Listing Report:Supplement No. 248 dated May 24, 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 330136
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 27.39% Starting borrower rate/APR: 28.39% / 30.74% Starting monthly payment: $623.62
 
Auction yield range: 10.99% - 27.39% Estimated loss impact: 10.68%  
Lender servicing fee: 1.00% Estimated return: 16.71%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-2004 Debt/Income ratio: 45%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 15 / 13Length of status:14y 1m
Credit score: 700-719 (Apr-2010) Total credit lines: 23 Occupation: Truck Driver
Now delinquent: 0 Revolving credit balance: $23,518Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 55%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: troy0868 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
retire at 50
Purpose of loan: pay of credit cards

My financial situation:
I pay what I owe

Monthly net income: $4,000

Monthly expenses:?
??Housing:$1200
? Car expenses:$50
??Utilities:$200
??Phone, cable, internet:$100
??Food :$400
??Clothing, household expenses$50
??Credit cards and other loans:$600
??Investing:$200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 363604
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 3.50% Starting borrower rate/APR: 4.50% / 4.83% Starting monthly payment: $178.48
 
Auction yield range: 2.99% - 3.50% Estimated loss impact: 1.49%  
Lender servicing fee: 1.00% Estimated return: 2.01%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1991 Debt/Income ratio: 22%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 8Length of status:3y 7m
Credit score: 800-819 (May-2010) Total credit lines: 24 Occupation: Other
Now delinquent: 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: jabab 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
Cover my tax payment
Purpose of loan:
To cover my expenses until my corrected tax return refund arrives - 8 to 12 weeks.
I made an error on my original tax return that caused me to over pay my taxes by $6,000.
A corrected return was filed and they said it will take 8-12 weeks to refund my overpayment.

My financial situation:
I am a good candidate for this loan because because I am getting a refund from the IRS that I will use to pay this back and I have stocks and cash savings of more than $14,000 that I can use in the event that I need to pay this loan off before the terms are up.

I have a very high credit score that I work hard to maintain and I work for a Fortune 50 company as a Manufacturing Engineer. My take home pay is more than I need to survive and I only "play" with money that is left over after investing in my 401K, savings, and paying off my monthly bills.

I am not in need of this loan in order to avoid default or because I cant take out of my savings to pay off the debt.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 450262
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 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: Jul-1983 Debt/Income ratio: 22%
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Retired
Enhanced (1-5):2 Current / open credit lines: 4 / 4Length of status:0y 11m
Credit score: 660-679 (May-2010) Total credit lines: 29Stated income:$25,000-$49,999
Now delinquent: 0 Revolving credit balance: $11,394 
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 6    
Screen name: doglover79 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
My loan for home improvement
Purpose of loan is to complete my unfinished bathroom, catch-up monthly payments on my student loan and to pay off three credit card bills in full amounts. This loan will help to regain control of my financial situation and at the same time allow me to pay this loan in a timely manner.

My financial situation: I am a good candidate for the loan because I am a retired teacher with a consistent income stream monthly. Hardship difficulties has taught me to cut spending and prepare more home cook meals daily. Also, it taught me to set up a budget planner spreadsheet indefinitely for the sole purpose of knowing where every penny is going and knowing when to say no and when to say yes and sticking to the budget planner spreadsheet daily.
Monthly expenses for me include lights, gas, water & sewer, cable, car insurance, home phones, cell phones and three credit cards bill. Mortgage and other bills are paid by husband monthly. Total expenses equal 1,204 per month out of my check.

Again, this loan would fit into my monthly budget planner, allow me to regain total control of my monthly finances and allow me to become debt free.?


Monthly net income: $ 1650.67

Monthly expenses: $ 1,204.00 ( Income from my retired check)
??Housing: $ 0 (husband)
??Insurance: $ 77.00
??Car expenses: $ 0(husband)
??Utilities: $ 693.00
??Phone, cable, internet: $ 134.00
??Food, entertainment: $ 0 (husband)
??Clothing, household expenses $ 0 (husband)
??Credit cards and other loans: $ 300.00
??Other expenses: $ 0 (husband)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456342
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $73.31
 
Auction yield range: 7.99% - 18.00% Estimated loss impact: 6.92%  
Lender servicing fee: 1.00% Estimated return: 11.08%  
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: Sep-1995 Debt/Income ratio: 29%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 6Length of status:2y 8m
Credit score: 640-659 (May-2010) Total credit lines: 16 Occupation: Other
Now delinquent: 0 Revolving credit balance: $8,479Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 77%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: enticing-interest2 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
to pay off credit cards
Purpose of loan:
This loan will be used to?pay off credit cards and other debts

My financial situation:
I am a good candidate for this loan because? I am trying to get my debt?paid and put my life on a track to a more successful and secure future. I would love to return to school and finish. I would love?for my wife to be able to pursue?her passions and not be forced to be 'stuck' in her current job. If we could get our debt consolidated, we would stop, take a breath, and allow ourselves the patience to pay it off and get on with our lives. Thank you...

Monthly net income: $ 3500

Monthly expenses: $
??Housing: $871
??Insurance: $145
??Car expenses: $300
??Utilities: $160
??Phone, cable, internet: $240
??Food, entertainment: $350
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 400
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 458116
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 6.2%  
   
 
Starting lender yield: 20.54% Starting borrower rate/APR: 21.54% / 23.80% Starting monthly payment: $569.29
 
Auction yield range: 7.99% - 20.54% Estimated loss impact: 6.68%  
Lender servicing fee: 1.00% Estimated return: 13.86%  
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: Nov-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:0y 9m
Credit score: 800-819 (May-2010) Total credit lines: 16 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $7,988Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 28%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Skitcrew 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
Theatrical Show Startup
Purpose of loan:
This loan will be used to secure costumes, sets, props, royalties, concessions, and other items need to open a Broadway style show.

My financial situation:
I am a good candidate for this loan because we are a one of a kind theatrical production focusing on plays and traditional theater, as opposed to the plethora of country music and variety shows here.? Our proposed business plan shows a profit ending this year with growth over the next three, and into the future.

Monthly net income: $ 15-25K (first year, 15-35K second year)

Monthly expenses: $ 6-14K (first year, 3-20K second year)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 458180
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.07% Starting borrower rate/APR: 20.07% / 23.86% Starting monthly payment: $37.20
 
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: Feb-1996 Debt/Income ratio: 19%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 14 / 8Length of status:3y 1m
Credit score: 640-659 (May-2010) Total credit lines: 43 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,979Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: transaction-explorer Borrower's state: Pennsylvania Borrower's group: Have Money - Will Bid
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
First Prosper Loan - Please Review!
Purpose of loan:
I am aiming for my first fully funded?Prosper loan.?? The?primary purpose is to do the following:

1.? Complete my first successful loan with Prosper and to establish myself as?reliable and trustworthy.?
2.? My interest rate on a credit card recently jumped up to 24%?? I plan on taking part of this money to lower that balance.?? This will reduce my credit card utilization ratio,? any remainder will be paid directly back to prosper.

My financial situation:
I am a good candidate for this loan because I have a stable job and make every attempt to pay my bills on time.?? I am actively attempting to get out of consumer debt all together

Monthly net income: $ 2300

Monthly expenses: $ 1355
??Housing: $ 600
??Insurance: $ 110
??Car expenses: $ 300
??Utilities: $?50
??Phone, cable, internet: $65 ?
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 150
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 458642
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 20.00% Starting borrower rate/APR: 21.00% / 23.25% Starting monthly payment: $226.05
 
Auction yield range: 16.99% - 20.00% Estimated loss impact: 35.63%  
Lender servicing fee: 1.00% Estimated return: -15.63%  
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: Oct-1990 Debt/Income ratio: 19%
Basic (1-10): 1 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 6 / 6Length of status:6y 11m
Credit score: 660-679 (May-2010) Total credit lines: 41 Occupation: Sales - Retail
Now delinquent: 1 Revolving credit balance: $3,482Stated income:$25,000-$49,999
Amount delinquent: $463 Bankcard utilization: 74%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Sydneynsimon Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 33 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
660-679 (Jul-2007)
 
Principal balance: $414.07 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? Pay off my credit cards

My financial situation:
I am a good candidate for this loan because? I keep up on my bills

Monthly net income: $ 3400

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 87
??Car expenses: $ 150
??Utilities: $ 200
??Phone, cable, internet: $ 87
??Food, entertainment: $50
??Clothing, household expenses $ 300
??Credit cards and other loans: $5500
??Other expenses: $n/a
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459418
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: 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: $801.24
 
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: Jun-1984 Debt/Income ratio: 21%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 6Length of status:5y 10m
Credit score: 780-799 (May-2010) Total credit lines: 25 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $4,013Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 21%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: inspired-gain 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
Educational Expenses
Purpose of loan:
This loan will be used to help my daughter continue her?education,?which would?give her advantages in her professional career.? She is a single parent and this would?allow her to be a better provider for her family.? My family's future generations are very important to me.

My financial situation:
I am a good candidate for this loan because I have an excellent work history. I have a record of making payments on time.? I no longer have the responsibility of providing for dependents.? I work for a very good fortune 500 company. In addition to salary, my employer matches up to 4% annually toward my?401K.??I?also have funds in a pension plan,?company stock and life insurance.

I'm in very good health.? I exercise, meditate and have an overall good attitude about life.?

Monthly net income: $ 4,000.00

Monthly expenses: $
??Housing: $ 0.00
??Insurance: $
??Car expenses: $?200.00
??Utilities: $ 210.00
??Phone, cable, internet: $ 70.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 400.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459442
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 27.39% Starting borrower rate/APR: 28.39% / 30.74% Starting monthly payment: $415.75
 
Auction yield range: 10.99% - 27.39% Estimated loss impact: 10.68%  
Lender servicing fee: 1.00% Estimated return: 16.71%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1996 Debt/Income ratio: 118%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 22 / 20Length of status:0y 9m
Credit score: 700-719 (May-2010) Total credit lines: 56 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $20,027Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 56%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: creative-bill9 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
Paying off credit.
Purpose of loan:
This loan will be used to?
Pay off 3 high interest loans.
My financial situation:
I am a good candidate for this loan because?
I have good payment history and my earnings are going up.
Monthly net income: $
$2800.00 based on net income since first of year divided by 5. Varies with commission, base net before commission is $1893.00
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 459460
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1997 Debt/Income ratio: 36%
Basic (1-10): 1 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 7 / 7Length of status:3y 1m
Credit score: 680-699 (May-2010) Total credit lines: 15 Occupation: Retail Management
Now delinquent: 1 Revolving credit balance: $200Stated income:$25,000-$49,999
Amount delinquent: $667 Bankcard utilization: 66%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: pound-director3 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 my old debts to start new
Purpose of loan:
completetly pay off all reported debts on my credit report
My financial situation:

Dont let my monthly expenses fool you!
I am a good candidate for this loan because?
I have been working at the same place same pay for?3 years.
My debts that?I pay a month are already low
and it's true that I have been paying them off slowly and surely yet
once?I pay off all my other debts in one shot and wipe them clean from my credit report
then my total to pay back if its just the one payment is GREAT!
Once I pay off all my debts then my primary goal is to repay this loan!

Monthly net income: $ 2100

Monthly expenses: $
??Housing: $ 650
??Insurance: $ 107
??Car expenses: $ 190
??Utilities: $ 150
??Phone, cable, internet: $ 55
??Food, entertainment: $ 55?(i eat at my restaurant!)
??Clothing, household expenses $?25
??Credit cards and other loans: $ 5500
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459472
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,999.00 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: $134.46
 
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: Jan-2001 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 3Employment status:Not employed
Enhanced (1-5):4 Current / open credit lines: 9 / 8Length of status:1y 8m
Credit score: 640-659 (May-2010) Total credit lines: 14Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $5,495 
Amount delinquent: $0 Bankcard utilization: 59%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: red-point-huckleberry Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
personal loan
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 459482
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: 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: $175.41
 
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-1997 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: 3 / 3Length of status:4y 10m
Credit score: 780-799 (May-2010) Total credit lines: 11 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $13,937Stated 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: dollar-triangulation 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
Purpose of loan:
This loan will be used to pay off a high interest credit card. My financial situation:
I have never missed or been late on a payment in my life and have an excellent credit score. I also own a successful business and own my car (no car loan).Monthly net income: $4500 Monthly expenses: $2165
? Housing: $925
? Insurance: $165
? Car expenses: $50
? Utilities: $75
? Phone, cable, internet: $150
? Food, entertainment: $400
? Clothing, household expenses $100
? Credit cards and other loans: $300
? Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459484
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $271.42
 
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-1998 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: 4 / 4Length of status:1y 4m
Credit score: 640-659 (May-2010) Total credit lines: 11 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $14,857Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 87%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: extraordinary-pound9 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Student Loan
Purpose of loan:


I have been accepted into Brooklyn Law School and need help with paying for upcoming finances.? [Tuition, books, etc. ] I was unemployed for all of 2008 and had to rely on my credit cards to help me with my finances.? Since being back to work, starting early last year, I have been able to fully pay off one out of three of my credit cards. I?m on the right path to paying off the remaining two balances as well as keeping up with my day to day living expenses. During my undergrad, I was able to pay for my tuition out of pocket, but because I was unemployed, most of my savings was depleted and I had to rely on my credit cards.? Since I will not be unable to make payments for law school upfront ? as I was able to with my undergrad - ?I will need to rely on a loan to help with payment and in return, make monthly payments back to prosper lenders.

My financial situation:

I currently earn $50k from my job as an executive assistant

In regards to my financial situation, I have a good size retirement portfolio that has brought me a return as high as 14%.

Monthly net income: $ 3100

Monthly expenses: $
??Housing: $ $1153 rent: It's a two bedroom...I sublet the second room for $650
??Insurance: $
??Car expenses: $
??Utilities: $?electricity $50, Gas $15 a month
??Phone, cable, internet: $ 140 cable/internet,?$40 cell phone
??Food, entertainment: $ 250
??Clothing, household expenses $
??Credit cards and other loans: $ $260 macy's, $190 citicards
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459496
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.90% Starting borrower rate/APR: 19.90% / 23.68% Starting monthly payment: $37.11
 
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: Aug-2004 Debt/Income ratio: 17%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 6Length of status:2y 7m
Credit score: 640-659 (May-2010) Total credit lines: 8 Occupation: Pilot - Private/Com...
Now delinquent: 0 Revolving credit balance: $1,350Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 77%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: awe-inspiring-return2 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 personal loan
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459500
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
 
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: Dec-2004 Debt/Income ratio: Not calculated
Basic (1-10): 4 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: Other
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: 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.
Description
Expand My Existing Online Business
Purpose of loan:
I work at a company that operates an online e-commerce network of websites ranging from photography/cameras products to boating/fishing products. My job is to manage the product merchandise for one of their websites.On the side, I am a web designer and run a small online business where I manage a network of around 100+ niche websites each generating marketing revenue and commission sales adding to my monthly net income. On my off time, I am currently taking classes to further enhance my knowledge and background on web design/development. Web development have been a passion of mine for so long.The purpose of this loan is to establish credit on Prosper and for lenders and I am planning the creation of an additional 100+ websites that will earn additional income. I have years of experience in web design and SEO optimization and I know how to earn an income online.

My financial situation:
I am a great candidate for this loan because I have a well-paying day job as a website merchandiser for a high volume traffic ecommerce website for a reputable tech company. Also, I earn additional revenue from my portfolio of websites.I can easily repay this loan with a possibly of repaying in full before 3 years. I hold much importance in my credit rating and I take my financial obligations very seriously.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459506
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,900.00 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: $406.24
 
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: Mar-1996 Debt/Income ratio: 9%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 5Length of status:5y 6m
Credit score: 700-719 (May-2010) Total credit lines: 30 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $20,746Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: compassion-conga 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
Adopting a baby
Purpose of loan:

This loan will go toward costs to adopt a baby. We have already completed the home study process and have all necessary clearances to adopt. This loan will be repaid once I receive the $13,170 federal Adoption Tax Credit. We have one beautiful 5-year old daughter; our second daughter died at 5 months old of a genetic disorder.My financial situation:I am a good candidate for this loan because I have a?good credit score; a high income; have never paid a bill late; and have ample funds to pay the monthly loan amount. I will receive Adoption Tax Credit as well.
Gross income: $9583
Monthly net income: $6800Expenses:
2224 House (bought for 268,000, owe 227,000, equity of 41,000)
400 Utilities
110 Internet, cell phone
129 Insurance
600 Groceries
200 Car, gas, insurance (car is paid in full)
790 Debt
500 Other living expenses
________________
$4953
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459518
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $289.22
 
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: May-1995 Debt/Income ratio: 17%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 19 / 14Length of status:2y 8m
Credit score: 700-719 (May-2010) Total credit lines: 35 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $36,447Stated income:$100,000+
Amount delinquent: $3,520 Bankcard utilization: 77%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: jchristine76 Borrower's state: Georgia Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 62 ( 98% ) 700-719 (Latest)
Principal borrowed: $10,000.00< 31 days late: 1 ( 2% )  
640-659 (Dec-2007)
660-679 (Nov-2007)
660-679 (Aug-2006)
 
Principal balance: $1,089.49 31+ days late: 0 ( 0% )
Total payments billed: 63  
Description
Time to Update my Condo for Sale
Purpose of loan:
I've been in this condo for almost 3 years, and I need to make improvements in order to sell. I've been told that if I make certain improvements in the cabinets, flooring and other updates, I'll be able to sell my condo for a bit over my outstanding loan in order to move. I'm looking to move for my career, and would like to move on as soon as I can! I have used Prosper in the past, and I am just about to pay off my 2nd loan!? I very much enjoy the premise of Prosper, and appreciate its use for these circumstances. I have a perfect Prosper rating, because I have always made every payment on time on two loans, and I'm about to end my 2nd loan with a perfect record!

My financial situation:
I make a great salary, but it is very hard to get traditional credit in this market. My report does show that I have 1 late payment, which was actually a bank failure in my mortgage payment last month, which has been resolved. I'm just waiting for my note holder to update my credit report. Still, my credit score shows improvement and a very solid score over 700. I recently graduated graduate school (with help from Prosper!) and some of my loans are private and show up as "bankcard" type loans on my Prosper profile. I've consolidated as much as I can, but they tend to show up as individual (by term/semester) and either revolving credit or installment loans as opposed to student loans. Ah the life of Graduate Students!

Monthly net income: $
$5700.00

Monthly expenses: $
??Housing: $ 1400
??Insurance: $ 120
??Car expenses: $ 40
??Utilities: $ 65
??Phone, cable, internet: $ 90
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 500

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459520
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,700.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.39% Starting borrower rate/APR: 26.39% / 28.72% Starting monthly payment: $149.85
 
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: Aug-1988 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: 10 / 8Length of status:7y 11m
Credit score: 680-699 (Apr-2010) Total credit lines: 16 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $11,586Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 80%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: forwardpay 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
Kill These Credit Cards
Purpose of loan:

I will use this loan to pay off a couple of credit cards that are high interest.
I also will raise my credit score by transferring the amount from revolving credit to installment loan.

My financial situation:
I have a computer maintenance business that has been doing well for the last 8 years with over 70 very loyal clients. I have not missed or been late with a single payment in over seven years and I would like to pay off this loan in less than 36 months. I always make more than the minimum payments. The two cards that this payment will replace cost me $150/mo in payments, the same amount this loan will cost, so my net monthly expenses will not change.? I would like to become a Prosper Lender once this loan gets funded.

Monthly net income: $ 3800

Monthly expenses: $ 2770
??Housing: $ 800
??Insurance: $
??Car expenses: $ 250
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 420
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459526
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1973 Debt/Income ratio: 33%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 12 / 10Length of status:1y 6m
Credit score: 740-759 (May-2010) Total credit lines: 20 Occupation: Other
Now delinquent: 2 Revolving credit balance: $18,914Stated income:$25,000-$49,999
Amount delinquent: $103 Bankcard utilization: 86%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: hard-working-peace 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
My loan for debt consolidation
Purpose of loan:
This loan will be used to consolidate lingering credit card debt.? By financing this loan, you will help brighten my family's future.

My financial situation:
I am a good candidate for this loan because? I am a hardworking dad with two great and happy kids.?My wife and?I?have been working in the health care industry for several years and are currently in?steady positions at a?health care provider.? I can promise this loan will be paid in full at the end of the term.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459532
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-1998 Debt/Income ratio: 49%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 9 / 9Length of status:1y 6m
Credit score: 660-679 (May-2010) Total credit lines: 26 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $75Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 4%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: openness-trident 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 debts
Purpose of loan:
This loan will be used to? debt consolidation

My financial situation:
I am a good candidate for this loan because?I?have?strong desire to improve my credit rating, therefore payments will be made prompt and on time.?Which is my reason for consolidating?my payments.?

Monthly net income: $ 4000
Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 130
??Car expenses: $ 260
??Utilities: $?200
??Phone, cable, internet: $?100
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $?500
??Other expenses: $ 200 (gas)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459536
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1993 Debt/Income ratio: 4%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:19y 2m
Credit score: 660-679 (May-2010) Total credit lines: 15 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,830Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 70%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 5    
Screen name: return-disk0 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 listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459544
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $397.60
 
Auction yield range: 16.99% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-2000 Debt/Income ratio: 18%
Basic (1-10): 2 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 5Length of status:9y 3m
Credit score: 780-799 (May-2010) Total credit lines: 23 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $179Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 11%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 5    
Screen name: resolute-kindness9 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 at 29%!!!
Purpose of loan:Pay Off credit card debt at 29%
This loan will be used to end my use of credit cards.

