/Income ratio: 22%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 6Length of status:4y 11m
Credit score: 680-699 (Apr-2010) Total credit lines: 28 Occupation: Sales - Commission
Now delinquent: 1 Revolving credit balance: $13,258Stated income:$75,000-$99,999
Amount delinquent: $7,887 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: justlanc 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: 0 ( 0% ) 680-699 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
820-839 (Feb-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 0  
Description
Taking some college classes
(If you just bid on my previous request last week... my apologies... i decided to increase the amount a little bit to coincide with the actual amount due.? The bid was a success, so i am hoping this one funds just as easily)

Prosper worked well once before... so i really want to give it another shot!

I am not a credit risk, but have run?into slower times.?I am a home owner, professional business man, and very?upset about allowing my credit to suffer from recent home mortgage issues.? I am a former Navy Officer (Reserves now) and part time College Professor.? I have too much at stake to default?on any loans.

I?would like to use this loan to take some college classes.? The Navy GI Bill reimburses me $1300/month being enrolled full time.... but i need to pay tuition for the end of this semester and the start of the next semester.? While they do "defer" it a little bit, i need some money to get things moving.

Upon successful completion of this venture, I would also like to use the new funds to pay off the high rate that some of my credit cards have experienced lately.? I have basically quit using the credit cards and would like to eliminate the high interest fees that i am still paying... and wasting money on.? The monthly payments through Prosper make this an ideal situation for me to take advantage of the Navy funds for school and make fixed payments on this loan.

I have been a Prosper investor for several years, and unfortunately have seen many of my loans go unpaid.? I would not be one of those persons, as i have experienced first hand? the feeling.?

Use me as that SAFE / GUARANTEED return on your money!? And bid low to make sure you get in on this sure thing! :-)

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457209
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $596.40
 
Auction yield range: 16.99% - 24.00% Estimated loss impact: 35.88%  
Lender servicing fee: 1.00% Estimated return: -11.88%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2000 Debt/Income ratio: 71%
Basic (1-10): 1 Inquiries last 6m: 13Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 17 / 11Length of status:1y 9m
Credit score: 640-659 (May-2010) Total credit lines: 35 Occupation: Other
Now delinquent: 0 Revolving credit balance: $18,540Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 59%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: smart-leverage6 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay down high interest credit cards

My financial situation:
I am a good candidate for this loan because I am not late on credit card payments

Monthly net income: $ 1500.00

Monthly expenses: $
??Housing: $ 200.
??Insurance: $ 0.
??Car expenses: $
??Utilities: $ 120.00
??Phone, cable, internet: $
??Food, entertainment: $ 150.00
??Clothing, household expenses $
??Credit cards and other loans: $ 600.00
??Other expenses: $ 430.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457213
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.0%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 14.37% Starting monthly payment: $49.82
 
Auction yield range: 7.99% - 11.00% Estimated loss impact: 8.23%  
Lender servicing fee: 1.00% Estimated return: 2.77%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1998 Debt/Income ratio: 15%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 4Length of status:5y 4m
Credit score: 700-719 (May-2010) Total credit lines: 42 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 66    
Screen name: brooke92506 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 100% ) 700-719 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
680-699 (Jan-2008)
 
Principal balance: $470.88 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Kitchen Tile
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 457215
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 21.00% Starting borrower rate/APR: 22.00% / 24.26% Starting monthly payment: $381.90
 
Auction yield range: 3.99% - 21.00% Estimated loss impact: 2.20%  
Lender servicing fee: 1.00% Estimated return: 18.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-1969 Debt/Income ratio: 33%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 15 / 13Length of status:4y 0m
Credit score: 780-799 (May-2010) Total credit lines: 44 Occupation: Medical Technician
Now delinquent: 0 Revolving credit balance: $109,279Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 80%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: commanding-affluence2 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
Getting my debt paid off quicker
Purpose of loan:
This loan will be used to consolidate some credit card debt. I used credit cards to do some home improvements over the past year and the debt is spread across a few credit cards. I?d like to simply use this loan to consolidate the payments into one payment that I can pay off quickly.

My financial situation:
- Prosper is showing that my HELOC is included along with my other unsecured debt and that?s why it is so high.
-? I am current on all of my debt, along with my wife.
-? I have never missed a payment. My wife and I are very stable financially having only owned 3 homes in the past 40 years and not once in that time have I ever missed a payment on any loan.
-? I have great credit scores (mid 700's across all three credit bureaus).
-? In addition to my regular monthly income, I just began receiving social security and a pension, so my income is now just under $100,000/year. My wife also works and earns approximately the same salary that I do, she has just started collecting SS also.

