Listing Report:Supplement No. 255 dated Jun 02, 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 293858
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
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: Jun-1984 Debt/Income ratio: 5%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 3Length of status:10y 4m
Credit score: 620-639 (May-2010) Total credit lines: 12 Occupation: Truck Driver
Now delinquent: 0 Revolving credit balance: $2,721Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 84%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: ILWTC Borrower's state: Georgia Borrower's group: 1 4 Auto Homes Trucking related borrowing & lending
Credit and homeownership information was obtained 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% ) 620-639 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
660-679 (Nov-2006)
600-619 (Oct-2006)
 
Principal balance: $0.03 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Business expansion


I have successfully paid off my first loan with prosper. This should prove to those who wish to lend to me to expand my business operation and to continue to improve my credit rating that I am responsible and trustworthy.
I am requesting your help a second time so that?I may expand my business operation and to continue to improve my credit rating.?

Please feel free to make any comments?or give any suggestions for expanding my business operation and for?improving my credit rating.

Happy bidding.

Thanks
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 355676
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 9.25% Starting borrower rate/APR: 10.25% / 12.36% Starting monthly payment: $226.69
 
Auction yield range: 7.99% - 9.25% Estimated loss impact: 8.19%  
Lender servicing fee: 1.00% Estimated return: 1.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1998 Debt/Income ratio: 19%
Basic (1-10): 8 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 16 / 16Length of status:3y 5m
Credit score: 720-739 (Jun-2010) Total credit lines: 31 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $185,659Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 50%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: stasevich 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
Credit Card Debt consolidation
Purpose of loan:
This loan will be used to consolidate higher interest credit card balances and timeshare loan.

My financial situation:
I am a good candidate for this loan because.. I hold a IT Software Engineer position for 12+ years with steady 85k+ income.

Monthly net income: $
7000
Monthly expenses: $
??Housing: $ 1740
??Insurance: $ 90
??Car expenses: $ 490
??Utilities: $ 180
??Phone, cable, internet: $ 260
??Food, entertainment: $ 400
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 800
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 426546
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1999 Debt/Income ratio: 17%
Basic (1-10): 7 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:1y 5m
Credit score: 700-719 (Jun-2010) Total credit lines: 12 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $9,197Stated 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: Business_Ninja Borrower's state: WestVirginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Remodeling Kitchen and Bathroom
Purpose of loan:
I want to improve my house by remodeling the kitchen and bathroom

My financial situation:
I am single.? I have a good job and very little expenses

Monthly net income: $
$6250
Monthly expenses: $
??Housing: $ 678
??Insurance: $ 54.20
??Car expenses: $ 175.62
??Utilities: $ 138.00
??Phone, cable, internet: $ 119.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 434442
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-2002 Debt/Income ratio: 23%
Basic (1-10): 7 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 12 / 11Length of status:3y 10m
Credit score: 680-699 (Jun-2010) Total credit lines: 21 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $9,573Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 80%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: cordial-payment2 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 personal loan
Purpose of loan:
This loan will be used to finish paying for an engagement ring.

My financial situation:
I am a good candidate for this loan because I have never made a late payment on a credit card ever. I am a home owner and feel I am a responsible person. I also have respect for people and the idea of prosper and what the company mission is. Knowing that I would owe this money to another person and not a financial institution would simply increase the importance of paying it back on time.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451778
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $127.57
 
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-2000 Debt/Income ratio: 18%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:3y 6m
Credit score: 740-759 (Jun-2010) Total credit lines: 14 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $2,234Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 17%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: stewiedude Borrower's state: Oregon Borrower's group: Renewed Financial Horizons
Credit and homeownership information was obtained 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: 10 ( 100% ) 740-759 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
740-759 (Sep-2009)
740-759 (Oct-2008)
700-719 (Jan-2008)
 
Principal balance: $1,591.84 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
My loan for auto repairs
Purpose of loan:
I had some unexpected auto repairs that I would rather not put on my credit card. My last Prosper loan was successful, so I thought I'd use it again.

My financial situation:
I am a good candidate for this loan because I have never missed a payment on any of my loans and am responsible with my money. I also successfully paid back my last Prosper loan on time.

Monthly net income: $ 2700
Monthly expenses: $ 2200
??Housing: $ 880
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 120
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and student loans: $ 400
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 458114
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1992 Debt/Income ratio: 23%
Basic (1-10): 2 Inquiries last 6m: 7Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 28 / 21Length of status:7y 5m
Credit score: 700-719 (May-2010) Total credit lines: 50 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $42,646Stated 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: cash-spinner3 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?
pay my credit cards debt
My financial situation:
I am a good candidate for this loan because?i am a good payer and pays on time?