My financial situation: I am working towards a debt free life and currently have a very low debt to income ratio but because of some mistakes in my teenage years my FICA score continues to suffer.
I am a good candidate for this loan because am military with a family. I currently work 2 jobs to continue to pay down debt and this loan would just help me in the next step.

Monthly net income: $ 7100

??Housing: $2074

??Insurance: $57

??Car expenses: $460

??Utilities: $150

??Phone, cable, internet: $140

??Food, entertainment: $500

??Clothing, household expenses $100

??Credit cards and other loans: $400

??Other expenses: $350
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459548
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 12.99% Starting borrower rate/APR: 13.99% / 16.15% Starting monthly payment: $170.86
 
Auction yield range: 5.99% - 12.99% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.77%  
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: Jul-1997 Debt/Income ratio: 29%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 18 / 16Length of status:15y 0m
Credit score: 740-759 (May-2010) Total credit lines: 64 Occupation: Other
Now delinquent: 0 Revolving credit balance: $19,759Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 63%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: delectable-peace 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
payoff some credit cards and loans
Purpose of loan:
This loan will be used to?
to payoff some debts to put into one payment
My financial situation:
I am a good candidate for this loan because? i pay on time,have a good payment history

Monthly net income: $ 2100

Monthly expenses: $
??Housing: $ 1046
??Insurance: $ 190
??Car expenses: $
??Utilities: $ 450
??Phone, cable, internet: $ 125
??Food, entertainment: $ 400
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 532
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459550
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.5%  
   
 
Starting lender yield: 17.19% Starting borrower rate/APR: 18.19% / 20.40% Starting monthly payment: $289.98
 
Auction yield range: 16.99% - 17.19% Estimated loss impact: 35.45%  
Lender servicing fee: 1.00% Estimated return: -18.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1986 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 3 / 1Length of status:24y 4m
Credit score: 720-739 (May-2010) Total credit lines: 14 Occupation: Other
Now delinquent: 1 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $640 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: finance-visionary6 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
Why am i an HR listing? CS is 700+
I do not understand why Prosper considers me a High Risk borrower. I have a credit score well over 700. The only thing on my credit is this $640 account that should have never been on there (the original hospital bill was over 10k which we paid, but someone wasn't paying attention and never billed us for some exam), But alas. Also I am a homeowner I own 2 homes in prescott valley free and clear (which is where my income comes from), i think prosper just said no because i do not have an active mortgage.

Well anyways. My son is graduating from High School and I thought it would be nice to purchase a vehicle for him. Nothing to pricey just something that is good and reliable and can make it through his years in college until he gets a good job and has established himself. He has always done very well in school and I think that this would be a good way to show the significance of this milestone and help him now that he will be on his own.

The reason i am applying through Prosper is because my credit union only finances car's that are less than 5 years old, so a friend of mine told me to try prosper.

My income comes from my 2 rental homes that I own. One of my renters has been in the home for over ten years.

I do not work, however my husband is employed.

Our income:
Total of 3300 - 4000 per month (husband makes about 2 - 3k per month)

Debts:
As you can see I have paid off everything on MY credit. We do still have the following to pay off.
Mortgage: 638 / mo (still owe about 62k)
Car Loan: 243 / mo

Debts above are mainly paid by my husband. I do however also help my other son who is currently finishing college.

Our assets
-Homes
My Rental House 1: worth maybe $90,000 in this economy (paid off)
My Rental House 2: worth maybe $110,000 in this economy (paid off)
His home: worth maybe $120,000 in this economy (this is home that is not paid off and where we live)
-Land
40 acres of land in Snowflake AZ: paid $24,000 three years ago (where we plan to retire to)
1.2 acres of land off of highway 69: purchased over 10 yrs ago, valued about 5 yrs ago at $21,000
-Liquid
Husbands 401k: approx $28,000
Cash Savings: about $12,000
-Vehicles
My 2005 CRV: worth maybe $12,000 (this is the one we are still paying off),
Subaru SVX: dont know value
Pinzgauer: Some 6 wheeled military vehicle, don't know value on it
1991 Honda Hatchback: husband is selling for $1100

I think that is about all the information that I can think of.

Let me know if you have any questions, comments, or concerns,

Thanks,

A loving mother
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459556
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $795.20
 
Auction yield range: 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: Jun-1972 Debt/Income ratio: Not calculated
Basic (1-10): 1 Inquiries last 6m: 4Employment status:Not employed
Enhanced (1-5):2 Current / open credit lines: 14 / 11Length of status:0y 6m
Credit score: 740-759 (May-2010) Total credit lines: 38Stated income:Not employed
Now delinquent: 2 Revolving credit balance: $2,448 
Amount delinquent: $609 Bankcard utilization: 25%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: obedient-power 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
Own/Operate residental care center
Purpose of loan:
This loan will be used to purchase an existing business. The business is a Residential Care Facility for the Elderly..Seniors are provided with total personal care and board and lodge. Giving them the comforts and privileges they would have in their own homes. The families are unable to care for them or live in another state, so the clients need a safe and nurturing environment to live in.

My financial situation:
I am currently a home owner living in Long Beach, CA. The current value of my home 450,000. I am married and my household income is 110,000. All my cars are paid off and my current outstanding bills is 2,500.00 total. My combined expenses are listed above. I have previously owned and
operated a business and bought and sold two homes and I have a? average credit rating.

Monthly net income: $ 6000

Monthly expenses: $ 5000
??Housing: $ 3400
??Insurance: $ 75 ????
??Car expenses: $ 60
??Utilities: $ 80
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 2500
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459558
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 11.25% Starting borrower rate/APR: 12.25% / 14.38% Starting monthly payment: $500.01
 
Auction yield range: 3.99% - 11.25% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 9.11%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-2000 Debt/Income ratio: 44%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 7Length of status:1y 10m
Credit score: 720-739 (May-2010) Total credit lines: 11 Occupation: Police Officer/Corr...
Now delinquent: 0 Revolving credit balance: $43,857Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 46%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: kevnj Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off high interest credit card
Purpose of loan:
This loan will be used to pay off existing credit card debt used in a failed business.

My financial situation:
I am a good candidate for this loan because as shown I have never been late on a payment. Although Im not sure why my score rating on here is listed as a my Equifax rating as of 5/9 is 761 yet it shows me as 720-729 on here.

Monthly net income: $1000 week without overtime for a 40 hour week. Gross $2600-$3500 for a two week pay period with ovetime.



??Car expenses: $503 for car payment and $125 a month for insurance
??Utilities: $ none just moved back home with parents so no housing related bills/costs
??Phone, cable, internet: $100/month
??Food, entertainment: $250/month

??Credit cards and other loans: $44,000 on credit cards, and $16,000 for a car payment.

I raised the interest rate to 12.25 which would be $500 a month for the 36 month loan amount which would save me over $200 a month, alone on my one credit card. I attempted to start my own business and used my personal credit cards to get the business going since I could not find a bank willing to grant a loan. With the banks raising the interest rates, because I did not see the letter that came in the mail that looked like your everyday credit card junk mail it was raise to 29.99% and yet I have never been late on a payment but they raised it to that amount, and it shows listed above that I have never been late on a payment, which a credit score to show for it as well. I'm looking to pay off one credit card so I can save a considerable amount from the interest alone from one to put toward the second one to pay that down faster and get out of debt while having this much lower interest loan and monthly payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459568
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.0%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $86.66
 
Auction yield range: 7.99% - 14.00% Estimated loss impact: 8.31%  
Lender servicing fee: 1.00% Estimated return: 5.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-2000 Debt/Income ratio: 30%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 6Length of status:0y 2m
Credit score: 720-739 (May-2010) Total credit lines: 12 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $1,890Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 10%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: CROSSFIRE7 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: 23 ( 100% ) 720-739 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
640-659 (Feb-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Getting Married
I plan on using this Loan to pay for some Wedding Costs. Since joining prosper a few years ago, I have come a long way, I have worked very hard and things seem to continue too look up. I am marrying the love of my life and can't wait for our wedding day.

My financial situation: I am currently working two jobs. Both part time. I have had no gaps in employment since 2003 and have always held at least one job although I wear many hats. Currently I am a Student Assistant at the University I'm currently attending and a Part time Inside Sales Rep (hourly+commission) for a Professional Soccer team that just moved locations to the University I attend. I work between 30-40hrs a week between both jobs.
I am a good candidate for this loan because as an existing prosper loan user, I've successfully paid a previous loan well in advance and I know what it means to make this system function. I take everything I do seriously and in an attempt to save some money for my Wedding this November, I want to do the smart thing by saving where possible to ensure that I am setting myself up for success on my road to marriage. My fiancee has been ever so supportive in my going to school and working multiple jobs and has always confided in me. I have been attending school and have relied on loans, but currently face a situation where summer courses that will not be paid for. We have done an extaordinary job of communicating and educating ourselves about our finances as we do not want to fall victim to financial "divorce". We are well aware that money can drive people apart and the numbers back it up. So we are taking preventative measures by making smart financial choices and that's why I've come to PROSPER again. I plan to pay this loan off as promised and as fast as possible, with a track record to prove it in my last listing. I thank you for your time and you considering me.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459572
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
 
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: Jan-1978 Debt/Income ratio: 24%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 7 / 7Length of status:3y 9m
Credit score: 620-639 (May-2010) Total credit lines: 21 Occupation: Other
Now delinquent: 4 Revolving credit balance: $2,971Stated income:$25,000-$49,999
Amount delinquent: $501 Bankcard utilization: 58%  
Public records last 12m / 10y: 1/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Yodabab Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,499.00< 31 days late: 0 ( 0% )  
540-559 (Sep-2008)
540-559 (Aug-2008)
 
Principal balance: $898.00 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
Paying off and consolidating Loans
Purpose of loan:
This loan will be used to?
payoff small?loans that have very high interest, just trying to get these paid, it was a mistake to get these loans, but I have never not paid them on time.? The 4 delinguent accts are from my divorce that my ex- had in his name and mine, I have contacted the bureau they are small accts that he is suppose to take care of per our agreement.

My financial situation:
I am a good candidate for this loan because? I currently have a loan wtih prosper that has been paid on time and my credit has improved by 80 points, I continually strive to improve and pay off higner int rate loans.? I am currently?paying more that what my payment would be if approved and I will make sure I pay?it off as soon as possible

Monthly net income: $ 2,650

Monthly expenses: $
??Housing: $?700????????
??Insurance: $?90
??Car expenses: $ 100
??Utilities: $ 130
??Phone, cable, internet: $?110
??Food, entertainment: $ 450
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459574
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $903.81
 
Auction yield range: 16.99% - 17.00% Estimated loss impact: 25.94%  
Lender servicing fee: 1.00% Estimated return: -8.94%  
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: Feb-1997 Debt/Income ratio: 12%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 2 / 1Length of status:13y 9m
Credit score: 660-679 (May-2010) Total credit lines: 8 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 12    
Screen name: CADETTO 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
Saving a friend from repo...
Purpose of loan:
This loan will be used to purchase a vehicle (X5) which my friend is about to loose due to unemployment.
I may have made some stupid decisions in the past.? However, my acts together now.

My financial situation:
I am a good candidate for this loan because I can repay it without any problem!

Monthly net income: $
7398
Monthly expenses: $
??Housing: $ 1450.00
??Insurance: $?34.00
??Car expenses: $ 0
??Utilities: $?102
??Phone, cable, internet:?121.67?
??Food, entertainment: $ 500
??Clothing, household expenses $?65.00
??Credit cards and other loans: $3500.00?
??Other expenses: $ 150.00?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459578
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 15.99% Starting borrower rate/APR: 16.99% / 19.19% Starting monthly payment: $356.48
 
Auction yield range: 10.99% - 15.99% Estimated loss impact: 10.37%  
Lender servicing fee: 1.00% Estimated return: 5.62%  
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: Apr-1985 Debt/Income ratio: 32%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 15 / 11Length of status:1y 7m
Credit score: 720-739 (May-2010) Total credit lines: 47 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $54,056Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 71%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: logical-note4 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
Ready To Get OFF the CC Treadmill
Purpose of loan:
This loan will be used to?
Pay down current credit card lines.
My financial situation:
I am a good candidate for this loan because? I have learned from my mistakes?that?I made in my?20's and?now I am trying to get off the credit card treadmill. I have no delinquent lines or amounts. I pay my accounts. I am looking to pay less and to a fixed term.

Monthly net income: $
3600
Monthly expenses: $
??Housing: $ 700
??Insurance: $?90
??Car expenses: $ 0
??Utilities: $ 50
??Phone, cable, internet: $ 140
??Food, entertainment: $?250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1650
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459590
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 16.99% Starting borrower rate/APR: 17.99% / 20.20% Starting monthly payment: $307.25
 
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: Mar-1979 Debt/Income ratio: 22%
Basic (1-10): 5 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 35 / 31Length of status:29y 3m
Credit score: 640-659 (May-2010) Total credit lines: 69 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $157,409Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: currency-champion5 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
Credit Card Debt Consolidation
Purpose of loan:
I am interested in this loan to consolidate and pay down credit card debt over the next 24 months.
My financial situation:
In less than 2 years I plan to retire from my government job, and my income should roughly double.? As a private sector consultant, my salary will be substantially higher than my current salary. ?My retirement check will be approximately 60% of my current salary ($152,635).? You will also notice that my listing reflects $157,409 in revolving debt.? ?This includes $112,500 in the form of a Home Equity Line of Credit (HELOC) that I used for home repairs/remodeling and to pay for an expensive private school college education for my daughter. This account was frozen in 2008 by the lender and had more to do with their financial position than mine. Homes today are currently selling for just about the amount of my mortgage and my HELOC combined so I should be in good shape when I plan to sell it in about 5 years.

Monthly net income: $ 12,794

Monthly expenses: $
??Housing: $ 3500
??Insurance: $ 400
??Car expenses: $ 540
??Utilities: $ 280
??Phone, cable, internet: $ 375
??Food, entertainment: $ 1100
??Credit cards and other loans: $?1500
??Other expenses: $ 4400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459592
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,100.00 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: $125.55
 
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: Aug-2005 Debt/Income ratio: 28%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 4 / 4Length of status:1y 3m
Credit score: 720-739 (May-2010) Total credit lines: 8 Occupation: Skilled Labor
Now delinquent: 1 Revolving credit balance: $1,513Stated income:$1-$24,999
Amount delinquent: $619 Bankcard utilization: 18%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: green-truth-orb 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 some bills
Purpose of loan: To pay off my credit card and a personal loan. It has been a dream of mine to own my own home. I have the opportunity to purchase a 2 family house I currently reside in. The other tenant has lived there for 13 years and plans to stay indefinitely. The owner of the house is a family friend and is selling the house below market value, if I am able to buy the house I would have a little equity . The reason the owner? is selling? the house for less is because she does not have to use a realtor? and we would share the same lawyer. I currently pay rent of $400 a month. If I purchase the house the? upstairs tenant's rent of $500 would cover most of the morgtage, I would have to pay $68 . The mortgage would be $568 (includes the taxes, insurance and loan).?? I am good at fixing most things around the house and would be able to maintain the house and keep the tenant safe and happy.


My financial situation:
I am a good candidate for this loan because?I'm? responsible, loyal? and hardworking, I worked at one company for 18 years until I was downsized. I then worked for the next company for five years and recently changed to a new company because of the better benefits and for the opportunity to be? promoted. This new employer? has been in business for over 25 years so I feel my job is secure. I'm a divorced father of 2 and I always worked a second job to cover all their expenses. My children are now grown. As a skilled laborer in the maintenance field for over 25 years, I have always been proud of my work.



I see that prosper is showing a delinquency? on my profile ,I'm unaware of what that is I will be looking into it and I will fix or if it turns out to be an error I will get it removed





Monthly net income: $ 1600.00

Monthly expenses: $
??Housing: $ 400.00
??Insurance: $ 50.00
??Car expenses: $ 200.00
??Utilities: $ 125.00
??Phone, cable, internet: $ 60.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 100.00
??Other expenses: $ 100.00



If I get the loan from prosper I would? payoff my debts and then buy the 2 family home my expenses would change :
?housing would decrease to $ 68.00 /month
prosper loan $125.00 ( $25 more than I pay on my current debts that I'm trying to pay off)
I would have over $200 a month to put in savings
other expenses unchanged? Thanks
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459602
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1988 Debt/Income ratio: 35%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 9Length of status:20y 4m
Credit score: 820-839 (May-2010) Total credit lines: 25 Occupation: Other
Now delinquent: 0 Revolving credit balance: $12,861Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 15%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: listing-kayak 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
Credit card debt consolidation
Purpose of loan:
This loan will be used to consolidate higher interest credit card debt, in order to be debt free in a reasonable amount of time.?

My financial situation:
I am a good candidate for this loan because I have stable employment and good credit. I have never defaulted on any loan, and have always paid my bills in a timely manner.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459604
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1993 Debt/Income ratio: 11%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 10Length of status:2y 9m
Credit score: 760-779 (May-2010) Total credit lines: 32 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $68,753Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 86%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: uncletupelo Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 760-779 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
700-719 (Dec-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459606
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $994.00
 
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: Nov-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 7Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 11 / 10Length of status:3y 11m
Credit score: 640-659 (Apr-2010) Total credit lines: 22 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $14,483Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 38%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: voyage8 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
Fusion Asian Restaurant
Purpose of loan:
This loan will be used for my family's four yrs old small restaurant. To replace dining chairs, tables, install TV, molecular gastronomy equipments, color changing lights, tap beer, hire more staff and will be used as a working capital.

My financial situation: Truth is Yes my restaurant is doing just enough to survive But just enough to survive. I need out-source funding in order to upgrade decor, and menu to provide my customers better environment without the price of Beverly Hills. I really want to add that my credit score is 710 (trans union) but here it came out to be 640+. My revolving Balance is $5,355 and the inquiries should be 3 in last 6 month period. I know this because I just leased a new car to reduce my monthly payments.
I am currently trying to figure out the difference with credit reporting companies. I make sure I pay back what I owe to others who tried to help me. What I want to say is that I will not make a deal which I can not handle and this is why? set my payback % under 30% inorder to keep my payments under $1,000 as well.
Please ask me anything and I will tell you all about our restaurant as a chef and owner. Thank you.

Update: I found out that there are two accounts (NOT MINE) on Experian
??????????? One from State Farm Financial with balance $7500 and the other from Best Buy(I am Fry's customer) with 30days past due back in 2006.
??????????? I started this restaurant back in 2006 and I had no time to shop at Best buy nor anywhere ells since I work 7days from 10am to 12am.
??????????? Most of a small restaurant owners work like this and you can trust my side of the story.
??????????? I made a report to Experian and trying to fix this.




Monthly net income: $8000

Monthly expenses: $3070
??Housing: $1300
??Insurance: $150
??Car expenses: $500
??Utilities: $150
??Phone, cable, internet: $70
??Food, entertainment: $200
??Clothing, household expenses $200
??Credit cards and other loans: $300
??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459608
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 13.99% Starting borrower rate/APR: 14.99% / 17.16% Starting monthly payment: $173.30
 
Auction yield range: 13.99% - 13.99% Estimated loss impact: 14.60%  
Lender servicing fee: 1.00% Estimated return: -0.61%  
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: Jun-1993 Debt/Income ratio: 45%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 8Length of status:1y 11m
Credit score: 660-679 (May-2010) Total credit lines: 55 Occupation: Other
Now delinquent: 0 Revolving credit balance: $12,484Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: hope-sergeant8 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
Start a new small business
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459610
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 19.07% Starting borrower rate/APR: 20.07% / 22.56% Starting monthly payment: $55.80
 
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: Dec-1995 Debt/Income ratio: 35%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 9 / 8Length of status:2y 4m
Credit score: 640-659 (May-2010) Total credit lines: 23 Occupation: Other
Now delinquent: 0 Revolving credit balance: $46,092Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: red-logical-credit 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
Reese's TPLO Surgery
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 459612
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $159.04
 
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: Mar-2005 Debt/Income ratio: 36%
Basic (1-10): 2 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 8 / 5Length of status:1y 6m
Credit score: 640-659 (May-2010) Total credit lines: 16 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $328Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 3%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: listing-arrow 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
Delayed Honeymoon
When my wife and I got married, I wasn't able to give her the honeymoon that I really felt she deserved. Being in the military puts quite a bit of stress on our marriage and she has been amazing through it all. My main goal is to do something special for her and surprise her with a couples vacation . Getting a break from the kids, jobs, and just everyday life would go a long way for us.