Monthly Budget (for myself and my wife):
Mortgage PITI:? $2400
Other debt incl. CC: $1500
Food/Groceries:? $400
Utilities:? $200
Transportation/Gas:? $125
Clothing:? $100
Entertainment:? $100
TOTAL:? $4825

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457217
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,100.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 21.55% Starting borrower rate/APR: 22.55% / 24.82% Starting monthly payment: $234.70
 
Auction yield range: 7.99% - 21.55% Estimated loss impact: 8.51%  
Lender servicing fee: 1.00% Estimated return: 13.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1996 Debt/Income ratio: 17%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:1y 0m
Credit score: 700-719 (May-2010) Total credit lines: 18 Occupation: Other
Now delinquent: 0 Revolving credit balance: $6,048Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 50%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: transparency-fan 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
My loan for debt consolidation
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457219
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $371.64
 
Auction yield range: 16.99% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1982 Debt/Income ratio: 15%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 9Length of status:30y 9m
Credit score: 660-679 (Apr-2010) Total credit lines: 41 Occupation: Other
Now delinquent: 1 Revolving credit balance: $10,804Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 4    
Screen name: sunny-return356 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
Have
Purpose of loan:
This loan will be used to?pay off some credit card debt, and do some much needed work on my home. I am a single mom who is not afraid to work hard.? I work 2 jobs (a full and a part time).? I am trying to give my child every opportunity for a good education and life.? My ex husband left the family 11 years ago.? I have struggled but I have managed ok until recently. These past 2 years have been more difficult.?Two years ago, I experienced a salary cut (many at the firm did) which caused the delinquencies noted on my record. I realize that is true for many.? God has truly helped see me through with good health and the ability to work. ?I have learned to make adjustments, but I am trying to work very hard to pay everything off. It would be a tremendous relief to have my bills consolidated into one. I will also use a portion of the funds towards some home improvements.? I have a back porch on my home that is ready to fall off.? The wood is rotten. .? I have all the materials for a new deck to be put on, but I lacked the additional money to have someone actually put the deck up.? So this will help me to complete it.? I would greatly appreciate someone loaning the money to me (and my child).? I will repay it on time.? Thank you.

My financial situation:
I am a good candidate for this loan because?I am a hard worker!??I ;am a single mother who presently works 2 jobs.... a full time and a part time?I hope to work myself out of debt within 2 years... that is my goal.? I would greatly someone one giving me a chance and that opportunity.? Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457223
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $185.82
 
Auction yield range: 16.99% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1996 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: 14 / 13Length of status:10y 7m
Credit score: 680-699 (May-2010) Total credit lines: 31 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $28,066Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 100%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: important-peso3 Borrower's state: DistrictOfColumbia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Make Home repairs
Purpose of loan:
Make repairs to a bathroom.
My financial situation:
I am a good candidate for this loan because?
My monthly income is rather high. However, my monthly credit card debt is high because they were used to make substantial home improvements. The credit cards were going to be paid off with a home refinance. Unfortunately, I lost about $150,000 in equity because of the housing market which leaves the house underwater.
Monthly net income: $

Monthly expenses: $
??Housing: $?3700.
??Insurance: $ 100
??Car expenses: $ 1200
??Utilities: $ 250
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 2000.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457227
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
 
Auction yield range: 16.99% - 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: Oct-1999 Debt/Income ratio: 20%
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 4 / 4Length of status:3y 3m
Credit score: 600-619 (Apr-2010) Total credit lines: 31 Occupation: Other
Now delinquent: 0 Revolving credit balance: $208Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 83%  
Public records last 12m / 10y: 1/ 1 Homeownership: No  
Delinquencies in last 7y: 10    
Screen name: Se77vN Borrower's state: NewMexico Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 11 ( 100% ) 600-619 (Latest)
Principal borrowed: $2,700.00< 31 days late: 0 ( 0% )  
600-619 (Jan-2008)
600-619 (May-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Buying Motorcycle-2nd prosper loan
Purpose of loan:
This loan will be used to purchase a new/used motorcycle. I understand that gas will be going back up to roughly $4.00 per gallon this summer and would like to offset some of the fuel costs I currently have with a more economical option.