Monthly net income: $ 5,000.00

Monthly expenses: $3,600.00
??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 459706
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-2004 Debt/Income ratio: 7%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:2y 1m
Credit score: 660-679 (May-2010) Total credit lines: 6 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $3,812Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 77%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: supreme-duty5 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 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 460060
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 6 / 5Length of status:8y 4m
Credit score: 660-679 (May-2010) Total credit lines: 10 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,768Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: natural-durability6 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
three teens and to many debts
Purpose of loan:
This loan will be used to? pay off debt

My financial situation:
I am a good candidate for this loan because? i will only have this one bill

Monthly net income: $ 1800

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 200
??Car expenses: $ 0
??Utilities: $ 0
??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 460076
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,200.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 8.02% Starting borrower rate/APR: 9.02% / 11.11% Starting monthly payment: $133.60
 
Auction yield range: 7.99% - 8.02% Estimated loss impact: 8.16%  
Lender servicing fee: 1.00% Estimated return: -0.14%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 9 / 9Length of status:14y 11m
Credit score: 700-719 (May-2010) Total credit lines: 26 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $104,409Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 72%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: pragmatic-bonus 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
Community Hub Cafe needs a Sign
Purpose of loan:
This loan will be used to? create and install an exterior business sign on my building. This sign is going to be hand made by a local artist & he will be using steel.

I have a great location & many people have problems finding my cafe, local residents & people in town for events at the Comcast Arena which is on the next block. I know a sign would really boost my sales. The sign will extend 6 ft out from the building, with the length of 5 ft., & this artistic sign will be seen from a 3 block radius. I have already showed my plans to the city and I have the ok, as soon as I have the finances for the project.

I'm passionate about growing Zippy?s Java Lounge (a community hub caf?) that I started 5 years ago in Everett. I'm all about community: sharing my ideas, volunteering, thinking local, undriving (biking instead of driving), the outdoors, horse endurance riding, and I have under 15% waist at my cafe (due to recycling, worm bins, & composting).

I recently started internship program with homeless youth (giving them job skills training in the area of: PR, learning espresso drinks, & preparing healthy food.

I look at my cafe as a place that all people from the community can come: gather, share ideas, be inspired and have some great food & coffee. In 2008, I was flattered to receive the Voice of the Community Award from KSER Radio in recognition for the activism I take part in Everett.


That's me in a nutshell...

Thank you for your time.

My financial situation:
I am a good candidate for this loan because? I pay my bills and taxes on time and I have some money in savings.

Monthly net income: $ 3,000

Monthly expenses: $
??Housing: $ 1,700
??Insurance: $ 220
??Car expenses: $ 60
??Utilities: $ 60
??Phone, cable, internet: $ 10
??Food, entertainment: $250
??Clothing, household expenses $50
??Credit cards and other loans: $ 300
??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460450
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 16.99% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 11 / 10Length of status:7y 9m
Credit score: 720-739 (May-2010) Total credit lines: 32 Occupation: Religious
Now delinquent: 0 Revolving credit balance: $418Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 17%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 26    
Screen name: progressive-loan2 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
Purpose of loan:
This loan will be used to?
Pay off a CitiFinancial loan and purchase a used boat.
My financial situation:
I am a good candidate for this loan because?
I have made it a priority over the past 24months continually improve my credit score.? I monitor my score on a monthly basis.? I have never had any forclosures or repossesions.? I have never filed for bankruptcy and never intend to file for bankruptcy.? I have recently paid off two vehicles freeing up $798 a month.? This amount should easily provide room to pay for this requested loan.
Monthly net income: $ 5,400

Monthly expenses: $
??Housing: $ 979???
??Insurance: $ 243
??Car expenses: $ 523
??Utilities: $ 185
??Phone, cable, internet: $ 79
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 50
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460464
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 25.00% Starting borrower rate/APR: 26.00% / 28.32% Starting monthly payment: $161.16
 
Auction yield range: 13.99% - 25.00% Estimated loss impact: 15.83%  
Lender servicing fee: 1.00% Estimated return: 9.17%  
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: Jan-1996 Debt/Income ratio: 23%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 12Length of status:6y 8m
Credit score: 600-619 (May-2010) Total credit lines: 18 Occupation: Other
Now delinquent: 0 Revolving credit balance: $12,909Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 5 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: sunrise7 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: 32 ( 100% ) 600-619 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
600-619 (Aug-2007)
 
Principal balance: $558.35 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
Payoff High Interest Credit Cards!
Purpose of loan:
This loan will be used to payoff high interest credit cards and other credit accounts!

My financial situation:
I am a good candidate for this loan because I work full-time for the largest railroad in the USA.
I have a perfect payment history on all my accounts in the last 6 years, including a Prosper loan with 32 perfect payments(just 4 more to go!).
I believe in peer to peer lending!
I will not let you down!
Thank You for your considering my loan!