I truly feel I am a great candidate for this loan because we have a combined low debt to income. We monitor our expenditures carefully and I would greatly benefit from an installment account tradeline on my report, as I have few accounts. Between both myself and my wife our income is around 90K

Our monthly expenses include

? Insurance: $ 185
? Car expenses: $ 311
? Utilities: $ Between 75-125
? Phone, cable, internet: $ 185
? Food, entertainment: $ 150
? Clothing, household expenses $200, but varies
? Credit cards and other loans: $ 200

Thanks for giving me a chance! Also, feel free to shoot me any questions that you may have.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459616
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 12.00% Starting borrower rate/APR: 13.00% / 15.14% Starting monthly payment: $101.08
 
Auction yield range: 10.99% - 12.00% Estimated loss impact: 10.26%  
Lender servicing fee: 1.00% Estimated return: 1.74%  
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-1995 Debt/Income ratio: 24%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 9Length of status:0y 2m
Credit score: 720-739 (May-2010) Total credit lines: 50 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $10,830Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: wise-transaction-marsupial 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
Landscaping
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 459624
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-1988 Debt/Income ratio: 28%
Basic (1-10): 1 Inquiries last 6m: 7Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 9 / 9Length of status:4y 7m
Credit score: 640-659 (May-2010) Total credit lines: 42 Occupation: Clerical
Now delinquent: 3 Revolving credit balance: $4,413Stated income:$25,000-$49,999
Amount delinquent: $4,394 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 30    
Screen name: reward-launcher4 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying 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 repay my loans

Monthly net income: $ 3300.00

Monthly expenses: $
??Housing: $ 545.00
??Insurance: $
??Car expenses: $ 535.00
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459626
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,300.00 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: $340.59
 
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-1984 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:0y 4m
Credit score: 720-739 (May-2010) Total credit lines: 29 Occupation: Car Dealer
Now delinquent: 0 Revolving credit balance: $24,208Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 80%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: blue-encouraging-loot Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Getting Started
Purpose of loan:
This loan will be used to?
support my family
My financial situation:
I am a good candidate for this loan because?
I'm finaincially stable for this loan
Monthly net income: $
3500-4500
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 459628
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1992 Debt/Income ratio: 5%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 1Length of status:2y 1m
Credit score: 780-799 (May-2010) Total credit lines: 7 Occupation: Other
Now delinquent: 0 Revolving credit balance: $155Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 7%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: credit-sanctuary4 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
My personal loan
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459632
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 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-1998 Debt/Income ratio: 21%
Basic (1-10): 4 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 9 / 8Length of status:12y 9m
Credit score: 660-679 (May-2010) Total credit lines: 28 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,471Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 49%  
Public records last 12m / 10y: 0/ 2 Homeownership: No  
Delinquencies in last 7y: 14    
Screen name: virtuous-community2 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?
Pay off some credit card debt that was a little un-expected, I unfortunately, had a washer and dryer issue. I will also use this money to pay off?medical expenses?that were not covered by my health insurance. I would also like to start a saving account
My financial situation:
I am a good candidate for this loan because?
I work very hard,?50 hours a week. This will become my 1 and only priority, to pay this debt off and to pay this off early. I have had some medical issues in the past, that have re-occurred again, and I am finally healthy!!? My goal is to use this money, to pay off all my debt, and to be debt free!!!???
Monthly net income: $
2000.00
Monthly expenses: $
??Housing: $ 300
??Insurance: $ 90????
??Car expenses: $ 389
??Utilities: $
??Phone, cable, internet: $ 180
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $ 225
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459636
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $16,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 32.58% Starting borrower rate/APR: 33.58% / 36.01% Starting monthly payment: $733.19
 
Auction yield range: 10.99% - 32.58% Estimated loss impact: 10.83%  
Lender servicing fee: 1.00% Estimated return: 21.75%  
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: Aug-1991 Debt/Income ratio: 26%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:11y 1m
Credit score: 740-759 (Apr-2010) Total credit lines: 28 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $42,413Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 50%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: yougotit6 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: 0 / 2 On-time: 7 ( 100% ) 740-759 (Latest)
Principal borrowed: $30,000.00< 31 days late: 0 ( 0% )  
720-739 (Apr-2008)
720-739 (Mar-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
My personal loan
Purpose of loan:
This loan will be used to for paying off some medical bills that have been unexpected.?

My financial situation:
I am a good candidate for this loan because I am a good bank person and I have never defautled on anything.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459652
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.25% Starting borrower rate/APR: 26.25% / 30.18% Starting monthly payment: $40.42
 
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: Aug-1987 Debt/Income ratio: 21%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 10Length of status:5y 4m
Credit score: 720-739 (May-2010) Total credit lines: 17 Occupation: Social Worker
Now delinquent: 0 Revolving credit balance: $461Stated 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: authentic-openness6 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 listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459656
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $322.67
 
Auction yield range: 7.99% - 9.00% Estimated loss impact: 8.18%  
Lender servicing fee: 1.00% Estimated return: 0.82%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2005 Debt/Income ratio: 23%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:0y 6m
Credit score: 700-719 (May-2010) Total credit lines: 7 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $8,655Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 40%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: integrity-scout4 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?
To pay of my high interest ?

My financial situation:
I am a good candidate for this loan because I currently have no bills?except my credit cars and my phone. I do not pay rent, I manage a resort in the Florida Keys and live on the property for free.?????

Monthly net income: $ 2000

Monthly expenses: $
??Housing: $ 0.00????
??Insurance: $ 30
??Car expenses: $ 70.
??Utilities: $ 0.00
??Phone, cable, internet: $ 190.83
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 400.00????????
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459660
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 33.29% Starting borrower rate/APR: 34.29% / 37.71% Starting monthly payment: $53.80
 
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: Apr-2007 Debt/Income ratio: 90%
Basic (1-10): 6 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)
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 459662
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 10.99% Starting borrower rate/APR: 11.99% / 14.12% Starting monthly payment: $232.47
 
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: Nov-1992 Debt/Income ratio: 24%
Basic (1-10): 7 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 23 / 23Length of status:9y 6m
Credit score: 720-739 (May-2010) Total credit lines: 35 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $4,969Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 16%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: benefit-serenity4 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
Home / Bike
Purpose of loan:
To pay off bills and fix up car

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

Monthly net income: $

Monthly expenses: $
??Housing: $ 400
??Insurance: $ 75
??Car expenses: $ 370
??Utilities: $ 50
??Phone, cable, internet: $ 120
??Food, entertainment: $?200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459668
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,400.00 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: $172.22
 
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: Jun-1992 Debt/Income ratio: 26%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 10Length of status:3y 2m
Credit score: 740-759 (May-2010) Total credit lines: 36 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $14,508Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 42%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: finance-conga 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
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459672
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 20.54% Starting borrower rate/APR: 21.54% / 23.80% Starting monthly payment: $759.06
 
Auction yield range: 7.99% - 20.54% Estimated loss impact: 6.68%  
Lender servicing fee: 1.00% Estimated return: 13.86%  
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: May-1995 Debt/Income ratio: Not calculated
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:10y 4m
Credit score: 800-819 (May-2010) Total credit lines: 9 Occupation: Truck Driver
Now delinquent: 0 Revolving credit balance: $2,218Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 21%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: new-industrious-money 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
Family (Great Business Opportunity)
Purpose of loan: I posted a listing here before but after reading how to list a successful listing I decided to do it again.

We found a great business opportunity in the heart of Brooklyn (Deli Store) front of extremly heavy foot traffic with a major subway line (86 Street and Bay Parkway)
The current business owner is absent and willing to give his business away for $17,000 with the 8 years left on the lease plus 5 optional renewal
(only deli)
We are looking to transform the store from A to Z and add Fried Chicken, Fresh Salads and Fresh cold cuts along with serving heavy foot traffic customers BREAKFAST. the current owner is already makes about $500 in 10 hours and here is our projection:
1- Open 24 hours since we have a heavy traffic residential and 24 hours two major buss stops PLUS the Subway (86 and bay parkway) along with a police station only 1 block away
2- Home Delivery
3- $1300 from 6:00 Am Till 8:00 PM
4- $500 after 8 till 6 Am
This is going to be just the beginning. this is a $30,000-$45,000 per month store
5- Owner operator (Me, my sister and my father) Plus 2 delivery guys since day one
*** WE OWNED FEW IN THE PAST AND SOLD THEM SUCCESSFULLY BEFORE THE MARKET CRASH AND WE THINK IT IS A GREAT TIME TO GET BACK*** We have over 20 years of experience running a great business from ground up and this one is a killer one.
The return will be huge. I don't want to take a HELOC on my house UNLESS I REALLY HAVE TO. we have some cash for renovation and just need some extra to get us going.
PLEASE FEEL FREE TO ASK ME ANY QUESTIONS.

My financial situation:
I am a good candidate for this loan because I do have a good history and always pay my bills on time. I have almost no debts.
My and my father own a 2 Family house in Brooklyn which is about 10 minutes away from the store.
Worth $650,000 and with balance of ONLY $45,000

Monthly net income: $ Not less than $6000-7000 Cash (Personal checks) Chinese people always work with cash. I'm sorry but it is the truth


 
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459674
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 11.50% Starting borrower rate/APR: 12.50% / 12.85% Starting monthly payment: $334.54
 
Auction yield range: 2.99% - 11.50% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 9.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1991 Debt/Income ratio: 17%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:3y 8m
Credit score: 800-819 (May-2010) Total credit lines: 16 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $28Stated 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: sensor3 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
Backyard Landscaping
Purpose of loan:
My wife and I recently purchased a foreclosed home. The home is in fantastic condition, however the backyard is just dirt and needs to be landscaped. We have a large view lot and the landscaping would increase the value of the home.

My financial situation:
I am a good candidate for this loan because I have excellent credit and have never missed a payment or not paid back a loan. I am currently employed with a stable company and have been consistently employed in retail management for the past 18 years. My wife also works full time as a customer service manager at a mutual fund company where she has been for the past 9 years.

My wife and I?each make $60k yearly or a combined total of $120k+

The only monthly payments we have are:
Home mortgage with taxes &?home ins $1350
Car $425 (Our second car is paid in full)
Car Ins $150
Utilities approx $350 mo.
Our credit cards are used rarely and paid off monthly (usually for reimbursable business expenses).
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459676
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.20% Starting borrower rate/APR: 10.20% / 12.31% Starting monthly payment: $323.61
 
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-1988 Debt/Income ratio: 21%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:5y 2m
Credit score: 760-779 (May-2010) Total credit lines: 19 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $11,927Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 36%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: kip2003 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: 1 / 1 On-time: 25 ( 100% ) 760-779 (Latest)
Principal borrowed: $8,500.00< 31 days late: 0 ( 0% )  
760-779 (Mar-2008)
 
Principal balance: $2,802.73 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459680
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.25% Starting borrower rate/APR: 26.25% / 28.57% Starting monthly payment: $101.06
 
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: Oct-1999 Debt/Income ratio: 25%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 8Length of status:4y 10m
Credit score: 680-699 (May-2010) Total credit lines: 26 Occupation: Other
Now delinquent: 1 Revolving credit balance: $15,313Stated income:$25,000-$49,999
Amount delinquent: $905 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: cash-encore 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
My loan for home improvement
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459684
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $21,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 27.39% Starting borrower rate/APR: 28.39% / 30.74% Starting monthly payment: $873.07
 
Auction yield range: 10.99% - 27.39% Estimated loss impact: 10.68%  
Lender servicing fee: 1.00% Estimated return: 16.71%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1982 Debt/Income ratio: 46%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 21 / 21Length of status:2y 2m
Credit score: 720-739 (May-2010) Total credit lines: 77 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $25,009Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 54%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: green-greenback-orchid 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
Unsecured Debt Pay Off
Purpose of loan:
This loan will be used to consolidate unsecured debt.

My financial situation:
I am a good candidate for this loan because?
I pay on time every month. I want to pay off my debt. I currently only pay cash and have not used my cards in the last 6 months. I want to be debt free. I want to consolidate to lower the overall interest rate I pay, therefore, enabling myself to pay off my bills in a short amount of time.

Monthly net income: $
$3374.00
Monthly expenses: $
??Housing: $ 500.00
??Insurance: $ 146.20
??Car expenses: $ 498.44
??Utilities: $ 150.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 974.00
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459686
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 21.50% Starting borrower rate/APR: 22.50% / 24.77% Starting monthly payment: $307.60
 
Auction yield range: 16.99% - 21.50% Estimated loss impact: 19.22%  
Lender servicing fee: 1.00% Estimated return: 2.28%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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: 40%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 14 / 12Length of status:1y 0m
Credit score: 640-659 (May-2010) Total credit lines: 22 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $17,712Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 47%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: indomitable-benefit7 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 Expenses
Purpose of loan:
This loan will be used for wedding expenses. The DJ and photographer are already paid for. Just need to pay for the venue and the minister.

My financial situation:
I just finished grad school and started a new job. My future spouse is a hard and dependable worker. And my big Italian family will likely lay down some cash on my wedding day. The only debt I have is for this wedding and for school. I am very good with my finances.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459690
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-2002 Debt/Income ratio: 7%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 3 / 3Length of status:11y 9m
Credit score: 720-739 (May-2010) Total credit lines: 10 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,027Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 58%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: liberty-perfume2 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
My personal loan
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459698
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1989 Debt/Income ratio: 13%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 5Length of status:24y 6m
Credit score: 720-739 (May-2010) Total credit lines: 42 Occupation: Police Officer/Corr...
Now delinquent: 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: the-dignified-euro 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
My loan for home improvement
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459704
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $18,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $650.74
 
Auction yield range: 16.99% - 17.00% Estimated loss impact: 35.44%  
Lender servicing fee: 1.00% Estimated return: -18.44%  
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: Jun-1984 Debt/Income ratio: Not calculated
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 16 / 14Length of status:5y 4m
Credit score: 700-719 (May-2010) Total credit lines: 33 Occupation: Skilled Labor
Now delinquent: 1 Revolving credit balance: $2,004Stated income:$25,000-$49,999
Amount delinquent: $90 Bankcard utilization: 32%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Lupe1610 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off bills
Purpose of loan:
This loan will be used to? Pay off my bills

My financial situation:
I am a good candidate for this loan because? I will pay off quickly in the begining of the new year. I will be recieving a settlement from accident.

Monthly net income: $

Monthly expenses: $ I have no current housing expenses because I live with my daughter.
??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 459710
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
 
Auction yield range: 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-1991 Debt/Income ratio: 19%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 7Length of status:17y 9m
Credit score: 720-739 (Apr-2010) Total credit lines: 53 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $16Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Larraybee Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 12 ( 100% ) 720-739 (Latest)
Principal borrowed: $2,300.00< 31 days late: 0 ( 0% )  
700-719 (Mar-2010)
700-719 (Feb-2010)
640-659 (Apr-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Vacation
Purpose of loan:


I want this loan to pay?for a?special vacation for my son who autistic??

expenses: $
??Housing: $ 871.00
??Insurance: $ 150.00
??Car expenses: $ 200.
??Utilities: $ 140
??Phone, cable, internet: $ 89
??Food, entertainment: $ 150
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 659.00
??Other expenses: $ o

Monthly net income: $ 3833.00

Monthly expenses: $
??Housing: $ 871.00
??Insurance: $ 150.00
??Car expenses: $ 200.
??Utilities: $ 140
??Phone, cable, internet: $ 89
??Food, entertainment: $ 150
??Clothing, household expenses $ 75
??Credit cards and other loans: $?659.00
??Other expenses: $ o
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459712
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $723.05
 
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: Nov-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 12 / 12Length of status:3y 6m
Credit score: 760-779 (May-2010) Total credit lines: 25 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $20,678Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 64%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: studious-economy5 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
BK 9 years ago, good credit now
Purpose of loan:
Pay off credit card debt

My financial situation:
I filed BK in 2002 due to major medical illness. Rebuilt credit and maintained good history since then.? In June 2009 was laid off contract at Boeing so started working on my own business full-time.? Business is doing better now but had to live off credit cards for a while and balances are high now and would like to pay off completely at lower rate.

I own my own home which I am leasing out to tenants at negative cash flow.

Monthly net income: $
7000

Monthly expenses: $
??Housing: $? 1300
??Insurance: $ 127
??Car expenses: $ 637
??Utilities: $ 50
??Phone, cable, internet: $ 150
??Food, entertainment: $ 600
??Clothing, household expenses $ 100
??Credit cards and other loans: $?700
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459714
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $19,000.00 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: $686.80
 
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: Dec-1996 Debt/Income ratio: 57%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 11Length of status:7y 11m
Credit score: 720-739 (May-2010) Total credit lines: 32 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $19,896Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 41%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: proper-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
Lease is ending, buying family size
Purpose of loan:
This loan will be used to purchase a larger car for my family. We have a 2007 Nissan Versa SL for which the lease is expiring very soon. We had our first child in April and need a slightly larger vehicle now.

My financial situation:
I am a good candidate for this loan because I have had stable employment for over 7 years now after graduating from Brigham Young University. My husband has been a full-time student until this past month. He recently discovered the great demand for Internet business consultants by real estate brokerages and top real estate teams after accepting a part-time job with a large real estate brokerage in December of last year. Shortly after he began working there he found himself consistently bombarded by real estate agents in need of his expertise. He left the brokerage and now works as an independent consultant. His hourly rate rapidly climbed from $30 to the $70-$100 range within the past two months. He is also accumulating additional residual income through web service subscriptions. Now that school has ended he will begin taking on more clients and working full-time. Our income is expected to increase to $100,000-$120,000 annually by this time next year and we are excited to begin aggressively paying down our existing revolving debt. We are a safe and solid investment.

We thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459716
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
 
Auction yield range: 13.99% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1983 Debt/Income ratio: 25%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 15 / 15Length of status:33y 0m
Credit score: 620-639 (May-2010) Total credit lines: 32 Occupation: Civil Service
Now delinquent: 7 Revolving credit balance: $9,727Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: cubfan56 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 59 ( 100% ) 620-639 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
600-619 (Apr-2008)
620-639 (Feb-2007)
 
Principal balance: $1,711.55 31+ days late: 0 ( 0% )
Total payments billed: 59  
Description
return to college
Listing:

?I am 53 years old and I have a 17 year old son.? I have worked at the University of Wisconsin - Madison for nearly 33 years. My current position is a Financial Specialist in the Dept of Economics.?

What this loan is for:

This loan would be to pay for my return to college in the summer of 2010.??
My credit rating:

I would like to improve my credit score by paying off any potential loan I obtain in a timely fashion.

My prosper record of payments is perfect.

My total annual income

Calculation of Income : 26 annual pay periods Gross pay of $1700.00 x 26 periods = $44,806.00.
Additional income:??????? 26 annual pay periods: Gross pay of $400.00 x 26 = $10,400.00?

Expenses :

? Rent $ 425.00 (includes heating costs)

? Child support $560.00 monthly.

? Auto loan of $165.00 monthly (completed in Dec 2010)

? Prosper loan of $166.00 (completed in May 2010)

? Current credit card bills: Outstanding balance of $8,230. with minimum monthly payments
? of $200.00.

? Phone 40.00 monthly

? Electric bill $30.00 monthly.

? Health insurance and medicines $45.00 monthly.

? Food $200.00 monthly

? Gasoline? $80.00 monthly

? Auto / renters insurance $55.00 monthly.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459722
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 27.39% Starting borrower rate/APR: 28.39% / 30.74% Starting monthly payment: $415.75
 
Auction yield range: 10.99% - 27.39% Estimated loss impact: 10.68%  
Lender servicing fee: 1.00% Estimated return: 16.71%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1994 Debt/Income ratio: 37%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 9 / 7Length of status:16y 3m
Credit score: 720-739 (May-2010) Total credit lines: 36 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $62,315Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 77%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: msflorida25 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 12 ( 92% ) 720-739 (Latest)
Principal borrowed: $10,000.00< 31 days late: 1 ( 8% )  
760-779 (Jul-2008)
760-779 (May-2008)
760-779 (Apr-2008)
760-779 (Mar-2008)
 
Principal balance: $0.18 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
My personal loan
Purpose of loan:
I intend to use this loan to pay off a debt that I had left over from when I deployed to Afghanistan last year. I was able to pay off everything else for my home improvement accept this particular debt.

My financial situation:
I always pay my bills on time and do not have bad credit. I think it is very important to be in good standing with your credit.

Monthly net income: $
$6,000
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 250
??Car expenses: $ 400
??Utilities: $ 250
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459724
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-2006 Debt/Income ratio: 34%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 2 / 2Length of status:3y 9m
Credit score: 680-699 (May-2010) Total credit lines: 15 Occupation: Student - College S...
Now delinquent: 0 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: momentous-reward6 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay for last year of nursing school
Purpose of loan:
This loan will be used to help me pay for my last two semesters of nursing school as my parents will not cosign any loans.

My financial situation:
I am a good candidate for this loan because I am responsible with money have worked at least 20 hrs/week throughout my schooling.

Monthly net income: $ 800

Monthly expenses: $ 165
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 30
??Utilities: $ 0
??Phone, cable, internet: $ 85
??Food, entertainment: $ 30
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459726
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-2005 Debt/Income ratio: 115%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:0y 2m
Credit score: 680-699 (May-2010) Total credit lines: 6 Occupation: Laborer
Now delinquent: 0 Revolving credit balance: $9,682Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: needa_break 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 for short graduate program
Purpose of loan:
This loan will be used to pay for a professional certification program offered at Columbia University in New York. Its only for the summer and helps with career development.

My financial situation:
I am a good candidate for this loan because I try to keep constant employment even without being able to find reliable full-time employment. I even had a part-time job as a full-time undergraduate student in the past. I have financially stable parents and family that can help me willingly with bills. I rarely have late payments on any of my bills. I will also acquire part my mother's 457k through her retirement plan in March 2011 to be able to pay the amount back in full.