My financial situation:
I am a good candidate for this loan because I have used prosper before, and proved myself to be trustworthy recipient of funds. I have also cleared out a vast majority of my debt after my chapter 7 was discharged in 2009. If you were to look at my past credit history, you will see that I do pay my bills on time, and have learned to manage my credit in a smart and efficient manor. It is now time to start building my credit back up, and this will be a great opportunity for me to accomplish that. I have sufficient disposable income after all bills and expenses are paid every month. I just do not have the credit to actually go out and finance a motorcycle. I also split my rent and housing expenses between 2 other people with who I have known for more than 10 years, so it is much more manageable than paying these costs on my own. Please don't be afraid to bid on this one. I will absolutely pay this off, most likely in about 1 years time, just like my last prosper loan. Please feel free to ask any questions you might have, my life is an open book and I want you to feel confident about funding my loan.

Monthly net income: $2479.68

Monthly expenses: $
??Housing: $367 per month
??Insurance: $137 per month
??Car expenses: $314
??Utilities: $100
??Phone, cable, internet: $100
??Food, entertainment: $150
??Clothing, household expenses $100
??Credit cards and other loans: $200
??Other expenses: $100
Total expenses: $1,568 per month, leaving $911.68
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457229
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 10.25% Starting borrower rate/APR: 11.25% / 11.60% Starting monthly payment: $492.86
 
Auction yield range: 2.99% - 10.25% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 8.74%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1990 Debt/Income ratio: 22%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 10Length of status:6y 4m
Credit score: 800-819 (Apr-2010) Total credit lines: 38 Occupation: Professor
Now delinquent: 1 Revolving credit balance: $17,377Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 41%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: doc4acu 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 credit cards
Purpose of loan:
This loan will be used to pay off my credit cards. I just bought a new house and have paid for everything that needs to be done to date and I just want to clear my cards at a lower interest rate.

My financial situation:
I am a good candidate for this loan because I have an excellent job at a college. It is incredibly stable. In addition, as I have two doctorates, I have many opportunities and income from secondary sources including book royalties and speaking fees. In fact, I have a new book ready to go to my publisher (deal already completed)?which will provide additional revenue streams.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457231
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,500.00 Prosper Rating: 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: $655.92
 
Auction yield range: 16.99% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-2000 Debt/Income ratio: 26%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 9 / 6Length of status:17y 4m
Credit score: 720-739 (Apr-2010) Total credit lines: 46 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $2,837Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 28%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 5    
Screen name: debtfreesoon2008 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 24 ( 100% ) 720-739 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
680-699 (Feb-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
Payoff baloon car loan
Purpose of loan:
I have a 2006 Volkswagen Jetta.?When I bought the car Volkswagen credit offered a loan to me to keep the payment lower by having a 10,000 ballon payment at the end of the loan. I have one year of payments left plus the 10,000 dollar ballon pament. I was hoping to borrow 14,500 to resolve this loan with Volkswagen credit.
I origionally tried to process a loan for 21,000 to resolve all my issues at one time, but after reading the tips regarding not going over 15K I am seeking 14,500. This loan amount is less than the Prosper loan I had in the past that I paid off with no problems.?

My financial situation:
I am a good candidate for this loan because I can pay the money back on time!!!?
This is my second Prosper Loan, This first one I had automatically deducted monthly from checking account and paid it off early!

Monthly net income: $ 7200.

Monthly expenses: $? Before Loan
Housing: $?1450
??Car Insurance: $ 300
??Car expenses: $ 1785
??Utilities: $ 150
??Cell Phones, cable, internet: $ 250
??Food, entertainment: $ 500
??Clothing, household expenses $ 100????
??Credit cards: $?50??
??Gas expenses: $ 400

Monthly expenses: $ After Loan
??Prosper Loan: $? ???
? Housing: $?1450
??Car Insurance: $ 250
??Car expenses: $?900
??Utilities: $ 150
??Cell Phones, cable, internet: $ 250
??Food, entertainment: $ 500
??Clothing, household expenses $ 100???
??Credit cards: $?50?
??Gas expenses: $ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457235
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.99% - 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: Sep-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:0y 8m
Credit score: 640-659 (May-2010) Total credit lines: 15 Occupation: Other
Now delinquent: 0 Revolving credit balance: $14,677Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: duty-tempo1 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
Revamping Business
Purpose of loan:
This loan will be used to? pay down my credit cards so that I can revamp my business as a Personal Shopper / Wardrobe Stylist / Image Consultant..? I

My financial situation:
I am a good candidate for this loan because? I learned my lesson 10 years ago when I was in dire straits and didn't think that I would ever be able to pay down my debts.? However, I paid everything out completely and had no debt until a few months ago when I decided to take my own business venture. When I started my business, I didn't want to look into getting any loans so I used my own funding.? Hindsight being 20/20, I see that wasn't the best way to go.? Now, I am seeking a loan until I am paid out on a couple of contracts scheduled for the end of the month.