Monthly net income: $ 3950

Monthly expenses: $ 3360
??Housing: $ 600
??Insurance: $ 0
?Car expenses: $?835(includes loan, insurance and all other expenses )
??Utilities: $ 60
??Phone, cable, internet: $ 200
??Food, supplements: $ 500
??Clothing, household expenses $ 50
??Credit cards and other loans: $570
??Other expenses: $ 145 (Prosper Loan, 4 payments to go)
??Charities:??$ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460672
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $198.84
 
Auction yield range: 13.99% - 17.00% Estimated loss impact: 14.75%  
Lender servicing fee: 1.00% Estimated return: 2.25%  
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: Sep-1992 Debt/Income ratio: 35%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 18 / 17Length of status:3y 5m
Credit score: 660-679 (Jun-2010) Total credit lines: 33 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $16,435Stated income:$50,000-$74,999
Amount delinquent: $97 Bankcard utilization: 80%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: JaxGM Borrower's state: Florida Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
620-639 (Jul-2009)
620-639 (Jun-2008)
560-579 (Oct-2006)
 
Principal balance: $1,467.41 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Lower rates and consolidation
The purpose of this loan is to consolidate some debt and reduce the amount of interest I am paying. Part of this loan will also pay off my existing prosper loan. These current debts have monthly payments of $618 with rates from 29 to 33%. This consolidation will allow me to pay off other debts quicker and work on building up my savings again. The only negatives on my credit is a repossession and one or two late payments and this is all from a divorce in 2006, and these are items that my ex-wife was responsible for, but I ended up taking care of them to avoid more damage to my credit. Other than these items, the high balances on my credit cards is the only other thing that is pulling my score down. Net Monthly Income: $6,000
Mortgage (including taxes and insurance) $850
Car payments: $771 (two cars)
Insurance: $135
Utilities: $400
Student Loan: $95
IRS: $400 (paying off with loan)
Current Prosper Loan: $134 (Paying off with loan)
Credit Cards: $465
Total debt payments: $3,250The rest goes towards household expenses, gas, groceries (family of 5), repairs and maintenance, etc. If I neglected to cover something that you have a question about; feel free to contact me or post your question.?Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460732
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,500.00 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: $610.69
 
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-1999 Debt/Income ratio: 14%
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 3 / 2Length of status:14y 11m
Credit score: 640-659 (May-2010) Total credit lines: 8 Occupation: Military Enlisted
Now delinquent: 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $3,538 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 2 Homeownership: Yes  
Delinquencies in last 7y: 5    
Screen name: kaidokhan123 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
Military member in need of truck
Purpose of loan:
This loan will be used to?purchase a late model?vehicle for?family use?

My financial situation:
I am a good candidate for this loan because I am determined to raise my credit standing from past mistakes.? I have no late payments or judgements on my credit file for the past 3+ years.? I am just returning from Afghanistan and am in need of dependable transportation for my next assignment with the military.

Monthly net income: $ 4000 (me) $4000 (spouse)

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 200
??Car expenses: $ 150
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460792
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 21.69% Starting borrower rate/APR: 22.69% / 24.96% Starting monthly payment: $192.74
 
Auction yield range: 7.99% - 21.69% Estimated loss impact: 8.51%  
Lender servicing fee: 1.00% Estimated return: 13.18%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1990 Debt/Income ratio: 60%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 18 / 13Length of status:27y 10m
Credit score: 700-719 (May-2010) Total credit lines: 48 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $30,333Stated 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: commitment-processor 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
MILITARY DEBT CONSOLIDATION
Purpose of loan:
This loan will be used to consolidate a large portion of my revolving debts before I retire from the Air Force in?36 months.? ???

My financial situation:
EXCELLENT!? I am an active duty Air Force, Chief Master Sergeant E-9 with 27 years of service.? I will be retiring from the Air Force in 36mths after 30 years of dedicated service.? My spouse is an active duty Air?Force, Senior Master Sergeant with 18 years of?service.? We will both be paying off the loan and have an?IMPECCABLE?credit and payment history.? I am?GUARANTEED to pay this?loan off in full and on time.????



Monthly net income: $ 7700.00, Spouse makes 5700.00.? We also rent our home out and recieve $1,600.00 a month additional income.? Total monthly household $15,000?