Monthly net income: $ 500-600

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ +/-100
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ +/-100
??Clothing, household expenses $ +/- 100
??Credit cards and other loans: $ 300
??Other expenses: $ +/100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459728
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-2000 Debt/Income ratio: 250%
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 4Length of status:0y 8m
Credit score: 700-719 (May-2010) Total credit lines: 30 Occupation: Sales - Commission
Now delinquent: 1 Revolving credit balance: $4,262Stated income:$1-$24,999
Amount delinquent: $55 Bankcard utilization: 53%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: commitment-supernova 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
Getting my family back on it's feet
Purpose of loan:
This loan will be used to pay of most if not all of our debt. My husband lost his job back in October of '09 and we had to use various forms of credit cards to pay bills and such. Since then he has found a new job and we are looking to consolidate all that debt to help us get back on track.

My financial situation:
We have had our troubled time and know that we need to get back to a good start. We are now aware of our financial situation and want to make it better. My husband has a new job, and I am in the process of going back to work after having our children. I am a mother of 2 and just want to give my children the opportunities that I know I won't be able to if I don't fix my financial situation. We are doing everything we can to lower our expenses on a monthly basis. We are moving in with family to lower our mortgage and expenses. We are doing what we can but just need a little help to get back on our feet.

Monthly net income: $3000

Monthly expenses: $2700
??Housing: $ 600
??Insurance: $
??Car expenses: $0
??Utilities: $200
??Phone, cable, internet: $75
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459730
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jun-1979 Debt/Income ratio: 16%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 5 / 4Length of status:0y 5m
Credit score: 720-739 (May-2010) Total credit lines: 26 Occupation: Other
Now delinquent: 5 Revolving credit balance: $964Stated income:$25,000-$49,999
Amount delinquent: $84 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: progressive-justice4 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
Extra cash for my daughter
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 459734
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-2007 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 7 / 3Length of status:0y 4m
Credit score: 700-719 (May-2010) Total credit lines: 8 Occupation: Landscaping
Now delinquent: 0 Revolving credit balance: $359Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 22%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: preeminant-coin0 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 my credit cards
Purpose of loan:
?paying off all my debt
My financial situation:
I am never late

Monthly net income: $
1500
Monthly expenses: $
??Housing: $ 150
??Insurance: $100-125
??Car expenses: $ 50
??Utilities: $ 0
??Phone, cable, internet: $?50
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 2500
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459736
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.34% Starting borrower rate/APR: 10.34% / 12.45% Starting monthly payment: $291.84
 
Auction yield range: 3.99% - 9.34% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.21%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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: 22%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 14 / 12Length of status:2y 1m
Credit score: 720-739 (Apr-2010) Total credit lines: 26 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $57,197Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 49%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: eclipse8 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
Debt Consolidation
Purpose of loan:
This loan will be used to Debt Consolidation

My financial situation:
I am a good candidate for this loan because I never miss a payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459738
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.20% Starting borrower rate/APR: 10.20% / 12.31% Starting monthly payment: $323.61
 
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: Mar-1992 Debt/Income ratio: 18%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:7y 1m
Credit score: 720-739 (May-2010) Total credit lines: 21 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $24,426Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 58%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: dough-brilliance2 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: 4 ( 67% ) 720-739 (Latest)
Principal borrowed: $9,000.00< 31 days late: 1 ( 17% )  
740-759 (Oct-2009)
760-779 (Sep-2009)
 
Principal balance: $7,764.43 31+ days late: 1 ( 17% )
Total payments billed: 6  
Description
My personal loan for my business
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459740
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,300.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 13.85% Starting borrower rate/APR: 14.85% / 17.02% Starting monthly payment: $287.11
 
Auction yield range: 5.99% - 13.85% Estimated loss impact: 5.23%  
Lender servicing fee: 1.00% Estimated return: 8.62%  
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: Mar-1992 Debt/Income ratio: 18%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:8y 8m
Credit score: 720-739 (May-2010) Total credit lines: 34 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $41,133Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 83%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: receptive-dollar2 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 loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459746
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 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: 24%
Basic (1-10): 2 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 7 / 7Length of status:5y 0m
Credit score: 700-719 (May-2010) Total credit lines: 27 Occupation: Clerical
Now delinquent: 2 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $5,524 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 4    
Screen name: Boiselady Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 25 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
680-699 (Mar-2010)
640-659 (Feb-2010)
660-679 (Jan-2010)
680-699 (Dec-2009)
 
Principal balance: $1,476.06 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Paying off CC and Home Improvement
Purpose of loan:
This loan will be used to? help pay my cc debt and now we need some home improvement. Kitchen dishwasher was leaking and ruined the underlayment, so we need that replaced, downstairs bathroom leaking around seal, needs to be dried out and stripped and new flooring.I decreased the amount from my previous listing.because my daughter with Multiple Sclerosis and who is on disability, has a major problem:her teeth have deteriorated to the point she needs them completely removed and new dentures inserted but was able to get some work done at a dental school on a sliding scale She cannot afford to have this done, her insurance doesn't cover dental, so I wanted to help her.? She is chairbound now and is only 48 years old. PLEASE consider my listing.My credit score is still climbing and improving.

My financial situation:
I am a good candidate for this loan because?? Please help me. I have always tried to pay my immediate obligations and by paying down my cc debt my financial and dti will be better and I will have more to pay off any additional debt. I am current on my present Prosper loan and have had no late payments and have never missed one either.My daughter can also help with the monthly payment.Thanks for your consideration. The delinquencies have been resolved but still appear on your site..? I would like to thank previous bidders.


Monthly net income: $ 3892

Monthly expenses: $ 3675
??Housing: $ 1700
??Insurance: $ 150
??Car expenses: $ 50
??Utilities: $ 300
??Phone, cable, internet: $ 25
??Food, entertainment: $ 300
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 1150
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459748
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $271.42
 
Auction yield range: 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-2000 Debt/Income ratio: Not calculated
Basic (1-10): 1 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:6y 0m
Credit score: 640-659 (May-2010) Total credit lines: 5 Occupation: Other
Now delinquent: 0 Revolving credit balance: $7,728Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: forceful-velocity9 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Make her Eyes Sparkle-Engagment
There comes a time in every man's life where he looks at what he has and is completely content. For several years we have brought a blended family together as though we were always one unit. We have 5 kids combined and a hectic, amazingly fulfilling life
The kids keep asking...."When are you going to get married?"

I have the most amazingly, beautiful girlfriend.? See her picture right there? Staring at you with her blue eyes. They sparkle.
?A girl like her can't be presented with just an ordinary ring. Just something out of a plastic display case will not suit her. She deserves to have more then just a diamond from a window in a mall.She is also the bill payer,? the one who rules and makes the budget, and the one with all access to all accounts.? I could not possibly manage to get the funding for this surprise without knowing without using Prosper.

Let me explain a little about what you see above in my credit profile. I have very few open accounts, and the one I do have is close to maximum capacity.? I have always hated to use credit cards and only have one. At the time, I thought I was being smart, until we needed a car that was more reliable and could fit us all.? I tried to get the conventional loans, and although I have a good credit score I was being denied due to a lack of credit history.? No one taught me? that if I want credit, in essence I have to pay for it. So, not only is this loan going to get? the ring of her dreams, it is also going to build up my credit history. My profile shows that I have almost maxed my credit card out. This is true, but we no longer use it, and it was only used for major purchases, such as vacations, medical, etc.

To prove that I am a good contender for this loan allow me to break things down:
My girlfriend makes 2200 a month(after taxes).? I make $1800 a month (after taxes)
Housing: We pay $1000.00 a month on a lease to own. Never been late on a payment. 2 years
Insurance-$120 for auto insurance.
Cars-?We have one car paid in full, and the other only has a?$200/mo payment.?
Credit Cards-? Mine is almost maxed out,however I have never missed a payment in over seven years.? We do not rely on credit cards, but rather use them for large purchases.? We make extra payments on them every chance we can.
Misc- the rest of our budget goes to family and kid activities.? Taekwondo, softball, baseball, theatre costumes, family outings, school necessities, soccer, chess team, daycare, groceries, gas, etc.
My girlfriend is very meticulous with our budget.? Every bill is paid and every payment is above the minimum and on time. We pay
our bills off quickly and expect to do so with this one as well.? We have two savings accounts, one for general use and one for the planning of our wedding. Even though my Prosper score is low and it looks like I am a risk, I will be an excellent borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459752
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 13.99% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1992 Debt/Income ratio: 26%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 13 / 12Length of status:6y 0m
Credit score: 600-619 (May-2010) Total credit lines: 51 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $9,094Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: whaizmacheddah Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 21 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
620-639 (Jul-2009)
640-659 (Jul-2008)
 
Principal balance: $436.97 31+ days late: 0 ( 0% )
Total payments billed: 21  
Description
paying off credit cards
Purpose of loan:
This loan will be used to? consolidate debt. and pay for summer vacation

My financial situation:
I am a good candidate for this loan because? i always am conscientious about paying my debts in full. my credit while not the gretaest is outweighed by a recent positive influx of cash per month(app $600/month).

Monthly net income: $ 3500

Monthly expenses: $ 3200
??Housing: $ 1085
??Insurance: $ 65
??Car expenses: $ 440
??Utilities: $?75
??Phone, cable, internet: $ 175
??Food, entertainment: $ 500
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459754
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,700.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 28.00% Starting borrower rate/APR: 29.00% / 31.36% Starting monthly payment: $280.77
 
Auction yield range: 16.99% - 28.00% Estimated loss impact: 26.63%  
Lender servicing fee: 1.00% Estimated return: 1.37%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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: 30%
Basic (1-10): 2 Inquiries last 6m: 7Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 6 / 6Length of status:19y 0m
Credit score: 660-679 (May-2010) Total credit lines: 28 Occupation: Retail Management
Now delinquent: 2 Revolving credit balance: $7,174Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 56%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 12    
Screen name: moola-tempo Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to?pay for my sons braces, and to get those credit cards paid in full.

My financial situation:??I am a good candidate for this loan because my?Wife and I are very well organized and have our finances under control. We are ahead by 2 months or more on all loans?,execept ?credit cards. We fell into a rough patch two years ago while trying to sell our house, but we closed on it last year and it is out of our names for good! The other past delinquent is from 5 years ago when I got my brother a cellphone, he neglected to pay, I cancelled the account, and the $200 bill was turned over to a collection agency (I have/will never do that again!). Our credit score has been steadily climbing and our debt is steadily declining each month.I atend to pay off my credit cards and our credit will climb even faster. We just need a break, can u please help us..
I

Monthly net income: $ 2700.00

Monthly expenses: $
??Housing: $ 312.00
??Insurance: $
??Car expenses: $ 299.00
??Utilities: $ 54.00
??Phone, cable, internet: $ 34.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 40.00
??Credit cards and other loans: $ 200.0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459758
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1983 Debt/Income ratio: 31%
Basic (1-10): 8 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 35 / 31Length of status:19y 9m
Credit score: 660-679 (May-2010) Total credit lines: 90 Occupation: Professor
Now delinquent: 0 Revolving credit balance: $18,622Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: intrepid-camaraderi4 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
Vacation
Purpose of loan:
This loan will be used to?go on a long overdue vacation?

My financial situation:
I am a good candidate for this loan because I have never made a late payment and always pay my debt and need this money.

Monthly net income: $ 7863.00

Monthly expenses: $
??Housing: $ 875
??Insurance: $?133
??Car expenses: $ 460
??Utilities: $ 190
??Phone, cable, internet: $?225
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 450
??Other expenses: $ 900
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459770
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.10% Starting borrower rate/APR: 7.10% / 7.44% Starting monthly payment: $30.92
 
Auction yield range: 2.99% - 6.10% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.50%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2007 Debt/Income ratio: 14%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 3 / 3Length of status:0y 9m
Credit score: 740-759 (May-2010) Total credit lines: 3 Occupation: Waiter/Waitress
Now delinquent: 0 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: decisive-dinero478 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan for my education
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459774
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.0%  
   
 
Starting lender yield: 21.00% Starting borrower rate/APR: 22.00% / 24.26% Starting monthly payment: $229.14
 
Auction yield range: 16.99% - 21.00% Estimated loss impact: 19.19%  
Lender servicing fee: 1.00% Estimated return: 1.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2000 Debt/Income ratio: 31%
Basic (1-10): 2 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 9Length of status:6y 4m
Credit score: 720-739 (May-2010) Total credit lines: 29 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $6,025Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: wealth-bearer9 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
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 459786
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.00% Starting borrower rate/APR: 11.00% / 13.12% Starting monthly payment: $163.69
 
Auction yield range: 3.99% - 10.00% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.87%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1980 Debt/Income ratio: 24%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 12Length of status:5y 4m
Credit score: 740-759 (May-2010) Total credit lines: 44 Occupation: Engineer - Chemical
Now delinquent: 0 Revolving credit balance: $45,354Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 89%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: commitment-saga6 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
My wife is a Middle School Teacher, and earns $74,000 annually.? Our combined income is $192,000, which can be verified with pay stubs.?

We have two sons, the younger one just finishing his Sophomore year at Northwestern University.? We would like to replace our high interest credit cards with a loan from Prosper, so that we can become debt free in a timely manner.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459788
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1981 Debt/Income ratio: 25%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 18 / 16Length of status:7y 3m
Credit score: 600-619 (May-2010) Total credit lines: 25 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $9,008Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Faucher2006 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: 0 / 1 On-time: 35 ( 100% ) 600-619 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
620-639 (Jun-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459792
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.00% Starting borrower rate/APR: 12.00% / 14.13% Starting monthly payment: $83.04
 
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: Aug-1994 Debt/Income ratio: 34%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 17 / 13Length of status:4y 6m
Credit score: 700-719 (Apr-2010) Total credit lines: 50 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $68,862Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 83%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Stevewh Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to provide for consolidation of debt associated with our small rental home business.? We?will use this to pay?off a Lowes credit card that is coming due at 22.99% interest.? This $2,500 allows us to avoid accumulated interest charges?over the last 12 months and avoids future interest at this higher rate.?

Our business is active and profitable.? The area that we invest in?is a secure well established community with great homes and?profitable?rent opportunities.?We currently have (5)?homes in this areas now.??We also live in the town we invest in, so we know that the market is solid.

My financial situation:
My wife and I are a good source for financial security because we both have established careers in other professions, I am a project manager in and my wife is a paralegal.? Our credit rating is great (above 700) and our current inventory of houses have solid equity (over 190k above the money owed on the mortgage).??
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459798
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $63.79
 
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: Sep-1998 Debt/Income ratio: 21%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 5Length of status:0y 9m
Credit score: 700-719 (May-2010) Total credit lines: 17 Occupation: Other
Now delinquent: 0 Revolving credit balance: $607Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 36%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 13    
Screen name: newest-aggresive-finance 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
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459804
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-2001 Debt/Income ratio: 63%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 25 / 21Length of status:7y 7m
Credit score: 640-659 (May-2010) Total credit lines: 39 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $13,759Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: tough-gold9 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
Bill 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 am a hard worker, honest and trustworthy. I have never defaulted on anything.? Yes, I may have some outstanding debts (reason behind the HR rating) but that is?primarily because I made the wise decision to pursue higher education.?I worked extremely hard?to put myself through?college and by the Grace of God, I have made it.? Throughout my entire college education, I worked and paid all my bills on time.? I even became a homeowner.

Even though I have student loans, I have earned 2 degrees and a license to practice.? I am in the position to pay back this loan.? I pray someone will have faith?in me and trust that I will make every one of my monthly payments on time.Please feel free to email me with any questions you may have.
I thank you kindly?in advance.


Monthly net income: $ 5700.00 (rising very soon)

Monthly expenses: $ 3800.00

Housing: $ 740.00 (insurance and taxes included in this payment)
??Insurance: $?90.00 (car insurance)
??Car expenses: $ 370.00
??Utilities: $ 280.00
??Food, entertainment: $ 120.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 2000.00

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459816
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,300.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.17% Starting monthly payment: $58.81
 
Auction yield range: 13.99% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-2000 Debt/Income ratio: 3%
Basic (1-10): 7 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: 19 ( 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: $676.69 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to?consolidate debt and to continue my classes I'm taking through a local college.

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 459822
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 33.29% Starting borrower rate/APR: 34.29% / 36.73% Starting monthly payment: $112.09
 
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: Feb-2000 Debt/Income ratio: 30%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 6 / 6Length of status:9y 8m
Credit score: 660-679 (May-2010) Total credit lines: 17 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $3,920Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 114%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 7    
Screen name: principal-bugle Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need to fix car
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 459828
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 18.90% Starting borrower rate/APR: 19.90% / 22.39% Starting monthly payment: $55.67
 
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: Jun-1994 Debt/Income ratio: Not calculated
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 3Length of status:0y 0m
Credit score: 660-679 (May-2010) Total credit lines: 26 Occupation: Other
Now delinquent: 0 Revolving credit balance: $7,283Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 80%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: bid-reformation Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Emergency due to roommate move out
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 459840
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 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-1978 Debt/Income ratio: 83%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 12 / 11Length of status:20y 11m
Credit score: 700-719 (May-2010) Total credit lines: 32 Occupation: Other
Now delinquent: 0 Revolving credit balance: $51,831Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: blue-obedient-return 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
working capital for green products
Purpose of loan:
This loan will be used?to supplement working capital for my business and new product line.?We make banners and table covers with fabric made from 100% recycled soda bottles and printed with water based inks.

My financial situation:
I am a good candidate for this loan because I pay my bills on time.? I'm not late even though there?has been ?a recession and it has hard hit small business.? I have kept all my people employed and I pay benefits.

Monthly net income: $ 5224.00

Monthly expenses: $
??Housing: $ 1400????
??Insurance: $ 275
??Car expenses: $140
??Utilities: $ 140
??Phone, cable, internet: $ 110
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 900
??Other expenses: $ 1056
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459846
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.20% Starting borrower rate/APR: 10.20% / 12.31% Starting monthly payment: $404.51
 
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-1992 Debt/Income ratio: 15%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 6Length of status:9y 2m
Credit score: 700-719 (May-2010) Total credit lines: 15 Occupation: Car Dealer
Now delinquent: 0 Revolving credit balance: $16,888Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 42%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: orderly-integrity0 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off all bills,
Purpose of loan:
making life simple by paying of all bills, consolidate into one..

My financial situation:
I am a good candidate for this loan because?i have good , solid cash flow, committed to pay off all bills..?

Monthly net income: $ 15,000

Monthly expenses: $
??Housing: $ 2300
??Insurance: $ 300
??Car expenses: $ 3000
??Utilities: $ 250
??Phone, cable, internet: $ 250Food, entertainment: $
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 1000
??Other expenses: $ 1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459852
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.10% Starting monthly payment: $43.38
 
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: Oct-2001 Debt/Income ratio: 11%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 9 / 8Length of status:7y 3m
Credit score: 660-679 (May-2010) Total credit lines: 53 Occupation: Police Officer/Corr...
Now delinquent: 1 Revolving credit balance: $1,238Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 18    
Screen name: kenny3 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 24 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
600-619 (May-2008)
540-559 (Nov-2006)
520-539 (Oct-2006)
 
Principal balance: $436.53 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
Putting in an irrigation system
Purpose of loan:
This loan will be used to? Putting an irrigation system?in my lawn.

My financial situation:
I am a good candidate for this loan because? I have been paying bills for the past three years on time,? and have paid my loan with prosper on time for the past two years.

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 1237.00
??Insurance: $ 383.00
??Car expenses: $ 500.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $? 300.00
??Clothing, household expenses $? 250.00
??Credit cards and other loans: $ 150.00
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459870
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 6.5%  
   
 
Starting lender yield: 19.07% Starting borrower rate/APR: 20.07% / 23.20% Starting monthly payment: $44.64
 
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-1997 Debt/Income ratio: 34%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 12 / 11Length of status:3y 3m
Credit score: 640-659 (May-2010) Total credit lines: 27 Occupation: Other
Now delinquent: 1 Revolving credit balance: $21,474Stated income:$25,000-$49,999
Amount delinquent: $89 Bankcard utilization: 83%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: green-economy-daydream 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
Paying off a high rate credit card
Purpose of loan:
This loan will be used to pay off a high interest Credit card.? I am?working to pay off each card as soon as I can.?

My financial situation:
I am a good candidate for this loan because I have a stable job and a stable lifestyle.?

Monthly net income: $ 2759

Monthly expenses: $
??Housing: $ 665
??Insurance: $ 67
??Car expenses: $?65
??Utilities: $ 260
??Phone, cable, internet: $90?
??Food, entertainment: $?450
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 550
??Other expenses: $ 125
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459882
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 8.00% Starting borrower rate/APR: 9.00% / 11.09% Starting monthly payment: $397.50
 
Auction yield range: 7.99% - 8.00% Estimated loss impact: 8.66%  
Lender servicing fee: 1.00% Estimated return: -0.66%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-2001 Debt/Income ratio: 30%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:9y 10m
Credit score: 760-779 (May-2010) Total credit lines: 12 Occupation: Medical Technician
Now delinquent: 0 Revolving credit balance: $11,509Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: sweet-liberty3 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 high interest credit cards.
I REALLY want to get rid of these suckers!

My financial situation:
I am a good candidate for this loan because I pay my obligations.? I want "real" people to benefit from my interest payments.