I know that my FICO score has taken a hit because of the fact that I have utilized my credit cards for funding when attempting to avoid taking out a loan.? I know that business ventures are risky, but if it comes to, I can always go back to full time employment to ensure that this loan is completely paid off.

I have the drive and I am persistent.? I've just hit upon a harder time, but I will get back to the point where I am completely debt free and I will be forever grateful to you for lending me this money at this challenging time.

Monthly net income: $ 3568

Monthly expenses: $ 1933
??Housing: $ 695
??Insurance: $ 268 (Life, Car,?Renter's, Health)
??Car expenses: $ 285
??Utilities: $ 100
??Phone, cable, internet: $ 45
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $?300
??Other expenses: $?40 (son's school lunch money)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457237
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.25% Starting borrower rate/APR: 26.25% / 28.57% Starting monthly payment: $121.27
 
Auction yield range: 10.99% - 25.25% Estimated loss impact: 10.62%  
Lender servicing fee: 1.00% Estimated return: 14.63%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2007 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 5 / 5Length of status:5y 4m
Credit score: 700-719 (May-2010) Total credit lines: 6 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $1,241Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 56%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: transparency-performer9 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
My personal loan for my education
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457239
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $17,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 10.35% Starting borrower rate/APR: 11.35% / 11.70% Starting monthly payment: $575.83
 
Auction yield range: 2.99% - 10.35% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 8.84%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2004 Debt/Income ratio: 19%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 4Length of status:4y 5m
Credit score: 800-819 (Apr-2010) Total credit lines: 13 Occupation: Police Officer/Corr...
Now delinquent: 0 Revolving credit balance: $3,869Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 12%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: micloans 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
HELP ME REPLACE MY ROOF
Purpose of loan:
****** I relisted this loan because I lost two days of funding when Prosper shut down last week.*****

This loan will be used to? Replace the roof of my house. I live in an older home and its time to replace the roof. I already had a few?roofers come to evaluate the roof and I"ve been told its absolutely the time for a new roof. I probably should have replaced it last year, but I just had my first child a few months back and needed some time to evaluate how much my expenses were going to increase. Now that its been 6 mths, I feel I've been able to adjust and can no longer put the roof repair off.? I had this listing listed last week and it didn't get the full amount to fund it because many people thought the cost was too expensive.? I want everyone to understand that the entire roof is going to be replaced, including the plywood. I need to finish this project soon because I'm starting to get water damage and I don't want this to cost me any more then it needs to. I also have increased the interest rate that I would pay in an attempt to get more funding.

My financial situation:
I am a good candidate for this loan because??I have excellent credit and take pride in keeping my credit score?high. I pay all my debt down and have never missed a payment or defaulted on any loan.?I currently have just over $20,000 in my savings account, but I'd like to keep that as my emergency fund.?I pay off my credit card every month and have not paid a cent of interest?to a credit card company in over three years. The balance that is shown?will be paid at the end of the month. It is high because I track all my financial activity?using computer software and charging everything makes it much easier to keep records of. I realize there are other options as far as getting a loan, but I don't have enough equity in my house to get a home equity loan. I would also rather pay off hard working people?instead of a large bank.?Between my wife and I we make about $135,000 a year?and currently save about?19% of our income (401k, 457 plan,?pention, and savings).?I have other money in investments that I could move around or access if there was ever an emergency and somehow the $20,000 couldn't cover my expenses. I currently am registered as a lender in Prosper and would like to ensure anyone reading this that this is a safe investment. This is also a very high interest rate for AA credit and I'm willing to pay that because I need to?make sure the rest of my house doesn't get damaged.