Monthly expenses: $
??Housing: $ 1,450 (Rental Home we live in) ?
??Insurance: $ 200
??Car expenses: $ 500
??Utilities: $ 100
??Phone, cable, internet: $?200
??Food, entertainment: $200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ ?500
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460798
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,100.00 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: $297.92
 
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: Jul-1998 Debt/Income ratio: 37%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 16 / 16Length of status:3y 1m
Credit score: 700-719 (May-2010) Total credit lines: 31 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $57,166Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 72%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: five-star-interest3 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
RecoveringFromDebt
Reason for this loan is to pay off Credit Cards?CC1,2,3 and 4. After?Debt?& Expenses?paid,?$1,833.87 is available on which mostly goes towards paying extra payments.?Plan is to clear?CC+BL debt in?28 months.?$25K cash reserve available,?cash value?life ins.+vested stock options.?Never been late on any payments.
NET INCOME (W2)???????$7,400.00
CURRENT DEBT & EXPENSES???? PMT???????? BAL???? I%??????? LIM
CC1????????????????????? $86.65?? $2,744.11 29.99%? $2,880.00
CC2????????????????????? $50.00?? $1,400.00 29.24%? $1,500.00
CC3????????????????????? $93.92?? $2,839.01 25.24%? $4,900.00
CC4????????????????????? $46.00?? $2,092.76 15.90%? $3,100.00
CC5???????????????????? $108.00?? $5,224.98? 9.24%? $5,800.00
CC6????????????????????? $99.00?? $6,021.94? 9.24% $15,002.00
CC7????????????????????? $32.00?? $2,132.98? 5.90%? $3,000.00
BANKLOAN1?????????????? $901.00? $29,408.94 19.99% $32,200.00
BANKLOAN2?????????????? $390.49?? $5,189.45 18.99%? $5,790.00
BANKLOAN3?????????????? $228.75?? $2,969.42 17.65%? $7,500.00
CarPayment1???????????? $285.14? $12,648.60? 7.85%
CarPayment2???????????? $499.81? $22,882.55? 8.44%
CarsInsurance?????????? $173.14???? $348.28
CityWater??????????????? $74.08
Electricity???????????? $212.39
HOA????????????????????? $85.00
LifeInsurance1????????? $153.00
LifeInsurance2?????????? $87.26
PhoneInternet??????????? $96.81
Food????????????????? $1,000.00
MortgagePayment???????? $863.69? $96,171.16? 6.24%
Total (DEBT & EXP)??? $5,566.13 $192,074.18????????$81,672.00
Available Budget????? $1,833.87
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460804
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,900.00 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: $221.66
 
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-2000 Debt/Income ratio: 31%
Basic (1-10): 3 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 9Length of status:6y 5m
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 460828
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-2001 Debt/Income ratio: 25%
Basic (1-10): 1 Inquiries last 6m: 7Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 5 / 3Length of status:0y 11m
Credit score: 680-699 (May-2010) Total credit lines: 11 Occupation: Other
Now delinquent: 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: compassionate-asset8 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
Braces
Purpose of loan:
To pay for braces and a few cavity fillings.

My financial situation:
I currently work as a Customer Service Associate for a company providing client servicing and I make a steady income at it. I have a 683 credit score, a car financed at 5.25%, a college degree from a top University and an income which will be increasing as my career progresses. I'm a person of integrity, I pay my bills on time, I honor my financial commitments and I will be paying this loan off steadily and reliably. Looking below you will see that from what I make and what I pay out each month I can easily pay the monthly payment on this loan. Thank you so much for helping me get braces. ?

Monthly net income: $ 1840

Monthly expenses: $ 1247
? Rent: $510
? College Loan: $130
? Car Insurance: $70
? Cell Phone: $40
? Car Loan: $291
? Loan: $206
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460834
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,900.00 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: $144.94
 
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: Jun-1994 Debt/Income ratio: 28%
Basic (1-10): 7 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 16 / 9Length of status:6y 0m
Credit score: 660-679 (May-2010) Total credit lines: 29 Occupation: Investor
Now delinquent: 0 Revolving credit balance: $9,968Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 66%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: djracer 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 of credit cards

My financial situation:
I am a good candidate for this loan because I have never been delinquent of any accounts.? I guarantee you, that I am a safe investment, and you wont lose your investment with me!
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 460840
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 16.99% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1995 Debt/Income ratio: 25%
Basic (1-10): 3 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 8 / 5Length of status:18y 10m
Credit score: 720-739 (May-2010) Total credit lines: 33 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $7,023Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 20    
Screen name: compatible-coin6 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 own reasons
Purpose of loan:
This loan will be used to?
This loan will be used to pay off a high APR credit cards that are left over from my divorce?and give me a peace of mind it is taken care of prior to me deploying for 2 years and also to help me resod my yard which the HOA have been sending me notices to do since we had a?numerious freezes here over the winter it has killed my grass.?I will set up a allotment to guarantee the loan payment is made each month and to ensure the loan is repayed with in 2 years. Thank you to all who bid and in helping me with this.
My financial situation:
I am a good candidate for this loan because?
I am a hard working American soldier and I am 100% trust worthy to repay what I borrow.
Monthly net income: $
4700.00
Monthly expenses: $
??Housing: $?2000
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $?150
??Phone, cable, internet: $ 75
??Food, entertainment: $?300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460844
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $904.72
 