Monthly net income:?Over $5200?

Monthly expenses: $
??Housing: $2000
??Insurance: $120
??Car expenses: $ 150 (gas)
??Utilities: $ 130
??Phone, cable, internet: $225
??Food, entertainment: $600
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 450
??Other expenses: $ 700
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459888
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.25% Starting borrower rate/APR: 27.25% / 29.59% Starting monthly payment: $245.76
 
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: Feb-2003 Debt/Income ratio: 6%
Basic (1-10): 7 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 2 / 1Length of status:5y 5m
Credit score: 720-739 (May-2010) Total credit lines: 2 Occupation: Medical Technician
Now delinquent: 0 Revolving credit balance: $3,522Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 20%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: liberty-mandolin8 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
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447807
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.07% Starting borrower rate/APR: 20.07% / 23.86% Starting monthly payment: $37.20
 
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: Jun-1987 Debt/Income ratio: 79%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 22 / 20Length of status:21y 4m
Credit score: 640-659 (May-2010) Total credit lines: 39 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $90,184Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: marketplace-vibrato Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
This loan will be used to? pay off high interest credit card balances that I am making payments on but getting nowhere.

My financial situation:
I am a good candidate for this loan because? I have been working for the same company for 21 years and make good money.

Monthly net income: $ 3,300

Monthly expenses: $ 2458
??Housing: $ 251
??Insurance: $?57
??Car expenses: $?350
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1000
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456405
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,650.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $91.86
 
Auction yield range: 3.99% - 14.00% Estimated loss impact: 2.15%  
Lender servicing fee: 1.00% Estimated return: 11.85%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-2002 Debt/Income ratio: 24%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 12 / 12Length of status:1y 9m
Credit score: 700-719 (Apr-2010) Total credit lines: 20 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,139Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 10%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: ChrisLoans2You 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 / 2 On-time: 3 ( 100% ) 700-719 (Latest)
Principal borrowed: $5,800.00< 31 days late: 0 ( 0% )  
740-759 (Mar-2010)
760-779 (Jul-2009)
740-759 (Sep-2008)
 
Principal balance: $0.03 31+ days late: 0 ( 0% )
Total payments billed: 3  
Description
My personal loan.
Ok sharks you got me to list at a higher rate. This is a locked in, will pay on time loan. I have previously taken out?2 loans on Propser for $2900 which on the first I made payment on for about?4-5 months and then paid off the balance in full. The 2nd loan I had only about 2 months because I came into a chunk of money so I paid it off. This time,?I think will keep this loan for a minimum of a 1 year, but maybe the full term. However,?I do like to pay off debt quickly if I can.

My financial situation:
I am a good candidate for this loan because?
I have a low cost of living and and my job is not in jeapardy.
I worked very hard to rebuild my credit from my youthful mistakes and will not ruin it.
I am a family man who makes it a priority to pay bills ahead of time.
I check my credit regularly to ensure it is perfect and accurate
I have 45% equity in my home ($108,000) conservative equity estimate, %4.875 30 year fixed on the rest
$2000 in the bank.
I am due for another?salary?increase in Sep 2010

The loan will be paid back, period. I have been burned by a few borrowers on here and I know how it feels to see a loan go bad. I will not do that to anyone. I will set up my payments on auto draft but also make extra manual payments.

**The "judgement" on my credit history is from a work accident in 2003. The insurance company was supposed to send payment for the bill and they delayed. I was persistent, but got caught up in the red tape and they did not pay until 1 week after the judgement was rendered. I worked hard to get it removed, 2 bureaus removed it, but not Experian. The ammount was negligible ($325).


I owe around $2500 on a $25,000 2007 Ford Edge, which I am ahead on my payments and do not need to pay until Jan 2011.
I was in a car accident in Novemenr and had to get rid of my paid off beater and got a 2010 Civic. I owe $14,500 on it@ 2.9%, 48 mos
I think I should be an AA rating, but I made?some recent?inquiries and a new car, home refinancing which may have?knocked me down to A

I am currently working full time as well as taking?10 college credits this semester.
My net salary pay is?$1254 bi weekly?weeks plus once a month?I get a mileage check and health insurance reimbursement monthy (around $400 net/month)
My company is also generous enough to give us a nice?holiday bonus, and I do make some?signifigant extra cash on the side doing various things.

This loan is a solid one for your portfolio, it will get paid back over time, providing you with a solid?flow of interest and principal?coming in.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456789
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $24,000.00 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: $867.66
 
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: Jan-2002 Debt/Income ratio: 29%
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 13 / 12Length of status:8y 4m
Credit score: 700-719 (May-2010) Total credit lines: 22 Occupation: Pharmacist
Now delinquent: 0 Revolving credit balance: $43,820Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: induram 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: 0 / 1 On-time: 15 ( 100% ) 700-719 (Latest)
Principal borrowed: $17,500.00< 31 days late: 0 ( 0% )  
720-739 (Aug-2008)
760-779 (Mar-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 15  
Description
Inventory for 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 457225
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.90% Starting borrower rate/APR: 11.90% / 14.03% Starting monthly payment: $829.16
 
Auction yield range: 7.99% - 10.90% Estimated loss impact: 8.73%  
Lender servicing fee: 1.00% Estimated return: 2.17%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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: 37%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 7Length of status:4y 0m
Credit score: 780-799 (May-2010) Total credit lines: 17 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $4,166Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 9%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: power-radio 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
Business Franchise Cafe Restaurant
Purpose of loan:
This loan will be used to help open my third national franchise cafe restaurant, located in office buildings. Currently I am the owner of two franchise office building cafes. Wraps, sandwiches, salads, soups, and smoothies. Our goal is to provide you with an excellent product at a fair price. Every menu item is prepared fresh daily on the premises using only the finest ingredients. Sensible Food That Tastes Great!

My first store has been open for 4 years and the other 2 1/2 years. I am signing a new 10 year lease for a third office building cafe location opening by July.

#1 store had $85,000 in start up costs.

#2 caf? was $65,000 in start up costs.

New #3 is projected to have $65,000 in start up costs.

All 3 locations are furnished by the building owners with all major restaurant equipment and layout. This is reason why my start up costs are so low.

My credit score is 780-799. Rating is C because I only have stated w-2 salary of $48,000 from the business corporation.

My wife also had $33,231 in w-2 income from my corporation which can not be used in the Prosper ratings calculation.

2009 additional profit from corporation was of $31,568

Plus I had $4,000 in amortization.

Also had $5,300 in deprecation.

TOTAL Cash flow from this franchise business for our family was $122,099 for 2009 This new 3rd location is projected to have a profit of $2,500 per month.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457461
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $241.23
 
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-1994 Debt/Income ratio: 20%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 11Length of status:21y 9m
Credit score: 660-679 (May-2010) Total credit lines: 22 Occupation: Other
Now delinquent: 0 Revolving credit balance: $23,194Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 74%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: tom_s Borrower's state: California Borrower's group: FUTURE FINANCIAL FREEDOM 1
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off high interest credit card
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 459109
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.0%  
   
 
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: 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: 31%
Basic (1-10): 3 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 13 / 10Length of status:2y 9m
Credit score: 640-659 (May-2010) Total credit lines: 45 Occupation: Other
Now delinquent: 3 Revolving credit balance: $7,964Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 61    
Screen name: kdi12 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 / 2 On-time: 47 ( 73% ) 640-659 (Latest)
Principal borrowed: $7,500.00< 31 days late: 17 ( 27% )  
620-639 (Nov-2007)
620-639 (May-2007)
620-639 (Apr-2007)
 
Principal balance: $1,102.63 31+ days late: 0 ( 0% )
Total payments billed: 64  
Description
Almost at the end of the line...
Purpose of loan:
To consolidate two accounts and save monthly costs of $130 and interest rates exceeding $1000 by payoff..

My financial situation:
All of my accounts that were with collection agencies are paid in full except for one.None of my accounts are delinquent.In fact, I am now in a financial position to pay my bills before the due dates and I will often pay above the minimum.Most recently, I leased another vehicle mainly because it was cheaper than getting finance to purchase.I have leased with Honda for my last 3 cars and because of my stellar payment history, they put me in the Top 2 tier for financing?one below the most excellent.So I am making progress, and I am hoping that with this loan I can further improve my credit situation. undefinedMonthly net income: $ 6250

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 167 ????
??Car expenses: $ 360
??Utilities: $ 50 (bimonthly)
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 680
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459283
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24%
Basic (1-10): 4 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 6 / 6Length of status:0y 3m
Credit score: 640-659 (May-2010) Total credit lines: 18 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $1,857Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 58%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: JH_Loaner 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
Divorce &amp; Pay-Off Loan
This loan will primarily be used to handle?attorney fees and relocation assistance?for a sudden?divorce proceeding. This loan covers 1.5 times the entire cost amount quoted by the lawyer's office for the scheduled divorced proceedings, with?a little left over to be used for unexpected fees, court costs, initial child care expenses, and relocation assistance. The majority of the loan will initially be put directly into an escrow with the attorney's office to ensure proper regulation of all amounts taken from the total. Leftover amounts will be placed towards relocation fees, initial child care fees, and to cover costs associated with separation of possessions and court costs of property and financial recovery. This will be kept separate from my primary accounts in an interest-free savings account. Any requests for specifics (receipts, etc.) will be provided upon request.

For those concerned, the reason for this loan is for the good of my children, not myself. I am placing a stable home and future for them ahead of any comfort or desire of my own. I am asking for this loan to ensure that all ongoing actions are resolved completely, quickly, and without harm to their daily lives. Their livelihoods come before my credit score, and any amount not needed will be returned to the loan originators. I am not asking for any more money than is absolutely necessary.

My financial situation:
I am a good candidate for this loan because I maintain and keep up to date on all bills, all moneys owed, and any personal expenses. I do not spend exorbitantly, I keep my spending in check, and have been increasing my credit score while keeping household costs to a minimum. I would rather live lean than to be "in hock" on costs I owe to others.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459287
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 70%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Retired
Enhanced (1-5):2 Current / open credit lines: 7 / 5Length of status:0y 0m
Credit score: 660-679 (May-2010) Total credit lines: 20Stated income:$1-$24,999
Now delinquent: 0 Revolving credit balance: $3,501 
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 including my existing prosper loan which will save me a 150.00 a month.

My financial situation:
I am a good candidate for this loan because? never late or missed a payment.

Monthly net income: $ 1570

Monthly expenses: $
??Housing: $ 625
??Insurance: $
??Car expenses: $
??Utilities: $ 40
??Phone, cable, internet: $ 110
??Food, entertainment: $ 200
??Clothing, household expenses $?50
??Credit cards and other loans: $ 340
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459289
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 22.75% Starting borrower rate/APR: 23.75% / 26.04% Starting monthly payment: $391.02
 
Auction yield range: 10.99% - 22.75% Estimated loss impact: 10.56%  
Lender servicing fee: 1.00% Estimated return: 12.19%  
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: Mar-1999 Debt/Income ratio: 33%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 17 / 15Length of status:7y 9m
Credit score: 720-739 (May-2010) Total credit lines: 48 Occupation: Other
Now delinquent: 0 Revolving credit balance: $22,505Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 9    
Screen name: lgrande Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 7 ( 100% ) 720-739 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
680-699 (Oct-2009)
780-799 (Jan-2007)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Paying off credit cards!
Purpose of loan:
This loan will be used to to consolidate 5 credit cards ib to one payment. I am a returning customer to prosper, I had a 15k loan that I faithfully paid before the end of the term. I am very goal oriented and need to have one payment for my cards.?

My financial situation:
I am a good candidate for this loan because I have a steady and secured job that income increases 5% to 6% annually.??I have additional income from a small vending business and a savings account with 8k. I plan to pay off this loan by March of 2011 with my tax return and other income from the vending business.

Monthly net income: $ 4500 to 5000

Monthly expenses: $
??Housing: $ 1900?
??Insurance: $ 50
??Car expenses: $ 200
??Utilities: $ 150?
??Phone, cable, internet: $ 100?
??Food, entertainment: $ 200?
??Clothing, household expenses?$ 100?
??Credit cards and other loans: $ 600+
??Other expenses: $ 0?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459373
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.30% Starting borrower rate/APR: 8.30% / 8.64% Starting monthly payment: $188.85
 
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: Mar-1994 Debt/Income ratio: 8%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 9Length of status:11y 1m
Credit score: 800-819 (May-2010) Total credit lines: 34 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $3,980Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 10%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: benevolent-point 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 personal loan
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459427
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-2005 Debt/Income ratio: 11%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 6 / 4Length of status:0y 0m
Credit score: 640-659 (May-2010) Total credit lines: 14 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $3,328Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: happy-money6 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan for my education
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459433
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $474.98
 
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: 39%
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: 0 / 1 On-time: 35 ( 97% ) 640-659 (Latest)
Principal borrowed: $12,500.00< 31 days late: 1 ( 3% )  
620-639 (Apr-2007)
620-639 (Mar-2007)
 
Principal balance: $0.03 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
home upgrade/debt consolidation
Purpose of loan:
This loan will be used to 1) replace appliances purchased 25 years ago have run their course and some are?no longer in working order?($3,500). Not only is this upgrade needed but?would also improve the value of the home. Some minor home repairs to bath and kitchen is an additional $1,500. 2) Co-pays for emergency dental work (after submitting insurance) totals $2,100, and 4) a debt consolidation in the amount of $3,400 would reduce and illiminate the? number of credit cards into one monthly payment to Prosper.
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. The previous loan was paid on time monthly and has been paid in full with no difficulty. In addition, my credit score has improved significantly and I would like to continue on that path. Thank you for your thoughtful consideration of my application.

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 459439
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.0%  
   
 
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: 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: Jun-1992 Debt/Income ratio: 13%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 8Length of status:7y 4m
Credit score: 640-659 (May-2010) Total credit lines: 27 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $1,520Stated income:$50,000-$74,999
Amount delinquent: $1,979 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 17    
Screen name: pound-dominator Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Medical
Purpose of loan:
This loan will be used for debt consolidation, pay for medical expenses and to build my credit back up.

My financial situation:
I am a good candidate for this loan because the payments will be automatically withdrawn from my account.? I am attempting to build my credit up.

Monthly net income: $ 2500

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 459445
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 33.29% Starting borrower rate/APR: 34.29% / 37.01% Starting monthly payment: $67.25
 
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: Aug-2000 Debt/Income ratio: 7%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 6Length of status:5y 5m
Credit score: 640-659 (May-2010) Total credit lines: 10 Occupation: Other
Now delinquent: 2 Revolving credit balance: $1,421Stated income:$25,000-$49,999
Amount delinquent: $53 Bankcard utilization: 61%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: Retto_pyrrah Borrower's state: Ohio Borrower's group: Our Values
Credit and homeownership information was obtained 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: 35 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
620-639 (May-2007)
600-619 (Mar-2007)
 
Principal balance: $54.12 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Medical Bills
Purpose of loan:
This loan will be used to pay off some hospital bills I incurred due some unexpected complications with my pregnancy.

My financial situation:
I am a good candidate for this loan because, as you can see from my last prosper loan, I will pay on time, every time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459449
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,975.00 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: $270.29
 
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-1998 Debt/Income ratio: 19%
Basic (1-10): 4 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 10 / 8Length of status:4y 0m
Credit score: 660-679 (May-2010) Total credit lines: 36 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $7,900Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: ITatlantagirl Borrower's state: Georgia Borrower's group: Have Money - Will Bid
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 25 ( 100% ) 660-679 (Latest)
Principal borrowed: $8,900.00< 31 days late: 0 ( 0% )  
620-639 (May-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Consolidate 2 high Interest loans
Purpose of loan:
This loan will be used to? pay off our American General and another Finance company balance.? Will also lower our monthly outgo by doing so.

My financial situation:
I am a good candidate for this loan because? we have longtime solid employment at the same companies.? We have never been late on any payments on any accounts ever.? We make a combined $188,000 a year.? We also paid off a previous Prosper loan last year early, with no late payments ever.

Monthly net income: $ 4800 (me)? PLUS $4000 (husband)= $8800.00/mo income

Monthly expenses: $ 5468 total
??Housing: $ 2100
??Insurance: $ 138
??Car expenses: $ 1100
??Utilities: $ 400
??Phone, cable, internet: $ 130
??Food, entertainment: $ 700
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459469
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $185.82
 
Auction yield range: 10.99% - 19.00% Estimated loss impact: 10.45%  
Lender servicing fee: 1.00% Estimated return: 8.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2003 Debt/Income ratio: 10%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 5Length of status:0y 1m
Credit score: 640-659 (May-2010) Total credit lines: 19 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,522Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 13%  
Public records last 12m / 10y: 1/ 1 Homeownership: No  
Delinquencies in last 7y: 2    
Screen name: gain-library 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 emergency medical bill

Purpose of the loan: This loan will be used to pay the medical expenses I incurred from an emergency room visit on April 9, 2010. I was diagnosed with endometriosis. I got a job in April, 2010 but my medical insurance started on May 1st. Hence, the insurance will not cover the bills. So far the bill amount is $3500.There are a few more to come.

My financial situation: I recently got a job as a personal banker at Chase. I will have a steady income but currently I am just catching up on my last 6 months without a job. My husband was laid off last year. He has a $3000 student loan from the Massage School with a high interest rate.
I am a good candidate for this loan because I have a job and I can pay off the loan.

Monthly net income: $2500+commission

Monthly expenses: $ 1640
??Housing: $800 rent
??Insurance: $60
??Car expenses: No cars but transportation $80
??Utilities: $60
??Phone, cable, internet: $140
??Food, entertainment: $200
??Clothing, household expenses $100
??Credit cards and other loans: $105 (this is my husband's student loan monthly payment)
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459481
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 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: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1999 Debt/Income ratio: 9%
Basic (1-10): 2 Inquiries last 6m: 10Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 14 / 12Length of status:17y 9m
Credit score: 600-619 (May-2010) Total credit lines: 28 Occupation: Other
Now delinquent: 0 Revolving credit balance: $15,821Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 49%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Gibsound Borrower's state: Pennsylvania Borrower's group: Pittsburgh / Western Pennsylvania
Credit and homeownership information was obtained 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: 14 ( 100% ) 600-619 (Latest)
Principal borrowed: $5,500.00< 31 days late: 0 ( 0% )  
680-699 (Nov-2009)
680-699 (Aug-2009)
660-679 (Jul-2009)
680-699 (May-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
Remodeling investment property
Purpose of loan:
This loan will be used to make repairs and remodel an investment property. Installing a new furnace with C/A, and New flooring.

My financial situation: I work 96+ hours every two weeks, I also recieve income from investment properties.
This will be my third successful loan with Prosper.com

Monthly net income: $4600

Monthly expenses: $
??Housing: $1400
??Insurance: $200
??Car expenses: $400
??Utilities: $525
??Phone, cable, internet: $100
??Food, entertainment: $100
??Clothing, household expenses $200
??Credit cards and other loans: $300
??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459497
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 12.99% Starting borrower rate/APR: 13.99% / 16.15% Starting monthly payment: $68.35
 
Auction yield range: 5.99% - 12.99% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.77%  
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: Jul-2006 Debt/Income ratio: Not calculated
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Not employed
Enhanced (1-5):4 Current / open credit lines: 2 / 2Length of status:0y 4m
Credit score: 720-739 (May-2010) Total credit lines: 3Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $216 
Amount delinquent: $0 Bankcard utilization: 21%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: direct-balance4 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
Loan for upcoming moving expenses
The purpose of this loan is to help in paying for an upcoming move I'll be making.
I believe I'm a good candidate for this loan because I've always made paying my bills on time every time a top priority. Although my credit cards currently have low credit lines, I'm hoping that by obtaining this loan, and paying it on a regular basis, my credit card providers will eventually allow me to have a higher credit line in the future, giving me more flexibility when I need it. If any investor of this loan has any questions for me,?????????????????????????feel free to ask and I'll gladly answer.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459511
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $198.84
 
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: Oct-1990 Debt/Income ratio: 34%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Part-time employee
Enhanced (1-5):2 Current / open credit lines: 15 / 12Length of status:6y 11m
Credit score: 660-679 (May-2010) Total credit lines: 48 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $39,247Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: healthy-peace5 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
purchase truck for lawn business
Purpose of loan:
I have owned a lawn care business now for approximately 7 years.? Currently I cut 16 lawns a week.? My truck is no longer in operation, therefore, I pull my trailer with the equipment using my car.? I would like to purchase a truck to pull the trailer.

My financial situation:
I am a good candidate for this loan because I have NEVER missed any payments on any of my loans.? My credit report would support this.

Monthly net income: $ 4180

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 459515
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 25.00% Starting borrower rate/APR: 26.00% / 28.32% Starting monthly payment: $201.45
 
Auction yield range: 16.99% - 25.00% Estimated loss impact: 26.44%  
Lender servicing fee: 1.00% Estimated return: -1.44%  
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: Apr-1999 Debt/Income ratio: Not calculated
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Part-time employee
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:0y 0m
Credit score: 640-659 (May-2010) Total credit lines: 38 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $10,699Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: san408jose 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
twenty-five
Purpose of loan:
This loan will be used to? living expenses while training at new job

My financial situation:
I am a good candidate for this loan because? equifax score of 698, transunion 686, only 1 30 day late pmt dec 2006

Monthly net income: $ 2500

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 300
??Car expenses: $ 100
??Utilities: $ 50
??Phone, cable, internet: $ 60
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459527
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,950.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 17.90% Starting borrower rate/APR: 18.90% / 21.12% Starting monthly payment: $71.38
 
Auction yield range: 7.99% - 17.90% Estimated loss impact: 6.91%  
Lender servicing fee: 1.00% Estimated return: 10.99%  
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-1992 Debt/Income ratio: 10%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:1y 11m
Credit score: 680-699 (May-2010) Total credit lines: 41 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $8,746Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 16    
Screen name: awesome-commitment2 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off high interest credit card
Purpose of loan:
This loan will be used to pay off a high interest credit card.