Thank you for your consideration
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457241
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.0%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $144.61
 
Auction yield range: 16.99% - 17.00% Estimated loss impact: 19.94%  
Lender servicing fee: 1.00% Estimated return: -2.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-2003 Debt/Income ratio: 19%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 7Length of status:2y 1m
Credit score: 620-639 (May-2010) Total credit lines: 19 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,092Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 63%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 2    
Screen name: Diva-quest 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 / 1 On-time: 17 ( 89% ) 620-639 (Latest)
Principal borrowed: $1,200.00< 31 days late: 2 ( 11% )  
620-639 (Sep-2008)
 
Principal balance: $583.65 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
Summer Program for Law School
I will utilize the loan for a summer program for Law School to cover expenses for mid June to late August. I am currently employed, but successful completion of the program will qualify me for a promotion. Also in the previous loan with Prosper I made monthly payments on time to build my credit. I hope that the Prosper Lenders have faith in me as a borrower and my career endeavors.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457249
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 16.99% Starting borrower rate/APR: 17.99% / 20.20% Starting monthly payment: $361.47
 
Auction yield range: 16.99% - 16.99% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.95%  
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: Jan-2003 Debt/Income ratio: 39%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 5Length of status:1y 6m
Credit score: 740-759 (May-2010) Total credit lines: 20 Occupation: Truck Driver
Now delinquent: 1 Revolving credit balance: $2,224Stated income:$25,000-$49,999
Amount delinquent: $143 Bankcard utilization: 74%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: liberty-prescription 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
need a hand up not hand out
Purpose of loan:
This loan will be used to
buy a semi truck
My financial situation:
I am a good candidate for this loan because?
my wife job covers all the bills at the house so everything i make will go strait to the loan????????
Monthly net income: $
when i have my own truck the net incom will be at least 1000 a week
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0?
??Car expenses: $?0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457253
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $159.46
 
Auction yield range: 3.99% - 8.20% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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: 16%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:15y 8m
Credit score: 760-779 (May-2010) Total credit lines: 23 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $389Stated 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: Vermonter Borrower's state: Vermont Borrower's group: N/A
Credit and homeownership information was obtained 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: 31 ( 100% ) 760-779 (Latest)
Principal borrowed: $12,500.00< 31 days late: 0 ( 0% )  
780-799 (Jul-2009)
740-759 (Apr-2009)
720-739 (Aug-2008)
760-779 (Jan-2008)
 
Principal balance: $3,430.46 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
My personal loan
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457257
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,900.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 16.00% Starting borrower rate/APR: 17.00% / 19.20% Starting monthly payment: $103.39
 
Auction yield range: 5.99% - 16.00% Estimated loss impact: 5.28%  
Lender servicing fee: 1.00% Estimated return: 10.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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): 8 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:16y 2m
Credit score: 740-759 (May-2010) Total credit lines: 16 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $10,402Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 62%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: KirosPOS Borrower's state: Illinois Borrower's group: LendersClub
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
I am planning to use this loan to pay a high rate CHASE credit card that has a very high interest rate that went into effect in the beggining of this year.? Also, i want to establish a great record in PROSPER.

I am good candidate for this loan as I have paid my bills on time and also have around $1,800 invested in PROSPER already.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457265
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.00% / 38.47% Starting monthly payment: $229.02
 
Auction yield range: 16.99% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1991 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 3 Inquiries last 6m: 4Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 8 / 6Length of status:25y 3m
Credit score: 740-759 (May-2010) Total credit lines: 10 Occupation: Other
Now delinquent: 0 Revolving credit balance: $183Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: worth-spectacle7 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
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 457271
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.99% - 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-1997 Debt/Income ratio: 30%
Basic (1-10): 4 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 7 / 7Length of status:8y 0m
Credit score: 680-699 (May-2010) Total credit lines: 21 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $58,914Stated 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: wise-likeable-penny Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my 401K Loan
Purpose of loan:
This loan will be used to pay off an existing 401K loan.

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 457307
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.99% Starting borrower rate/APR: 8.99% / 11.08% Starting monthly payment: $63.59
 
Auction yield range: 7.99% - 7.99% Estimated loss impact: 6.66%  
Lender servicing fee: 1.00% Estimated return: 1.33%  
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: Jun-2001 Debt/Income ratio: 3%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 4 / 4Length of status:1y 2m
Credit score: 660-679 (Apr-2010) Total credit lines: 5 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $4,082Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 66%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: jpaulnyc Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 1 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
540-559 (Jun-2008)
540-559 (Apr-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
Keeping safety net intact
Two years ago, I was 24 years old and over $15,000 in credit card debt, with no savings or safety net, living a no-holds-barred lifestyle in Manhattan. I moved somewhere much cheaper, set up a strict budget, and started living as economically as possible.