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: Jan-2006 Debt/Income ratio: Not calculated
Basic (1-10): 2 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 11Length of status:3y 11m
Credit score: 700-719 (Jun-2010) Total credit lines: 28 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $3,577Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 33%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: payment-pragmatist0 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
Home Improvment
Purpose of loan:
This loan will be used to? Home Furnishing

My financial situation:
I am a good candidate for this loan because? Because I have a secured job, I other savings tied up, Very Finanically Organized

Monthly net income: 4950.00
Monthly expenses: $ 800.00
??Housing: $?0.00
??Insurance: $ 0.00
??Car expenses: $ 0.00
??Utilities: $ 0.00
??Phone, cable, internet: $ 0.00
??Food, entertainment: $ 225.00
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $?900.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460846
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 24.57% Starting borrower rate/APR: 25.57% / 27.88% Starting monthly payment: $1,001.55
 
Auction yield range: 7.99% - 24.57% Estimated loss impact: 9.09%  
Lender servicing fee: 1.00% Estimated return: 15.48%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1996 Debt/Income ratio: 33%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:3y 10m
Credit score: 780-799 (May-2010) Total credit lines: 30 Occupation: Tradesman - Electri...
Now delinquent: 0 Revolving credit balance: $6,155Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 11%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: systematic-trade1 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 Start Up
Purpose of loan:
This loan will be used to? Purchase and Rehabilitate properties in order to assist neighborhoods increase their income potential and property value.

My financial situation:
I am a good candidate for this loan because? I have made the necessary choices to educate myself regarding real estate over the last 3 years to prepare myself for the purchase, rehabilitation and sale of properties in our area.? I have been a licensed electrician for over 15 years and have experience in rehabilitating homes from a professional and personal standing.? I have the ability and integrity to do a job correctly so the new homeowner will have confidence in the reliability of properties purchased from me.? If a property is not purchased in a timely manner after all rehabilitation efforts are completed, we have the ability to rent the property for a reasonable amount until an end buyer is located (or we can keep the property ourselves for an additional?monthly income).?

Monthly net income: $ 3795

Monthly expenses: $ 1435
??Housing: $ 600
??Insurance: $?75
??Car expenses: $?140
??Utilities: $?150
??Phone, cable, internet: $ 70
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460850
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.44% Starting borrower rate/APR: 9.44% / 9.78% Starting monthly payment: $384.06
 
Auction yield range: 2.99% - 8.44% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1989 Debt/Income ratio: 17%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 13Length of status:13y 1m
Credit score: 800-819 (Jun-2010) Total credit lines: 33 Occupation: Medical Technician
Now delinquent: 0 Revolving credit balance: $3,378Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 17%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 4    
Screen name: open-minded-rate4 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
surgery
Purpose of loan:
This loan will be used to?get surgery on myself.?

My financial situation:
I am a good candidate for this loan because? I pay all my bills on time and I have very low credit card balances and a great credit score.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460858
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $178.92
 
Auction yield range: 10.99% - 24.00% Estimated loss impact: 10.59%  
Lender servicing fee: 1.00% Estimated return: 13.41%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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: 19%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:4y 0m
Credit score: 660-679 (Jun-2010) Total credit lines: 10 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $7,695Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: exact-bid8 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Bill Consolidation
Purpose of loan:
This loan will be used to?
Pay off credit card bills via a locked down interest rate and fixed monthly payment
My financial situation:
I am a good candidate for this loan because?
I am a Information Technology professional working for one of the biggest consulting/accounting firms in the world (PwC). I just got promoted - effective July 1st

Monthly net income: $
$3000

Monthly expenses: $
??Housing: $ 760
??Insurance: $ 100
??Car expenses: $ 500
??Utilities: $ 120
??Phone, cable, internet: $ 100
??Food, entertainment: $?300
??Clothing, household expenses $ -
??Credit cards and other loans: $ 200
??Other expenses: $ -
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460864
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-1993 Debt/Income ratio: 48%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 15 / 13Length of status:0y 8m
Credit score: 740-759 (Jun-2010) Total credit lines: 38 Occupation: Waiter/Waitress
Now delinquent: 0 Revolving credit balance: $29,640Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 62%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: orbital-dime6 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
do home improvement
Purpose of loan:
This loan will be used to? This loan will be use to do home improvement and summer school for my son

My financial situation:
I am a good candidate for this loan because? I am a good candidate for this loan because I consistently work and make money. I also pay my bill on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460870
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,800.00 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: $443.31
 
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-1999 Debt/Income ratio: 47%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 9Length of status:5y 6m
Credit score: 680-699 (Jun-2010) Total credit lines: 16 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $8,886Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: exciting-asset8 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
lpedirect
Purpose of loan:This loan will be used to? To Start-up my own Freight brokerage on the side as I continue working full time.