My financial situation:
I am a good candidate for this loan because I have completely rebuilt my financial life after the failure of a business venture I was involved with six years ago. I have not had one late payment or negative item posted to my credit report in the past five years and I am now a home owner with a very stable job with one of the largest hospital systems in Oregon. I would like to reduce the amount of interest I am paying every month so that I can continue to accelerate the payoff of my outstanding credit card debt. I will begin a part-time massage practice this summer which will provide me with an additional income of $400 to $500 a month (which is not included in the figures below). Thank you for your consideration and support.

Monthly net income: $ 2,600

Monthly expenses: $ 1,720
??Housing: $550
??Insurance: $50 for car insurance
??Car expenses: $50
??Utilities: $150
??Phone, cable, internet: $35
??Food, entertainment: $375
??Clothing, household expenses $150
??Credit cards and other loans: $325
??Other expenses: $35 (gym membership)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459531
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1996 Debt/Income ratio: 85%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 11 / 12Length of status:8y 7m
Credit score: 640-659 (May-2010) Total credit lines: 39 Occupation: Administrative Assi...
Now delinquent: 1 Revolving credit balance: $44,953Stated income:$25,000-$49,999
Amount delinquent: $1,074 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: abundant-fund 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
Payoff Payday Loans
Purpose of loan:
This loan will be used to? payoff all my payday loans and work on paying down my credit card debt.
My financial situation:
I am a good candidate for this loan because?I will not default. I am paying over $1000.00 per month in payday loans and getting no where. If I could get these paid off I would be able to start making larger payments to my credit cards and get them paid off. My goal is to keep moving toward financial freedom. Currently I am not able to get anywhere with the payday loans, I just have to keep refinancing (it's been my biggest mistake ever). This loan payment would be easy to make (and probably extra to principal so I could pay off quicker). My finance situation would improve tremendously for the better.

I take my obligations very seriously. I appreciate anyone taking the time to review my situation. If you have any questions, please let me know.

Also I am not past due the $1074 my mortgage company miss applied a payment. They said they would correct. My credit is still good, my debt/income ratio is too high. Getting this loan would help me improve that greatly. Thank you.

Monthly net income: $ 1998.44

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 459533
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.90% Starting borrower rate/APR: 19.90% / 22.14% Starting monthly payment: $74.23
 
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: Aug-1993 Debt/Income ratio: 11%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 4Length of status:1y 8m
Credit score: 660-679 (May-2010) Total credit lines: 51 Occupation: Other
Now delinquent: 0 Revolving credit balance: $197Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 46    
Screen name: stboerma 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 loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459535
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-2005 Debt/Income ratio: Not calculated
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 5Length of status:2y 4m
Credit score: 640-659 (May-2010) Total credit lines: 11 Occupation: Truck Driver
Now delinquent: 0 Revolving credit balance: $10,378Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: LATD 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: 1 / 1 On-time: 24 ( 100% ) 640-659 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
660-679 (Apr-2008)
 
Principal balance: $2,581.21 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
My personal loan
Purpose of loan:
This loan will be used to?purchase a trailer for my catering / bbq business

My financial situation:
I am a good candidate for this loan because? I have a excellent bill/payment history My credit cards have a high balance due to a broken ankle in may 2009.My doctor gave me six months off from work three to heal and three months of therapy.My unemployment at the time was 1620.00 per month.I still made all my bill payments on time.During this time i started this part-time business and it kept me afloat,as you can see i never missed a payment due date.If there are any questions please feel free to ask.

Monthly net income: $ employment 3800 per month

Monthly expenses: $
??Housing: $ 900
??Insurance: $ 80
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 500
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459539
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 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: 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-1984 Debt/Income ratio: 15%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 9 / 6Length of status:4y 10m
Credit score: 620-639 (May-2010) Total credit lines: 28 Occupation: Other
Now delinquent: 2 Revolving credit balance: $2,399Stated income:$50,000-$74,999
Amount delinquent: $408 Bankcard utilization: 41%  
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: 20 ( 95% ) 620-639 (Latest)
Principal borrowed: $2,000.00< 31 days late: 1 ( 5% )  
640-659 (Apr-2010)
540-559 (Jul-2008)
580-599 (Jun-2008)
560-579 (May-2008)
 
Principal balance: $1,100.94 31+ days late: 0 ( 0% )
Total payments billed: 21  
Description
pay off some 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.??A huge 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 459545
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.39% Starting borrower rate/APR: 26.39% / 28.72% Starting monthly payment: $121.50
 
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: Oct-1998 Debt/Income ratio: 11%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:9y 4m
Credit score: 660-679 (May-2010) Total credit lines: 7 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/ 2 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: sympathetic-repayment0 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
replacing 2 walls with mold problem
Purpose of loan:
This loan will be used to?? We have two walls in our house that keeps developing mold, so everytime i have to clean it with bleach.? Our 10 year old son has developed allergies and asthma and he was tested and is allergic to mold, so we need to replace the two walls to get rid of the mold for good.? We need to replace the two walls the mold grows on by tearing them down and putting in new ones, we just want our son to be healthy and our house be mold free for him and us.

My financial situation:
I am a good candidate for this loan because?? We have had financial problems unfortunately as many people have but we have shown that we can pay our bills on time.? I am a hard worker i go to work everyday and pay my bills on time and support my wife and son.? The two public records that show will be off my credit report as of October 2010 and i strive everyday to become a better person and continue to improve my credit.? If you give me a chance as you will see, every payment will be made on time every month with no problems.? Thank you
Monthly net income: $ 2500 my wife has a income of 1032.00 per month also

Monthly expenses: $
??Housing: $ 995.00
??Insurance: $ 80.00
??Car expenses: $ 306.00
??Utilities: $ 170.00
??Phone, cable, internet: $ 128.00
??Food, entertainment: $?350.00?
?Clothing, household expenses $
??Credit cards and other l?Other expenses: $ 133.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459547
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 12.85% Starting borrower rate/APR: 13.85% / 16.01% Starting monthly payment: $119.37
 
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: May-1998 Debt/Income ratio: 29%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 18 / 18Length of status:5y 3m
Credit score: 740-759 (May-2010) Total credit lines: 38 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $3,669Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 24%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: Meg63 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: 6 ( 100% ) 740-759 (Latest)
Principal borrowed: $3,100.00< 31 days late: 0 ( 0% )  
720-739 (Nov-2009)
 
Principal balance: $2,667.22 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459551
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,500.00 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: $429.74
 
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-1992 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: 14 / 14Length of status:3y 4m
Credit score: 620-639 (May-2010) Total credit lines: 26 Occupation: Other
Now delinquent: 7 Revolving credit balance: $3,014Stated income:$0
Amount delinquent: $3,267 Bankcard utilization: 20%  
Public records last 12m / 10y: 0/ 2 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: WZ3190 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: 20 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
620-639 (Aug-2008)
 
Principal balance: $481.16 31+ days late: 0 ( 0% )
Total payments billed: 20  
Description
investing in prosper
Purpose of loan:
This loan will be used to?invest in prosper. I would like to expand the number of notes I currently have.

My financial situation:
I am a good candidate for this loan because? As a current lender I know the value of timely payments
Monthly net income: $ 3204.25

Monthly expenses: $
??Housing: $ 950.00
??Insurance: $ 143.85
??Car expenses: $ 80
??Utilities: $ 130
??Phone, cable, internet: $ 95
??Food, entertainment: $ 100
??Clothing, household expenses $ 150
??Credit cards and other loans: $53
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459565
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.30% Starting borrower rate/APR: 9.30% / 9.64% Starting monthly payment: $319.40
 
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: Aug-1989 Debt/Income ratio: 2%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 10Length of status:8y 1m
Credit score: 860-879 (May-2010) Total credit lines: 34 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $53,840Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 44%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: green-thoughtful-yield 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 listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459569
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 11 / 10Length of status:4y 5m
Credit score: 720-739 (May-2010) Total credit lines: 22 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $28,616Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 51%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Graver 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
Debt Consolidation
I would like the loan to pay off my credit card debt. Prior to the credit card act being put into place, all of the interest rates on my credit cards were increased even though I have an excellent credit score. I have been paying more than the minimum every month, but it will take me years to pay them off at this rate. This month the credit limit on my Chase card was decreased for no reason which is even more frustrating. I am reluctant to get a personal loan to pay off my cards because my wife and I plan on buying a house in 2-3 years and I do not want a loan on my credit report.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459581
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.30% Starting borrower rate/APR: 8.30% / 8.64% Starting monthly payment: $125.90
 
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: Oct-1999 Debt/Income ratio: 15%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:4y 8m
Credit score: 820-839 (May-2010) Total credit lines: 16 Occupation: Other
Now delinquent: 0 Revolving credit balance: $4,414Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 21%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: serene0415 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 31 ( 100% ) 820-839 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
760-779 (Aug-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459583
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 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: Apr-2002 Debt/Income ratio: 53%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 18 / 15 Occupation: Sales - Commission
Credit score: 660-679 (May-2010) Total credit lines: 38Stated income:$50,000-$74,999
Now delinquent: 0 Revolving credit balance: $34,045 
Amount delinquent: $0 Bankcard utilization: 83%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: sweet-money8 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
Paying off my credit cards
Purpose of loan:
This loan will be used to? Consolidate credit card debt, pay off higher interest credit cards, and have one monthly payment.

My financial situation: I am in a good financial situation, I have worked for the same company for almost 11 years, my commission plan is excellent. I am already seeing an increase in my income over last year and continue to see my sales grow resulting in higher commissions/income. I don't have trouble paying my bills and have not for over 10 years. Always pay on time!
I am a good candidate for this loan because? I have not missed payments or been late on any payments for over 5 years. There is one late payment reflected on my credit report from May of 2005, it was a complete misunderstanding that I disputed but could not get removed from my credit report. Basically, my company relocated me to open another branch for them and I was forced to switch banks due to my former bank not having a convenient location in the town that I was transferred to. I didn't close the account with my old bank and maintained a $0 balance in my checking account. I had a line of credit with that bank that was attached to my checking account and when a fee was charged to my checking account that had a $0 balance the money was taken from my line of credit to cover the overdraft. Because I had moved I didn't find out about the situation until the payment was already 30 days late.

Monthly net income: $ $6000

Monthly expenses: $ $4500
??Housing: $ $2504
??Insurance: $ $150
??Car expenses: $0
??Utilities: $88
??Phone, cable, internet: $0
??Food, entertainment: $300
??Clothing, household expenses $200
??Credit cards and other loans: $998
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459587
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 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-2006 Debt/Income ratio: 25%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 5 / 5Length of status:3y 9m
Credit score: 700-719 (May-2010) Total credit lines: 7 Occupation: Other
Now delinquent: 0 Revolving credit balance: $878Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 21%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: helpmepaymydebt1 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 to pay off credit cards.
Purpose of loan:
This loan will be used to?
Pay off credit cards.
My financial situation:
I am a good candidate for this loan because?
Im dependable and i make good money.????????????????
Monthly net income: $
3,400
Monthly expenses: $
??Housing: $ 0
??Insurance: $?0??
? Car expenses 0?
??Utilities: $ 0
??Phone, cable, internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $ 0
??Credit cards and other loans: $ i owe 10,000 to credit cards
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459593
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 22.00% Starting borrower rate/APR: 23.00% / 25.28% Starting monthly payment: $193.55
 
Auction yield range: 10.99% - 22.00% Estimated loss impact: 10.53%  
Lender servicing fee: 1.00% Estimated return: 11.47%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2003 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: 10 / 10Length of status:1y 9m
Credit score: 640-659 (May-2010) Total credit lines: 25 Occupation: Student - College G...
Now delinquent: 0 Revolving credit balance: $14,399Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: burrito7 Borrower's state: Hawaii Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for Grad School
Purpose of loan:
This loan will be used to finance my final term of grad school, including living expenses as I will likely?not be able to work during the last term.? I will be graduating with a Masters of Education in Teaching.

My financial situation:
I am a good candidate for this loan because other than my final two terms of graduate school I have been consistently employed since 2004, and there are many teaching opportuntites available which I already qualify for.? I have already begun submitting applications for various teaching positions.

I have some money in reserve, but would like to be more fiancially secure this summer while completing my degree, as my ability to work will be limited.??However, I am currently seeking part time jobs.? I consistently make payments on time for all of my bills.

The majority of the 25 lines of credit are student Stafford Loans which have not been consolidated yet.? I do not qualify for Stafford Loans for my last term, which is why I am trying to secure a loan.
Monthly net income: $
My monthly net income was $2800, currently is dependant upon scholarships and loans, and will be $3500 once the school year starts again.
Monthly expenses: $
??Housing:?$300
??Insurance: $ 100
??Car expenses: $
??Utilities: $?125
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 800
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459595
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 33.30% Starting borrower rate/APR: 34.30% / 36.74% Starting monthly payment: $112.10
 
Auction yield range: 13.99% - 33.30% Estimated loss impact: 15.54%  
Lender servicing fee: 1.00% Estimated return: 17.76%  
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-1986 Debt/Income ratio: 11%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 4 / 4Length of status:12y 2m
Credit score: 640-659 (May-2010) Total credit lines: 9 Occupation: Other
Now delinquent: 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 8    
Screen name: point-confidant8 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 loan for an auto purchase
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459597
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.0%  
   
 
Starting lender yield: 23.55% Starting borrower rate/APR: 24.55% / 26.85% Starting monthly payment: $988.06
 
Auction yield range: 7.99% - 23.55% Estimated loss impact: 7.56%  
Lender servicing fee: 1.00% Estimated return: 15.99%  
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: 22%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:5y 0m
Credit score: 780-799 (May-2010) Total credit lines: 16 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $14,232Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 27%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: versatile-bazaar3 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 loan for home improvement
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459599
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1993 Debt/Income ratio: 15%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 22 / 19Length of status:1y 10m
Credit score: 700-719 (May-2010) Total credit lines: 29 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $34,094Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 60%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: penny-journey 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% ) 700-719 (Latest)
Principal borrowed: $4,900.00< 31 days late: 0 ( 0% )  
720-739 (Oct-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 0  
Description
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459603
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1995 Debt/Income ratio: 19%
Basic (1-10): 4 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 6 / 5Length of status:12y 8m
Credit score: 660-679 (May-2010) Total credit lines: 17 Occupation: Police Officer/Corr...
Now delinquent: 0 Revolving credit balance: $5,268Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 6    
Screen name: payment-pagoda 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
Credit Cards
Purpose of loan:
This loan will be used to?
Pay off a couple of bills. (consolidate)
My financial situation:
I am a good candidate for this loan because
I have good credit and have been at my job for almost 13yrs.?I filed for bankruptcy 10 years ago when I was 18 yrs. old as a result of co-signing for my older brother to buy a home. I?have since been very responsible.

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 0????????
??Insurance: $ 75
??Car expenses: $ 447
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 500
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459605
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
 
Auction yield range: 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-1983 Debt/Income ratio: 158%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 18 / 18Length of status:23y 8m
Credit score: 660-679 (May-2010) Total credit lines: 56 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $30,030Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Jerseycake 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: 23 ( 96% ) 660-679 (Latest)
Principal borrowed: $1,500.00< 31 days late: 1 ( 4% )  
640-659 (Apr-2008)
620-639 (Feb-2008)
600-619 (Jan-2008)
540-559 (Dec-2007)
 
Principal balance: $605.45 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
Good Payer Needs a Little More
Purpose of loan:
This loan will be used to?
Invest in a trip out of state for a wedding.

My financial situation:
I am a good candidate for this loan because?
I have a great income and good paying history w/ Prosper. My husband's income is added to mine and we always pay on time. I just need a little extra 'cash' to make this trip in order to see a family member who is ill and will be attending this function. I don't want to get off course of paying bills etc. by dipping into monthly income.

Monthly net income: $
$5800.00
Monthly expenses: $
??Housing: $ 850.00
??Insurance: $ 275.00
??Car expenses: $ 400.00
??Utilities: $ 300.00
??Phone, cable, internet: $ 140.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 400.00
??Credit cards and other loans: $ 400.00
??Other expenses: $ 150.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459607
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,300.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $104.04
 
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-1978 Debt/Income ratio: 25%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 5 / 5Length of status:13y 10m
Credit score: 720-739 (May-2010) Total credit lines: 42 Occupation: Teacher
Now delinquent: 4 Revolving credit balance: $567Stated income:$25,000-$49,999
Amount delinquent: $2,047 Bankcard utilization: 27%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: point-zeus Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need a Roof Job
Purpose of loan:
This loan will be used to? replace existing roof shingles.

My financial situation:
I am a good candidate for this loan because?I have paid all my debts on time and if their are any delinquents it is because they have not been removed after my divorce.?

Monthly net income: $ 3200

Monthly expenses: $
??Housing: $ 485
??Insurance: $ 54
??Car expenses: $250
??Utilities: $ 120
??Phone, cable, internet: $ 77
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 75
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459609
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $131.18
 
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: Jun-1992 Debt/Income ratio: 43%
Basic (1-10): 1 Inquiries last 6m: 2Employment status:Retired
Enhanced (1-5):1 Current / open credit lines: 2 / 2Length of status:8y 4m
Credit score: 660-679 (May-2010) Total credit lines: 29Stated income:$25,000-$49,999
Now delinquent: 3 Revolving credit balance: $0 
Amount delinquent: $2,771 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 6    
Screen name: DebtConsolidationandremoval Borrower's state: Tennessee 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
Payoff Title loan and make repairs
Purpose of loan:
This loan will be used to payoff title loan I got to bury my Mother this past January,?catch up on?maintenance and repairs I put off while taking care of her during her cancer, re-establish credit, which I am improving my file.? Some inaccuracies still exist and I am working to remove them.? The student loans should be never late, GMAC is a case all by itself, and the three small chargeoffs are not mine.? The collection item is not mine it belongs to a business we had over ten years ago and should be removed.

My financial situation:
I am a good candidate for this loan because, I have good income with my wifes combined, and our number one goal is to keep our credit clean even if it means a personal sacrifice or two for a little while.

Monthly net income: $ 4100

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 50
??Car expenses: $ 150
??Utilities: $ 75
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 275
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459615
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 13.00% Starting borrower rate/APR: 14.00% / 16.16% Starting monthly payment: $256.33
 
Auction yield range: 3.99% - 13.00% Estimated loss impact: 2.15%  
Lender servicing fee: 1.00% Estimated return: 10.85%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1988 Debt/Income ratio: 29%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 14 / 14Length of status:4y 4m
Credit score: 720-739 (May-2010) Total credit lines: 45 Occupation: Tradesman - Electri...
Now delinquent: 0 Revolving credit balance: $78,619Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 84%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: willinvest Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 18 ( 100% ) 720-739 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
720-739 (Apr-2010)
760-779 (Jun-2008)
760-779 (Oct-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 18  
Description
PAY OFF CREDIT CARD DEBT
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459625
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $384.51
 
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-2000 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 2 / 1Length of status:2y 9m
Credit score: 720-739 (May-2010) Total credit lines: 3 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: 412grill 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
Infusion of Cash for Summer Season
Purpose of loan:
My Season Runs memorial day to labor day " Need cash for Inventory ,additional employees, and marketing" We have a liquor liscence and Grill.

My financial situation:
I am a good candidate for this loan because? The Profit Margins are High for example 350 people show up for a bikini contest "They pay a 10.00 Cover charge just to enter the building. Thats 3500.00 on a Sat night.

Monthly net income: $ Varies 2,000 Gaurantee 405 Net week "Commission based on revenue. 100%? I can get loan from merchant processor but pay 2000.00 fee to get advance on 20% hold on credit card transactions That will screw my cash flow up.

Monthly expenses: $
??Housing:?Paid Off?????????????
??Insurance: $ 350.00 (Health Life and Vehicle )
??Car expenses: $ 0.00 Paid?Off
??Utilities: $?150.00
??Phone, cable, internet: $?Job Supplies
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $ 0.00
??Other expenses: $ 1675.00 Three river front lots 75by 50 few years. 15yr note 170k
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459627
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.07% Starting borrower rate/APR: 20.07% / 23.86% Starting monthly payment: $37.20
 
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: Sep-2004 Debt/Income ratio: Not calculated
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Not employed
Enhanced (1-5):5 Current / open credit lines: 6 / 5Length of status:0y 4m
Credit score: 660-679 (May-2010) Total credit lines: 14Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $1,990 
Amount delinquent: $0 Bankcard utilization: 23%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 15    
Screen name: sankapilat Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 10 ( 83% ) 660-679 (Latest)
Principal borrowed: $3,500.00< 31 days late: 2 ( 17% )  
640-659 (Mar-2010)
600-619 (Jul-2009)
660-679 (Apr-2008)
640-659 (Feb-2008)
 
Principal balance: $0.25 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
property closing costs
Purpose of loan:
pay the closing costs on a property purchase?