Today, I have an IRA with a balance of over $5,000, another $2,000 cash in savings, $800 invested in Prosper, and my credit card balances have been paid down to $3,500. All of this was accomplished despite my sending over $25,000 net dollars in support to my (unemployed) elderly father in those same two years.

I net between $6,000 and $6,500 every month, depending on the length of the month. I live rent-free with my fiancee, don't have a car, and spend most of my time working. My expenses are things such as food, clothing, entertainment, and utilities. These total under $2,500, leaving >$3,500 per month to apply to these goals.

I'm a lender on Prosper and I understand the pain and frustration that comes along with people not repaying their committed obligations. I wouldn't consider taking this loan if I wasn't 100% willing and able to repay it in full and on time, regardless of any contingencies or circumstances, just like my previous (paid off) Prosper loan.

My savings account has the principal of this loan sitting in it in full, so should there be any problems with payments (unlikely), I can pay the balance off, in full. I am undertaking this primarily as a credit-building exercise, but also to trade some of the remainder of my high-interest (29%) credit debt for this lower rate.

Thank you for your consideration, and happy bidding.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457325
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 21.00% Starting borrower rate/APR: 22.00% / 24.26% Starting monthly payment: $954.76
 
Auction yield range: 16.99% - 21.00% Estimated loss impact: 26.19%  
Lender servicing fee: 1.00% Estimated return: -5.19%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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: 20%
Basic (1-10): 3 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 29 / 27Length of status:24y 9m
Credit score: 660-679 (May-2010) Total credit lines: 39 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $86,267Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 81%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: 3BILLION Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Unsecured Loan
Purpose of loan:
This loan will be used to?provide working capital in business.?

My financial situation:
I am a good candidate for this loan because?I am a?seasoned and experienced executive in business for over 24 years with excellent business credit.?

Monthly net income: $ 87,000
Monthly expenses: $
??Housing: $ 649 Insurance: $ 50.00.
??Car expenses: $ .00?
??Utilities: $250.00
??Phone, cable, internet: $ 65.00 Food, entertainment: $ 200
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 2,000
??Other expenses: $50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457331
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.39% Starting borrower rate/APR: 26.39% / 28.72% Starting monthly payment: $182.24
 
Auction yield range: 10.99% - 25.39% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.76%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2007 Debt/Income ratio: 39%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 6 / 6Length of status:3y 1m
Credit score: 700-719 (May-2010) Total credit lines: 6 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $2,941Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 47%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: first-justice-accelerator 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
I need it for paying off my credit
Purpose of loan:
This loan will be used to paying off my credit cards.
My financial situation: good
I am a good candidate for this loan because?I like to be responsible with my accounts.

Monthly net income:520

Monthly expenses: $

??Utilities: $ 170

??Credit cards and other loans: $ 350

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457343
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 14.13% Starting monthly payment: $132.86
 
Auction yield range: 3.99% - 11.00% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 8.86%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1987 Debt/Income ratio: 11%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:6y 1m
Credit score: 700-719 (Apr-2010) Total credit lines: 29 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $7,321Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: stronghold5 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Payoff Old Debts
Purpose of loan:
This loan will be used to? consolidate and payoff?debt I took over after my father?passed away three years ago.? When he passed, I was a joint holder on a couple of his closed accounts and the banks would not write it them off. I took over responsibilty for them, in lieu of my mother who can't really afford to.? I'd like to consolidate?these old?couple of accounts?so that they are finally out of his name and there is only one payment.

My financial situation:
I am a good candidate for this loan because?I have a great credit history.? My present?debt to income ratio is very good.??I?have a great job?and have?a consistent income.?I thought about consolidating both my debt and my father's (previous loan request), but taking care of his would be a better option.

Monthly net income: $ 5646

Monthly expenses: $ 2150
??Housing: $ 1300
??Insurance: $ 70
??Car expenses: $ 50
??Utilities: $ 100
??Phone, cable, internet: $ 99
??Food, entertainment: $ 200
??Clothing, household expenses $ 10
??Credit cards and other loans: $ 321 (Portion I wish to?payoff with this loan)
??Other expenses: $

Information in the Description is not verified.