My financial situation:
I am a good candidate for this loan because? I have already have invested $4500.00 of my own money to get started. I just need help with the cash flow for the first 2-3months. I currently have 12 customers already do business with so far. I have 6 years experience as an operations manager at my current firm.

Monthly net income: $ 4-5k

Monthly expenses: $ 2200
??Housing: $ 575
??Insurance: $ 65
??Car expenses: $ 480
??Utilities: $ 200
??Phone, cable, internet: $ 250
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460876
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1990 Debt/Income ratio: 18%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 16 / 16Length of status:21y 4m
Credit score: 640-659 (May-2010) Total credit lines: 53 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $52,523Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: benjamins-disk 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
Make $ on Me!! Good Job, Always Pay
Purpose of loan:
You WILL make money on this debt-consolidation?loan. I'm about as low-risk as you will find on Prosper. I've never defaulted on anything and always pay my bills. I have a VERY secure job and?the resources to pay on time through automatic deduction. So take a chance on me!! This is a debt consolidation loan that?will be used to pay off bills accumulated over the last two years related to my husband's bone marrow transplant. Specifically, it will pay off a $1000 personal loan from my stepfather, a $1500 loan from my father-in-law, and four credit cards that I'm currently paying at rates of at least 18% (most higher). We maxed out high-interest rate credit cards and borrowed small amounts from friends and family to pay medical bills and the cost of living for four months near the hospital during his recovery. The amount we owe isn't large, but we're not making aggressive progress in paying it off. It would simplify our lives enormously to have a single, automatic?payment and to no longer be obligated to our family. I want a business-like relationship with those I owe, and this will provide that.

My financial situation:
This consolidation loan will not eliminate my debt (still have a mortgage, car payment, and other normal obligations), but it will help me consolidate all of our remaining expenses related to my husband's cancer treatment into a single payment. I make a great income for a two-person family (husband is not working currently), but we ran through our savings in 2003 to take care of my uninsured mother-in-law (now deceased). We had just about recovered financially when my husband got sick with leukemia, but he's now cancer-free and we're trying to get back on solid footing. The?"other expenses" in?the household budget below include prescription drug costs, home maintenance (our house is 50 years old so it?takes some money), some ongoing medical treatment costs, and other?non-discretionary expenses that add up.? We don't live high on the hog and don't have any debilitating vices that suck up our money...we've just had a little hard luck medically that's put us in a bind.

All the "negs" on my credit report will be dropping off in the next year and a half--all stemming from the mother-in-law situation back in 2003. I make a very good income in a secure job I've held for 21 years, and this Prosper payment schedule would be very manageable. Take a chance on me!

Monthly net income: $ 7,700

Monthly expenses: $
??Housing: $ 2400
??Insurance: $?400
??Car expenses: $?400
??Utilities: $?300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Clothing, household expenses $?100
??Credit cards and other loans: $?1500
??Other expenses: $ 1500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460888
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1986 Debt/Income ratio: 36%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 15 / 10Length of status:23y 0m
Credit score: 820-839 (Jun-2010) Total credit lines: 35 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $15,251Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 33%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: lion148 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
Paying off credit cards
Purpose of loan:
This loan will be used to?payoff credit cards?

My financial situation:
I am a good candidate for this loan because?I have never defaulted on a loan, I have a stable job, and I make good money.? My wife and I have gone to a cash only budget.? We have taken a Biblical Financial class.? I am trying to be a better manager of money.?

Monthly net income: $

Monthly expenses: $
??Housing: $ 2150
??Insurance: $ included in other payments
??Car expenses: $ 500
??Utilities: $ 200
??Phone, cable, internet: $ 164
??Food, entertainment: $ 1100
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 1500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460892
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 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: Sep-1998 Debt/Income ratio: 36%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 18 / 18Length of status:7y 4m
Credit score: 740-759 (Jun-2010) Total credit lines: 34 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $89,831Stated 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: resolute-dime7 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
Consolidating CC into one payment
Purpose of loan:
This loan will be used to consolidate credit cards into one payment.

My financial situation:
I am a good candidate for this loan because I have never missed a payment and have a sound monthly income.

Monthly net income: 5,500 $

Monthly expenses: $
??Housing: $1200.00
??Car expenses: 400.00$
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460894
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-1987 Debt/Income ratio: 30%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 12Length of status:3y 0m
Credit score: 640-659 (Jun-2010) Total credit lines: 27 Occupation: Other
Now delinquent: 0 Revolving credit balance: $7,032Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 83%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: responsible-order0 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
erins first 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 460910
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-2000 Debt/Income ratio: 29%
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 4m
Credit score: 640-659 (Jun-2010) Total credit lines: 27 Occupation: Other
Now delinquent: 2 Revolving credit balance: $795Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 63%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 17    
Screen name: CollegeisCalling 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: 24 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
620-639 (Apr-2008)
 
Principal balance: $2,216.81 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
Buying a new car for our family
Purpose of loan:
This loan will be used to fund the purchase of a new or newer more reliable car for the family and to get me to and from school.