My financial situation:
Altho Im not employed i am reciving unemployment and disability from the VA

Income:
45p per week from unemployment and 375 per month from the VA





??Utilities: $ 0
?Phone, cable, internet: $ 130
foodt: $ 300
rent $0
cards and other loans: $ 110 on a navy federal loan

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459629
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
 
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-1984 Debt/Income ratio: 20%
Basic (1-10): 4 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 18 / 16Length of status:15y 8m
Credit score: 640-659 (May-2010) Total credit lines: 48 Occupation: Sales - Commission
Now delinquent: 1 Revolving credit balance: $30,094Stated income:$100,000+
Amount delinquent: $496 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: vitzmidd 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
Loan against commission Check
Purpose of loan:
This loan will be used to?pay ordinary household bills.? My employer switched from a montly commission payout to a quarterly one.? I was not prepared for the change and just need to borrow against my commission check that will be paid at the end of July.??

.?

Monthly net income: $ salary alone is $ 6400.00,? I have earned $12,000 in commission so far this year,? expect to earn another $12-18,000 in July payout.

I am?steadily employed?and support a family of 5.? Since my debt on my credit cards is high, borrowing from more conventional avenues does not work for me.?? I have been making over $100,000 for more than 10 years now.? ?

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459631
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $108.46
 
Auction yield range: 7.99% - 17.00% Estimated loss impact: 6.89%  
Lender servicing fee: 1.00% Estimated return: 10.11%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1993 Debt/Income ratio: 8%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 12Length of status:2y 2m
Credit score: 660-679 (May-2010) Total credit lines: 16 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $13,904Stated income:$100,000+
Amount delinquent: $20 Bankcard utilization: 63%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: trustworthy-peso5 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
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459633
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,100.00 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: $95.00
 
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: Dec-2006 Debt/Income ratio: Not calculated
Basic (1-10): 4 Inquiries last 6m: 3Employment status:Not employed
Enhanced (1-5):1 Current / open credit lines: 1 / 1Length of status:0y 5m
Credit score: 660-679 (May-2010) Total credit lines: 2Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $0 
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: felicity-blossom Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Tuition Payment
Purpose of loan:
This loan will be used to pay for a semester of college.

My financial situation:
I am a good candidate for this loan because I have just recently recieved part time work and wil be recieving income regularly, but need to have a large lump sum to pay for the upcoming school semester.

Monthly net income: 800 to 1000?$

Monthly expenses: $
??Housing:0 $
??Insurance:120 $
??Car expenses: 150$
??Utilities: 30$
??Phone, cable, internet:0 $
??Food, entertainment: 50$
??Clothing, household expenses 20$
??Credit cards and other loans: 25$
??Other expenses:50 $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459645
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 6.75% Starting borrower rate/APR: 7.75% / 8.09% Starting monthly payment: $312.21
 
Auction yield range: 2.99% - 6.75% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.25%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1992 Debt/Income ratio: 20%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:2y 2m
Credit score: 800-819 (May-2010) Total credit lines: 24 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $11,556Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 39%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: intelligent-economy5 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
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459647
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $357.84
 
Auction yield range: 16.99% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1980 Debt/Income ratio: 23%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 8Length of status:22y 9m
Credit score: 640-659 (May-2010) Total credit lines: 25 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $9,494Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: flybyday 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 / 2 On-time: 61 ( 98% ) 640-659 (Latest)
Principal borrowed: $14,000.00< 31 days late: 1 ( 2% )  
600-619 (Jan-2008)
580-599 (May-2006)
 
Principal balance: $2,307.74 31+ days late: 0 ( 0% )
Total payments billed: 62  
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate debt and support family priorities.

My financial situation:
I am a good candidate for this loan because I have paid off one loan with prosper already. I believe in paying my debt and have proven my ability through consistent on time payments. Due to the economy and various interest debts, I would prefer to consolidate my debt and have 1 or 2 monthly payments as opposed to multiple payments.

I have proven and shown the prosper community that I am capable and dedicated to making members interest on their investments.

Monthly net income: $ 78,000.00 plus over 150,000.00 including my wife's income.

Monthly expenses: $
??Housing: $ 835.00
??Insurance: $ 158.00
??Car expenses: $ 418.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 100.00?
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $ 200.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459655
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 33.29% Starting borrower rate/APR: 34.29% / 36.73% Starting monthly payment: $134.51
 
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: Feb-2002 Debt/Income ratio: 32%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 7Length of status:0y 0m
Credit score: 660-679 (May-2010) Total credit lines: 23 Occupation: Computer Programmer
Now delinquent: 2 Revolving credit balance: $22,638Stated income:$25,000-$49,999
Amount delinquent: $239 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: clabbs21 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 24 ( 100% ) 660-679 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
640-659 (May-2008)
 
Principal balance: $2,212.68 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
Consolidation
Purpose of loan:
This loan will be used to? pay off existing Prosper loan and another credit card that I have. I am trying to get back on my feet after a rough year in 2009. I absolutely love everything Prosper stands for and would rather pay into a loan from them than my other credit card. This is why I want to consolidate.

My financial situation:
I am a good candidate for this loan because? I am a responsible person who always pays my bills; I never bite off more than I can chew. I have never been late, even once, when paying my current Prosper loan. I work 2 jobs and am more than capable to make my payments towards this loan with ease.

Monthly net income: $3,500

Monthly expenses: $1730
??Housing: $900
??Insurance: $50
??Car expenses: $
??Utilities: $80?
??Phone, cable, internet: $
??Food, entertainment: $200
??Clothing, household expenses $
??Credit cards and other loans: $500
??Other expenses: $


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459663
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,200.00 Prosper Rating: 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: $129.36
 
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: Dec-1999 Debt/Income ratio: 3%
Basic (1-10): 8 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 2Length of status:4y 1m
Credit score: 640-659 (May-2010) Total credit lines: 10 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $255Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 9%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: repayment-mongoose4 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
My personal loan
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459665
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jun-1993 Debt/Income ratio: 26%
Basic (1-10): 2 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 8 / 8Length of status:21y 4m
Credit score: 680-699 (May-2010) Total credit lines: 32 Occupation: Other
Now delinquent: 0 Revolving credit balance: $78,741Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 100%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: penny-mechanic8 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying of my credit cards
Purpose of loan:
This loan will be used to?pay off credit cards

My financial situation:is okay now, but I want to refinance my house too.
I am a good candidate for this loan because?I have never been late on my mortgage and always follow through with paying even if late

Monthly net income: $ 5,648

Monthly expenses: $ $4,500
??Housing: $3200
??Insurance: $100
??Car expenses: $900 (husband pays
??Utilities: $husband pays
??Phone, cable, internet: $husband pays
??Food, entertainment: $200
??Clothing, household expenses $$400
??Credit cards and other loans: $400
??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459667
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1996 Debt/Income ratio: 19%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:12y 7m
Credit score: 660-679 (May-2010) Total credit lines: 15 Occupation: Postal Service
Now delinquent: 0 Revolving credit balance: $3,788Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 107%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 6    
Screen name: openness-conga 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
Updating pool fixing girfriends car
Purpose of loan:
This loan will be used to?
UPdate pool and fix my girfriends car
My financial situation:
I am a good candidate for this loan because?
i am bringing home 1700 every 2 weeks and need to update my pool in the foreclosed house i bought and am waiting on my new home owners tax credit to come back ???? ????
Monthly net income: $
5500 ???? ????
Monthly expenses: $
??Housing: $ 800
??Insurance: $ 120
??Car expenses: $
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 75
??Clothing, household expenses $
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459673
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.10% Starting borrower rate/APR: 7.10% / 7.44% Starting monthly payment: $77.31
 
Auction yield range: 2.99% - 6.10% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.50%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1994 Debt/Income ratio: 6%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 15 / 14Length of status:13y 1m
Credit score: 840-859 (May-2010) Total credit lines: 37 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $3,312Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 6%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: enriched-euro8 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 debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459675
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $198.80
 
Auction yield range: 13.99% - 24.00% Estimated loss impact: 15.78%  
Lender servicing fee: 1.00% Estimated return: 8.22%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1996 Debt/Income ratio: 24%
Basic (1-10): 8 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 8Length of status:10y 5m
Credit score: 620-639 (May-2010) Total credit lines: 27 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $24,348Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 54%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: camaraderi-strawberry 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: 9 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
660-679 (Aug-2009)
 
Principal balance: $1,595.16 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Cleaning Up Loose Ends
Purpose of loan:
This loan will be used to pay off some high-interest debts.

My financial situation:
I am a good candidate for this loan because I have been employed at the same?firm for more than 10 years and have never been late on a bill payment.

Monthly net income: $ 2800

Monthly expenses: $ 2200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459677
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 33.00% Starting borrower rate/APR: 34.00% / 38.13% Starting monthly payment: $44.67
 
Auction yield range: 7.99% - 33.00% Estimated loss impact: 7.30%  
Lender servicing fee: 1.00% Estimated return: 25.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1993 Debt/Income ratio: 53%
Basic (1-10): 10 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 18 / 17Length of status:9y 7m
Credit score: 680-699 (May-2010) Total credit lines: 30 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $30,763Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 77%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: hopheadmike Borrower's state: California 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
660-679 (Jul-2009)
640-659 (Mar-2008)
 
Principal balance: $1,424.95 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
ready to invest
Purpose of loan:
to reinvest in prosper

My financial situation:
I am a good candidate for this loan because? I want to build my investments in prosper and take my debts very seriously. I have used just under $3,000 dollars to invest in prosper so far havent made alot of money just been breaking even but looking forward to trying to get some better investments.

Monthly net income: $ 2000????????

Monthly expenses: $
??Housing: $ 800
??Insurance: $
??Car expenses: $ 50
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 240
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459679
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.25% Starting borrower rate/APR: 26.25% / 28.57% Starting monthly payment: $161.70
 
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: Nov-1993 Debt/Income ratio: 11%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 4 / 4Length of status:12y 2m
Credit score: 640-659 (May-2010) Total credit lines: 19 Occupation: Tradesman - Carpent...
Now delinquent: 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 6    
Screen name: bigbulls1 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: 26 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
640-659 (Jan-2008)
 
Principal balance: $1,055.41 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
My personal loan
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459691
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $557.45
 
Auction yield range: 16.99% - 19.00% Estimated loss impact: 35.56%  
Lender servicing fee: 1.00% Estimated return: -16.56%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1994 Debt/Income ratio: 24%
Basic (1-10): 1 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 3 / 4Length of status:20y 4m
Credit score: 640-659 (May-2010) Total credit lines: 27 Occupation: Professional
Now delinquent: 5 Revolving credit balance: $9,648Stated income:$75,000-$99,999
Amount delinquent: $24,370 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 18    
Screen name: riekena79 Borrower's state: Montana Borrower's group: AA-C Rated Borrowers
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 29 ( 94% ) 640-659 (Latest)
Principal borrowed: $6,000.00< 31 days late: 2 ( 6% )  
640-659 (Sep-2007)
660-679 (Jul-2007)
680-699 (Jun-2007)
 
Principal balance: $728.13 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
Ret USMC needs Car - 2nd Prosp Loan
Purpose of loan:
This loan will be used to purchase a vehicle?for travel to and from work.?My last vehicle, I had for ten years. ?

My financial situation:
I am a good candidate for this loan because I have a solid employment history and have worked my entire life.?Since our medical issues in 2007, we have paid off the majority of our debt and all medical expenses which took three years, but we were able to do it. Now, we are concentrating on the final 5 credit cards of which two?should be paid off this year.

Monthly net income: $ 85000

Monthly expenses: $
??Housing: $ 600
??Insurance: $?200
??Car expenses: $ 500
??Utilities: $ 200
??Phone, cable, internet: $?200
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 750
??Other expenses: $ 216 prosper loan
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459693
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1998 Debt/Income ratio: 38%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 10Length of status:20y 4m
Credit score: 680-699 (May-2010) Total credit lines: 30 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $10,829Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: friendly-dinero4 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement Loan
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 459695
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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.? I will have no trouble making the monthly Prosper payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459697
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,800.00 Prosper Rating: 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: $171.90
 
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-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 5 / 3Length of status:3y 6m
Credit score: 660-679 (May-2010) Total credit lines: 12 Occupation: Postal Service
Now delinquent: 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Chervonda 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: 0 / 1 On-time: 34 ( 97% ) 660-679 (Latest)
Principal borrowed: $4,600.00< 31 days late: 1 ( 3% )  
660-679 (Mar-2010)
540-559 (Oct-2006)
 
Principal balance: $0.04 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
I'm trying to purchase a engine.
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 459701
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1991 Debt/Income ratio: 14%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 4Length of status:3y 5m
Credit score: 720-739 (May-2010) Total credit lines: 27 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $15,240Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 86%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: liveright67 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
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459715
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,300.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 16.99% Starting borrower rate/APR: 17.99% / 20.20% Starting monthly payment: $372.32
 
Auction yield range: 16.99% - 16.99% Estimated loss impact: 35.44%  
Lender servicing fee: 1.00% Estimated return: -18.45%  
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-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 3 / 2Length of status:5y 0m
Credit score: 660-679 (May-2010) Total credit lines: 18 Occupation: Sales - Commission
Now delinquent: 3 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $12,695 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 21    
Screen name: tender-gold587 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
Marketing, Inventory for Classes
Purpose of loan:
This loan will be used to fund marketing expenses (advertising, mailouts, promotion campaigns, client lists, and inventory).

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459717
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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
Getting behind is a nightmare!
Purpose of loan:
I am an army spouse.? I lost my job due to following my husband to his new duty station.? It has been hard on us since we had to decrease to one income.? We got behind on some bills and it has been so hard to caught up.? I am finally working again, but every check is not enough to stop the calls.? I really would like to pay them off and start fresh.? I feel punished for having to follow my soldier, but I could never express that to him, because he works so hard to defend our wonderful country.? I hope that someone will find it in their heart to help?me out.?

My financial situation:
I am a good candidate for this loan because?I am a hard worker and deserve the break.? I am now working again, and hope to be able to enjoy one of my paychecks sooner than later.? Thanks for reading.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459719
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 1 / 1Length of status:3y 9m
Credit score: 720-739 (May-2010) Total credit lines: 10 Occupation: Car Dealer
Now delinquent: 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: FirstLending Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off a small credit card balance
Purpose of loan:
This loan will be used to pay off a small credit card balance. I would rather pay people from Prosper then the credit card companies.

My financial situation:
I am a good candidate for this loan because I have good cash flow with my business and I presently don't have any monies delinquent. Also, my living expenses are quite low as well as I own a small garage that is free and clear that I rent the two extra bays for $1200.00 per month.

Monthly net income: $3800.00

Monthly expenses: $
??Housing: $800.00
??Insurance: $500
??Car expenses: $none I own my own garage and all my cars are paid for
??Utilities: $150.00
??Phone, cable, internet: $120.00
??Food, entertainment: $400.00
??Clothing, household expenses $150.00
??Credit cards and other loans: $185.00
??Other expenses: $50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459723
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1999 Debt/Income ratio: 47%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 8Length of status:5y 4m
Credit score: 660-679 (May-2010) Total credit lines: 16 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $8,608Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: deal-goose2 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 credit cards
Purpose of loan:
This loan will be used to consolidate my credit cards.

My financial situation:
I am a good candidate for this loan because I have a steady job as an educator.?

Monthly net income: $ 2200.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 126.50
??Car expenses: $ 576.84
??Utilities: $ 0
??Phone, cable, internet: $0
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 80.00
??Credit cards and other loans: $ 400.00
??Other expenses: $ 412.00(daycare)

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459729
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $16,000.00 Prosper Rating: 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: $723.78
 
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-1997 Debt/Income ratio: 92%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 26 / 25Length of status:12y 4m
Credit score: 640-659 (May-2010) Total credit lines: 39 Occupation: Realtor
Now delinquent: 0 Revolving credit balance: $34,442Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: brianbuyshomes Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 100% ) 640-659 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
640-659 (Aug-2009)
640-659 (May-2009)
640-659 (Jan-2008)
 
Principal balance: $2,484.80 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
to by a renal house
Purpose of loan:
This loan will be used to? to buy my 15th renal house and pay off some credit cards i have used to fix my other rent houses i have ANOUTHER prosper loan and have never been late

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

Monthly net income: $ 50000

Monthly expenses: $
??Housing: $ 200
??Insurance: $ 100
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1000
??Other expenses: $ 345
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459731
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 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: Apr-2002 Debt/Income ratio: 31%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 13Length of status:4y 5m
Credit score: 660-679 (May-2010) Total credit lines: 21 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $17,714Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 89%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: community-marauder Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating Debt, Getting Married
Purpose of loan:
This loan will be used to? Pay off and consolidate my credit cards.? I have been in graduate school the last 2 years and recently graduated in December to become a Nurse Practitioner with a focus on Pediatric care..? I had to put my ?tuition, etc on my credit cards and need to consolidate the debt so I can pay it off faster.? I am also getting married this year, so there have been added expenses that necessitated the need for additional credit usage.

My financial situation:
I am a good candidate for this loan because?my income will be increasing as soon as I get a job as a practitioner.? I have worked for Children's Hospital for almost 5 years and foresee a long future there as I have chosen to stay on with them until they have a practitioner job open up.? ?

Monthly net income: $ 4073.33

Monthly expenses: $
??Housing: $ 1200.00
??Insurance: $ 60
??Car expenses: $?
??Utilities: $ 120
??Phone, cable, internet: $ 100
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459735
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 23.00% Starting borrower rate/APR: 24.00% / 26.29% Starting monthly payment: $117.70
 
Auction yield range: 16.99% - 23.00% Estimated loss impact: 19.32%  
Lender servicing fee: 1.00% Estimated return: 3.68%  
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: Dec-1996 Debt/Income ratio: 13%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 3 / 2Length of status:9y 1m
Credit score: 640-659 (May-2010) Total credit lines: 8 Occupation: Other
Now delinquent: 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $6,003 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: startingover78 Borrower's state: Washington Borrower's group: P2P Financial
Credit and homeownership information was obtained 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: $3,000.00< 31 days late: 0 ( 0% )  
560-579 (Jan-2007)
540-559 (Nov-2006)
540-559 (Oct-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Buying bigger car for our family
Purpose of loan:
This loan will be used to purchase a larger vehicle for our family. We will be hosting an exchange student this year and will need more room.

My financial situation:
Thank you for taking the time to view my listing. I am a good candidate for this loan because I have steady employment and a desire to fulfill my monetary obligations. I just finished paying off my last credit cards and no longer have any. My budget will allow for this $117 per month loan with room to spare. I have also had a similar loan with Prosper in the past and as you can see I had no late payments or any other issues. I believe you will find this loan a good investment to add to your portfolio. If you need any additional information please feel free to contact me. Thank you for considering this request.

Monthly net income: $3200

Monthly expenses: $2867 including this listing
??Housing: $ 885
??Insurance: $ 155
??Car expenses: $ 200
??Utilities: $ 160
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ Car $350, Truck pay off $100, Pending Prosper Loan $117
??Other expenses: $ Savings $150, Tithe $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459739
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-2005 Debt/Income ratio: 35%
Basic (1-10): 1 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 6Length of status:6y 2m
Credit score: 740-759 (May-2010) Total credit lines: 14 Occupation: Other
Now delinquent: 0 Revolving credit balance: $404Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: refined-duty0 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
purchase real estate 50% of value
Purpose of loan:
This loan will be used to?
purchase real estate 50% of value.????
My financial situation:
I am a good candidate for this loan because?
the real estate?will be the collateral to repay this loan back at the time of refinance.
Monthly net income: $
5,000.00
Monthly expenses: $ 2,000.00
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459743
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.30% Starting borrower rate/APR: 8.30% / 8.64% Starting monthly payment: $157.37
 
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: Mar-1991 Debt/Income ratio: 20%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:6y 2m
Credit score: 800-819 (May-2010) Total credit lines: 33 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $4,580Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 45%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: emilyiangroup Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 100% ) 800-819 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
800-819 (Jul-2008)
 
Principal balance: $2,054.84 31+ days late: 0 ( 0% )
Total payments billed: 22  
Description
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459747
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,100.00 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: $77.94
 
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: Oct-2007 Debt/Income ratio: 15%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 4 / 4Length of status:3y 11m
Credit score: 660-679 (May-2010) Total credit lines: 8 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $2,901Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 43%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: porsche_89 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 12 ( 100% ) 660-679 (Latest)
Principal borrowed: $6,675.00< 31 days late: 0 ( 0% )  
680-699 (Aug-2009)
620-639 (Feb-2008)
 
Principal balance: $2,380.35 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
My personal loan for my education
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459749
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $22,000.00 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: $795.24
 
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: Oct-1997 Debt/Income ratio: 32%
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 11Length of status:3y 11m
Credit score: 740-759 (May-2010) Total credit lines: 41 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $23,494Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 36%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: sage0 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
Purpose of loan:
Consolidate High Interest Credit Cards into One Monthly Payment so I can pay them off faster????????

My financial situation:
I am a good candidate for this loan because I have a very stable good paying job and I am always on time with all my payments????????????