My financial situation:
I am a good candidate for this loan because I am a very hard worker and?I will do what ever I have to do to make sure I have money in the bank to cover this loan.

Monthly net income: $ 2600

Monthly expenses: $
??Housing: $ 500
??Insurance: $90?
??Car expenses: $ 150
??Utilities: $?80
??Phone, cable, internet: $ 250
??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 460912
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $384.51
 
Auction yield range: 13.99% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1995 Debt/Income ratio: 16%
Basic (1-10): 6 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 14Length of status:1y 1m
Credit score: 680-699 (Jun-2010) Total credit lines: 30 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $9,707Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 54%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: lean-asset041 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
PAY OFF CC DEBTS
Purpose of loan:
This loan will be used to? payoff credit card debts

My financial situation:
I am a good candidate for this loan because . i have a steady job. I also have a part time job to supplement my income. I am a responsible person

Monthly net income: $ 4686

Monthly expenses: $ 3564
??Housing: $ 789
??Insurance: $ 150
??Car expenses: $ 325
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $?200
??Clothing, household expenses $ 600
??Credit cards and other loans: $ 1000
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460916
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-2002 Debt/Income ratio: 43%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 5Length of status:1y 5m
Credit score: 640-659 (May-2010) Total credit lines: 29 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,255Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 76%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: repayment-collector Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from 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 Use
Purpose of loan:
This loan will be used to?
pay tuiton for a semester of school
My financial situation:I'm currently paying out of pocket for school, very hard
I am a good candidate for this loan because?I'm very good with my money, and I pay my bills on time

Monthly net income: $ 1200

Monthly expenses: $
??Housing: $0
??Insurance: $150
??Car expenses: $349
??Utilities: $0
??Phone, cable, internet: $80
??Food, entertainment: $100
??Clothing, household expenses $50
??Credit cards and other loans: $150
??Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460918
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.20% Starting borrower rate/APR: 10.20% / 12.31% Starting monthly payment: $242.71
 
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-1994 Debt/Income ratio: 21%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 15 / 11Length of status:11y 10m
Credit score: 700-719 (Jun-2010) Total credit lines: 40 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $13,669Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 33%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: the-payout-star Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Kansas Cage fights
Purpose of loan:
This loan will be used to? Hold cage fights one saturday a month in manhatten kansas. We will have a? total expense of? approx $6000 and plan on selling 700 tickets at an average price of $25 per ticket= aprox $17500 althogh nothing ever seems to be what it is on paper so at a very low side of 300 ticketsw sold @ 25 average = $7500 and by a margn that is a proft. We will also have sponsors at the show aprox $1000 will be brought in helping reduce our outflow. Please email I wll answer any question very well. I am investing $5000 of my own money so I need $7500 to fund my project

My financial situation:
I am a good candidate for this loan because? I always pay my bills. I have been at my job for over 10 years and in the automotive sales industry for over 20 years. I have paid off 3 homes, several automobilles and personal loans. I do have a good head for business

Monthly net income: $ 5000

Monthly expenses: $?2235
??Housing: $ 800
??Insurance: $ provided
??Car expenses: $ provided
??Utilities: $300
??Phone, cable, internet: $?35
??Food, entertainment: $300
??Clothing, household expenses $ 100
??Credit cards and other loans: $?700
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460924
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $18,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 14.13% Starting monthly payment: $614.46
 
Auction yield range: 7.99% - 11.00% Estimated loss impact: 8.73%  
Lender servicing fee: 1.00% Estimated return: 2.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-2000 Debt/Income ratio: 42%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 5Length of status:9y 7m
Credit score: 780-799 (Jun-2010) Total credit lines: 25 Occupation: Fireman
Now delinquent: 0 Revolving credit balance: $1,603Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 22%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: benjamins-battalion Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to? pay off credit cards

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

Monthly net income: $ 51,000

Monthly expenses: $
??Housing: $ 411
??Insurance: $ 90
??Car expenses: $ 560
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 120
??Clothing, household expenses $ 50
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460934
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 16.99% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 1 / 1Length of status:9y 8m
Credit score: 720-739 (May-2010) Total credit lines: 27 Occupation: Realtor
Now delinquent: 0 Revolving credit balance: $328Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 12    
Screen name: velocity-paradise6 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
House Remodeling for Flip Option
Purpose of loan:
This loan will be used to renovate a fixer-upper property, then flip it. This loan needed for new plumbing, electrical, HVAC, appliances, windows, doors, fixtures and flooring. The after repair market value is $68,900, this house is free and clear of any mortgage (I bought it for cash). I am willing to provide a Promissory Note and put this house as a collateral.