Monthly net income: $ 6200

Monthly expenses: $
??Housing: $ 1400????
??Insurance: $ 160
??Car expenses: $?59.00
??Utilities: $?200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 1400
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459753
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,000.00 Prosper Rating: 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: $407.12
 
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-2007 Debt/Income ratio: 21%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 4 / 3Length of status:1y 11m
Credit score: 640-659 (May-2010) Total credit lines: 4 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $5,620Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 78%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: loyalty-point3 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 work related materials
Purpose of loan:
This loan will be used to?
Pay for all the equipment and vehicle I was required to purchase in order to start my job as a Dish Network Service Technician.
My financial situation:
I am a good candidate for this loan because?
I do not miss payments, but having so many different bills to pay is getting harder to keep up with. I know that I would have no problem getting this payed off if I could get it all on one loan.
Monthly net income:
Averages around 3,000 per month, it is a little slower in the winter but my 2 week checks are still above 1,000
Monthly expenses: $
??Housing: $ 0 Living?back at home until?I?can get this debt sorted out.
??Insurance: $ 182.52 Per Month???
??Car expenses: $ The payment is 215 per month and about 100?per week in gas
??Utilities: $ No utilities payments
??Phone, cable, internet: $ None
??Food, entertainment: $ Living?at home?I'm not required to pay for much but?I?would say?I spend about $100 every two weeks to help out with groceries.
??Clothing, household expenses $ None
??Credit cards and other loans: $ Added up including the vehicle my minimums come to?$602 and I am keeping up with that?so far.? If?I were to get this loan I would be able to pay off all of those added into that total.
??Other expenses: $ All included above
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459759
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.49% Starting borrower rate/APR: 8.49% / 8.83% Starting monthly payment: $31.56
 
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: Mar-1968 Debt/Income ratio: 3%
Basic (1-10): 9 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 7 / 7Length of status:9y 4m
Credit score: 800-819 (May-2010) Total credit lines: 21 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: Yes  
Delinquencies in last 7y: 0    
Screen name: agreement-sensation 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 medical bills
Purpose of loan:
i will be using this loan to finish paying off medical bills from my husband's recent illness.

My financial situation:
I am a good candidate for this loan because I always pay my debts in a timely manner and have nothing outstanding.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459761
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1990 Debt/Income ratio: 58%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 5Length of status:9y 3m
Credit score: 780-799 (May-2010) Total credit lines: 26 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $1,617Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 14%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: growing-sales2 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Refinancing Successful Business
Purpose of loan:
This loan will be used to refinancing credit card debt incurred during the business start up of Impulse Creations. The business has been profitable for several years but interest on credit cards is limiting growth.

My financial situation:
I am a good candidate for this loan because I pay both all business and personal debts on time with no exceptions. I have no late payments of any kind. This business debt on personal cards gives me a high debt to income ratio but the debt is actually a business expense and is paid for with business funds which are far more than sufficient since the business is consistently profitable with sales growing each year. Once business debt on personal cards is removed from the equation, the debt to income ratio is excellent and would greatly improve the Prosper rating.

I have no problem meeting current or future obligations and take those obligations seriously. Creditors and my customers come first before anything else. In addition, this loan will not incur any new debt since it will be used exclusively to pay off old debt.

Monthly net income: $ 4335.00

Monthly expenses: $ 2375.00

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459763
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,350.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.10% Starting borrower rate/APR: 7.10% / 7.44% Starting monthly payment: $41.75
 
Auction yield range: 2.99% - 6.10% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.50%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1974 Debt/Income ratio: 10%
Basic (1-10): 10 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 14 / 12Length of status:23y 11m
Credit score: 740-759 (May-2010) Total credit lines: 38 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $329Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: MsTabbyKats 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 / 2 On-time: 13 ( 93% ) 740-759 (Latest)
Principal borrowed: $5,100.00< 31 days late: 1 ( 7% )  
740-759 (Dec-2009)
740-759 (Aug-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
Cashing Out!

My Prosper account value is $1350.? As in my previous loan, it's just easier to get a lump sum...and pay off the lenders as I accumulate cash from the loans I've funded. Payment History:
Loan 1....14 billed payments?? The one "less than 15 days late" had to do with a Prosper error, which I had them immediately correct.
Loan 2....I made a monthly payment as soon as I had enough accumulated cash in my account.? This took about 5 months (1/10-5/10). I was always "ahead of schedule" so I was never actually billed for any payments. I intend to do the same for this loan...but since many of my loans were paid off, it should take a longer time for me to pay you back.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459767
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 27.39% Starting borrower rate/APR: 28.39% / 30.74% Starting monthly payment: $498.89
 
Auction yield range: 10.99% - 27.39% Estimated loss impact: 10.68%  
Lender servicing fee: 1.00% Estimated return: 16.71%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1999 Debt/Income ratio: 17%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:4y 9m
Credit score: 720-739 (May-2010) Total credit lines: 30 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $18,677Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 70%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: cp-family Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards!
Purpose of loan:
This loan is for debt consolidation and will be used to payoff high interest credit cards.? Right now, I have?4 credit cards that I would like to payoff with this loan.

My financial situation:
I have had a secure job with a fortune 500 IT company for the last 5 years, and have been in the IT industry for over 12 years.
Here are the five credit cards I pay monthly.
Card #1: $125
Card #2: $100
Card #3: $325
Card #4: $150
Total:$700/month

Cash Flow (monthly):
Income is: $7250 gross / $6053 after-tax
Expenses are:
$1258 ? Mortgage
$825?? ? Credit Cards
$1000 ? Food
$200?? ? Utilities
$80???? ? Insurance
$150?? ? Hospital Bills/Etc
$60?????? Gas.
$3373 ? Total Expenses

I have been investing with Prosper as a lender since December of 2007.
Thank you for your time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459771
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1991 Debt/Income ratio: 10%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:3y 8m
Credit score: 680-699 (May-2010) Total credit lines: 30 Occupation: Construction
Now delinquent: 2 Revolving credit balance: $1,244Stated income:$50,000-$74,999
Amount delinquent: $223 Bankcard utilization: 5%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 19    
Screen name: asset-chestnut 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 personal loan for my business
I am applying for this loan to help me advertise my internet marketing business online without having to take away from my family budget.? I have a good job that pays well but I work out of town a lot and would like to work for myself in the next 5 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459779
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $159.04
 
Auction yield range: 16.99% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-2007 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 3Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 6 / 6Length of status:4y 3m
Credit score: 680-699 (May-2010) Total credit lines: 6 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,370Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 54%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: vigilance-arrow 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
Business loan
Purpose of loan:
This loan will be used to expand current business.

My financial situation:
I am a good candidate for this loan because my husband and i have been in business for over 4 years with positive results. We own a commercial cleaning franchise and we are now looking to expand. All of our customers have signed 2 -year service contracts. 80 % of them have been with us from the very beginning.

Monthly net income: $ 5200.00?

Monthly expenses: $
??Housing: $?800.00
??Insurance: $ 50.00
??Car expenses: $
??Utilities: $ 150.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $
??Credit cards and other loans: $ 60.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459783
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $271.14
 
Auction yield range: 16.99% - 17.00% Estimated loss impact: 35.44%  
Lender servicing fee: 1.00% Estimated return: -18.44%  
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: Feb-2002 Debt/Income ratio: Not calculated
Basic (1-10): 1 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 11 / 11Length of status:0y 6m
Credit score: 640-659 (May-2010) Total credit lines: 21 Occupation: Other
Now delinquent: 0 Revolving credit balance: $10,646Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: blue-fantastic-platinum Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
????The purpose of this loan is to pay off some of my credit card debts. Most of these debts accumulated in college and I have not used the cards much since school, but the balance just never goes away on revolving debt. I have a great girlfirend and I have been with her for about 2 years. I would like to ask her to marry me in a year or two and would like to be sure that I am in a good financial position to do this when the time does come. I do not like having this much revolving debt. I make my payments every month and I have for years, but I would like those payments to end soon so that I can feel comfortable to pursue some other goals in my life.
My financial situation:
????I have a comfortable monthly net income and could easily make the monthly payment on this. Especially, since this payment will merely be replacing other payments. I cannot provide w-2's that support my income because my income was only at this level for the last 6 months of 2009. I now make signinficantly more money than I made last year and I cna provide 6 months of pay stubs to prove my current income. Additionally, I have one of the few jobs in banking that is truly stable for years to come. My job is to help customers with homes in foreclosure find alternative solutions to foreclosure. It may be an unfortunate situation, but there is no shortage of work for me.
Monthly net income: $3,000.00????

Monthly expenses: $
??Housing: $?450
??Insurance: $ 80
??Car expenses: $ 100
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 850
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459787
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,300.00 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: $73.35
 
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: Sep-1998 Debt/Income ratio: Not calculated
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 10Length of status:15y 4m
Credit score: 760-779 (May-2010) Total credit lines: 37 Occupation: Other
Now delinquent: 0 Revolving credit balance: $25Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: auction-position 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 personal loan
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459795
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1994 Debt/Income ratio: 18%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 14 / 13Length of status:3y 11m
Credit score: 640-659 (May-2010) Total credit lines: 41 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $4,319Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 67%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: omartoor Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 21 ( 88% ) 640-659 (Latest)
Principal borrowed: $3,000.00< 31 days late: 3 ( 13% )  
600-619 (May-2008)
660-679 (Sep-2007)
 
Principal balance: $683.82 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
0% Interest-Free Loan Ending
Purpose of loan:?I have a 0% furniture loan through Macy's that is reaching the end of it's 6-month interest free period. Would like to pay off and not be assesed several hundred dollars in interest. Furniture was purchased in January (Bedroom Set, Sofa, Twin Beds for children, Dining). Please note: this was not a "luxury" expense. I essentially wore out my old furniture which was over 10 years old and promised my wife new furniture after the birth of our 3rd child.

My financial situation:
I am a good candidate for this loan because I have not been late or missed a single payment with any of my creditors in the past 5 years (and pay more than the minimum each month --- as evidence, I?am 6 months AHEAD on my current prosper loan). I have deligently monitored my credit and improved my financial situation since my first prosper loan. In the last 2 years, I have paid off over $30,000 in debt and closed more than 75% of my credit cards. I have also increased my salary by $30,000 per year and consistently been awarded the "Top Employee" award?in my company. I carve out a major fraction of my payroll for 401k and leave very little in terms of liquid assets so that I don't "splurge". I?work for the U.S. Treasury?and my clearance levels require me to maintain good practices (personally, financially, and professionally).

Quick Notes:
1) I don't know why prosper shows my credit score as "between 640 - 659". I checked my credit scores prior to starting this listing and Equifax showed my score as 688, Experian as 704, and Transunion showed my score as 699. I have improved my credit score by almost 100 points since May of 2008.

2) In my prosper payment history, it shows that I was "Less than 31 Days Late" on 3 payments on my current prosper loan. One of those payments, I was late because I had switched from using the prosper electronic debit to my bank's online bill pay system.?The other two times, I was late because I was not familiar with my bank's online bill pay system and the "manual check" the bank sent was arriving late. In all three cases, my payment was no more than 1 - 3 days late. The last instance of this was in Decemeber of 2008 and since then, I have adjusted when I make the payment to be?well in advance of the due date (I've set up my online bill pay with my bank to make a payment by the 1st of the month even though the payment isn't due till the 13th). Hope that helps. I have made more than the minimum each month. My monthly payment is $102 and I pay between $110 and $150 each month.

Monthly net income: $ 8,460

Monthly expenses: $
??Housing: $ 1,930
??Insurance: $ 160
??Car expenses: $ 1,306
??Utilities: $ 220
??Phone, cable, internet: $ 173
??Clothing, household expenses $ 1,500
??Credit cards and other loans: $?929
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459807
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
 
Auction yield range: 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: May-1990 Debt/Income ratio: 30%
Basic (1-10): 3 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 12 / 13Length of status:0y 5m
Credit score: 640-659 (May-2010) Total credit lines: 42 Occupation: Sales - Commission
Now delinquent: 1 Revolving credit balance: $23,704Stated income:$50,000-$74,999
Amount delinquent: $7,420 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 7    
Screen name: ARK2 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% ) 640-659 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
660-679 (Jun-2008)
 
Principal balance: $3,173.10 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Paying Medical Bills/Car repairs
Purpose of loan:
This loan will be used to?

The purpose of this loan is to primarily pay off medical bills my family has accrued due to my recent unemployment.? In addition, a portion will also be used for some neccissary vehicle repairs needed on our family's mini-van. This loan will allow me to bridge the gap in my budget as I am recovering from the loss of income.
I am a good candidate for this loan because?
I have been blessed with a great new job in a industry that is solid and growing.? Now that my training phase is complete, my income is rapidly increasing as I gain new business.? With in the next month, I will began to see additional commssion income based on the accounts that I have developed since I started.
Monthly net income: $
5500
Monthly expenses: $
??Housing: $ 2000
??Insurance: $ 150
??Car expenses: $?200
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 600
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 800
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459819
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.0%  
   
 
Starting lender yield: 28.90% Starting borrower rate/APR: 29.90% / 32.28% Starting monthly payment: $254.38
 
Auction yield range: 16.99% - 28.90% Estimated loss impact: 19.69%  
Lender servicing fee: 1.00% Estimated return: 9.21%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1999 Debt/Income ratio: 37%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 6Length of status:5y 9m
Credit score: 640-659 (May-2010) Total credit lines: 9 Occupation: Police Officer/Corr...
Now delinquent: 0 Revolving credit balance: $3,762Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: dolphin295 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
need to make life easier
Purpose of loan:
This loan will be used to? pay off my loan and credit cards; this will make my life so much easier. I am a supervisor of three sites and our busy time is upon us and it would make my life so much easier making one payment automatically withdrawn from my account than making seven payments and dealing with mail and stamps. Please help this will bring my stress level down a lot.

My financial situation:
I am a good candidate for this loan because? I am just a very busy supervisor and one payment a month will make my life so much easier. I have no problem making the current payments but would like to see my interest rate lowered. I am a supervisor and currently working 6 days a week and would like my bills to be cut down to one. It would make things much simpler for me. I will make my payments a top priority.

Monthly net income: $ 1650

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 60
??Car expenses: $ 375
??Utilities: $ 158
??Phone, cable, internet: $?79
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $?373
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459843
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1987 Debt/Income ratio: 29%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 16 / 17Length of status:2y 6m
Credit score: 700-719 (May-2010) Total credit lines: 34 Occupation: Professional
Now delinquent: 2 Revolving credit balance: $188,907Stated income:$50,000-$74,999
Amount delinquent: $424 Bankcard utilization: 71%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 29    
Screen name: phenomenal-basis0 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
Catch up and get back on track...
Purpose of loan:
This loan will be used to? Pay medical bills and rent
My financial situation:
I am a good candidate for this loan because? I have a wonderful, secure job and can really meet monthly payments once I have this help to just catch up. Catching up is the hardest part right now, and that is the only reason I need some help.

Monthly net income: $ 3300

Monthly expenses: $
??Housing: $ 2035
??Insurance: $ 0
??Car expenses: $?100
??Utilities: $?89
??Phone, cable, internet: $ 144
??Food, entertainment: $ 320
??Clothing, household expenses $?50
??Credit cards and other loans: $ 95
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459855
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $253.07
 
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: Oct-1998 Debt/Income ratio: 17%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 4Length of status:10y 2m
Credit score: 680-699 (May-2010) Total credit lines: 11 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $614Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 47%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: note-griffin4 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
Expanding Photography Business
Purpose of loan:
This loan will be used to purchase additional equipment in order to expand my photography business.

My financial situation:
I am a good candidate for this loan because I have low debt to income ratio, I am a responsible and trustworthy individual with a stable income, all my bills are always paid on time.

Monthly net income: $ 4650

Monthly expenses: $?2010
??Housing Rent: $ 750
??Insurance: $ 160
??Car expenses: $ 345
??Utilities: $ 120
??Phone, cable, internet: $ 85
??Food, entertainment: $ 400
??Credit cards and other loans: $ 150

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459861
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $903.81
 
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: Sep-2003 Debt/Income ratio: 28%
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 9Length of status:5y 7m
Credit score: 740-759 (May-2010) Total credit lines: 29 Occupation: Computer Programmer
Now delinquent: 1 Revolving credit balance: $2,888Stated income:$75,000-$99,999
Amount delinquent: $350 Bankcard utilization: 14%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: money-firestarter8 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 personal loan
Seems like I have been put in the HR category because of the $350 Delinquent amount. I want to point out that this amount was from an Utility bill and was delinquent not because of my inability to pay but because I was unaware of this when I moved Apartments. I have already taken care of it last month once I noticed it on my credity history.

Apart from this, I have a pretty good credit history and my credit score reflects it. Have a low revolving credit balance and bankcard utilization as well.
The money from the loan would be primarily used for investment purposes.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459873
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,700.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 8.00% Starting borrower rate/APR: 9.00% / 11.09% Starting monthly payment: $213.06
 
Auction yield range: 7.99% - 8.00% Estimated loss impact: 6.66%  
Lender servicing fee: 1.00% Estimated return: 1.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-2003 Debt/Income ratio: 36%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 10Length of status:6y 7m
Credit score: 660-679 (May-2010) Total credit lines: 22 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $5,712Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 28%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: evian415 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 / 2 On-time: 26 ( 100% ) 660-679 (Latest)
Principal borrowed: $12,500.00< 31 days late: 0 ( 0% )  
660-679 (Jul-2009)
640-659 (Feb-2008)
 
Principal balance: $3,976.19 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Lowering Interest-No Risk with me
Purpose of loan:
This loan will be used to consolidate two loans.

My financial situation:
I am a good candidate for this loan because? I've been a member of Prosper for a little over 2 years now and this site has helped me save thousands of dollars. I have been able to lower my intrest rates and my monthly payments as well. I have a stable job which I am thankful for every day which will allow me to continue making timely payments. In 26 months of payment history with Prosper I have never been late or missed a payment. The loans I am trying to consolidate cost me $370 a month. With?this new?Prosper?loan?my?monthly payments?will drop to $213 along with the intrest rate which is at a 13% average between the two and I will be out of these debts for good in 3 years. I will be paying less than what I am now so there will be no difficulty in making these payments.


Monthly net income: $ 2300

Monthly expenses: $
??Housing: $ 500
??Insurance: $ no car
??Car expenses: $ no car
??Utilities: $ paid for in rent
??Phone, cable, internet: $ 160
??Food, entertainment: $?200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 660 but if I get this loan it drop to $504
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459891
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,000.00 Prosper Rating: 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: $407.12
 
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-1978 Debt/Income ratio: 30%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 7Length of status:4y 3m
Credit score: 700-719 (May-2010) Total credit lines: 18 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $6,904Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 37%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: top-poetic-principal 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
Loan Transfer - BOA changed program
Purpose of loan:
This loan will be used to get out of an old loan program provided by Bank of America. I have paid off nearly half of the loan, but because it is an expired program, Bank of America refuses to change my interest rate and/or lower my monthly payments. I'm not taking on any new debt, just tranferring an existing loan that I can easily afford payments on, because I'm stuck in a bad deal. I'm seeking quotes for both a 36 month term and 60 month term loans to best determine my options.

My financial situation:
I am a good candidate for this loan because I have a history of making payments on time for this loan for the past 3 years. In addition, my credit situation is actually better than the scores reported from the credit agencies. I have the same name as my father (with the exception of the middle initial) and a number of his debt obligations erroneously appear on my report. I've written letters to the credit agencies asking them to address this, but am still waiting for corrective actions to be taken. A perfect example of this is the above noted credit profile. It says my first credit line was opened in 1978 but I wasn't born until 1983!

Monthly net income: $4,000

Monthly expenses: $2,457.00?
??Housing: $900
??Insurance: $20?
??Car expenses: $227 for lease + $95 for insurance?
??Utilities: $30?
??Phone, cable, internet: $85
??Food, entertainment: $400
??Clothing, household expenses $250
??Credit cards and other loans: $250
??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459897
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.99% Starting borrower rate/APR: 17.99% / 20.20% Starting monthly payment: $903.68
 
Auction yield range: 16.99% - 16.99% Estimated loss impact: 35.44%  
Lender servicing fee: 1.00% Estimated return: -18.45%  
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: Nov-1996 Debt/Income ratio: 85%
Basic (1-10): 1 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 9 / 9Length of status:8y 1m
Credit score: 720-739 (May-2010) Total credit lines: 34 Occupation: Nurse's Aide
Now delinquent: 2 Revolving credit balance: $11,004Stated income:$1-$24,999
Amount delinquent: $10,459 Bankcard utilization: 43%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 7    
Screen name: fund-shaker4 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
business and pay some cerdit cards
Purpose of loan:
This loan will be used to?
We have be doing fairs and flea markets. We have booths in 2 different flea market and have done 4 fairs already this year. So far will be going to fairs in Indiana, Ohio, PA, KY and TX this summer.
We sell jewelry. We will get a booth in one more flea market this winter after fairs and next year do this seem thing, but more fairs. Our goal is to open four stores in different citys and malls.

My financial situation:
I am a good candidate for this loan because?
the Amount delinquent is for a home the bank is taking the deed in leu and is in short sale.


Monthly net income: $

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 350
??Car expenses: $ 427
??Utilities: $ 182
??Phone, cable, internet: $ 344
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 350
??Other expenses: $
Information in the Description is not verified.