My financial situation:
I am a good candidate for this loan because I have $12,000 on my saving account, I receive weekly paychecks for BPO (Broker Price Opinion services) within last 20 months, I pay all my bills on time.

Monthly net income: $ 4200

Monthly expenses: $
??Housing: $ 825
??Insurance: $ 96
Car expenses: $?320
??Utilities: $ 125
??Phone, cable, internet: $ 171
??Food, entertainment: $ 750
??Clothing, household expenses $ 80
??Credit cards and other loans: $ 135
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460936
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jun-2006 Debt/Income ratio: 14%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 5 / 4Length of status:1y 3m
Credit score: 640-659 (Jun-2010) Total credit lines: 14 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $80Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 7%  
Public records last 12m / 10y: 1/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: benjamins-jujitsu 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
Down Payment for Apartment
Purpose of loan:
This loan will be used to?
Pay the down payment for a beautiful apartment that is a immediate move in.
My financial situation:
I am a good candidate for this loan because?
I have a good Job at the law firm of Jackson Lewis. I am very resonsible when it comes to paying my bills on time.
Monthly net income: $
My Monthly net income is $2800
Monthly expenses: $
??Housing: $?200
??Insurance: $ 412
??Car expenses: $?200
??Utilities: $ 50
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460940
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $743.27
 
Auction yield range: 16.99% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-2001 Debt/Income ratio: 39%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 11 / 10Length of status:5y 3m
Credit score: 680-699 (May-2010) Total credit lines: 18 Occupation: Civil Service
Now delinquent: 0 Revolving credit balance: $23,226Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: madbeefer 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: 25 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,300.00< 31 days late: 0 ( 0% )  
560-579 (Apr-2008)
560-579 (Mar-2008)
 
Principal balance: $482.00 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Pay of credit cards.
Purpose of loan:
This loan will be used to? Pay off all my credit cards.

My financial situation:
I am a good candidate for this loan because? I work for the federal government therefor my income is very steady. I have also never been late on my other prosper loan.

Monthly net income: $ 6000

Monthly expenses: $
??Housing: $ 1700
??Insurance: $ 100
??Car expenses: $516?
??Utilities: $ 150
??Phone, cable, internet: $60
??Food, entertainment: $ 200
??Clothing, household expenses $100
??Credit cards and other loans: $ 400
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460958
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 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: Dec-1994 Debt/Income ratio: 51%
Basic (1-10): 1 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 15 / 11Length of status:3y 2m
Credit score: 700-719 (May-2010) Total credit lines: 46 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $7,720Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: fcash777 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: 26 ( 100% ) 700-719 (Latest)
Principal borrowed: $14,775.00< 31 days late: 0 ( 0% )  
620-639 (Sep-2009)
640-659 (Aug-2009)
620-639 (Jul-2009)
620-639 (Apr-2009)
 
Principal balance: $0.03 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
715 Credit Score, NOT HR, see prof.
Purpose of loan:
I would like to pay off my Dell loan and 1 credit card trying to obtain a lower interest rate ( credit card equaling 5500.00, Dell equaling 2000.00). Not a High Risk loan. 2 Prosper loans paid in full already. My credit is very important to me and currently have a?score in the 700's as you can see. They only?rate me as HR due to a bankruptcy I had over 7 years?ago and have?had perfect credit since.?

My financial situation:
I currently gross 55,703.00 a year. Monthly is 4658.58 and my wife has a gross income of 55,950.00. We clearly make?enough money to support this loan, but would like to pay less in interest. The last?7 1/2 years (since the bankruptcy) I have never been late on any payments and have had perfect credit since. Unfortunately the bankruptcy is keeping my credit score down which is why I'm rated low on this site. I am a safe bet for investors, just look at my current history. I have proven this by always paying on time with my past prosper loans and ALL my bills since the bankruptcy in 2003.

I have been in the same field of work for 10 years and love what I do. I have had a great professional relationship with my current jobs CEO and executives for the last?6 years which is why they asked me to come join their team a few years ago. My job is very stable. Thanks again for your time.

Monthly net income: $
3,450.00 and 3,600.00 from my wife

Monthly expenses: $
??Housing: $ 1999.00 Own home, not a renter.
??Insurance: $ 97.00
??Car expenses: $ 769.00? Gas 200.00
??Utilities: $ 120.00
??Phone, cable, internet: $ 99.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 169.00
??Credit cards and other loans: $2000 Capital One, 2000 Juniper, 1500 Alaska CC. 2000 Dell
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460964
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 26.29% Starting monthly payment: $235.40
 
Auction yield range: 7.99% - 23.00% Estimated loss impact: 6.74%  
Lender servicing fee: 1.00% Estimated return: 16.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1981 Debt/Income ratio: 29%
Basic (1-10): 4 Inquiries last 6m: 5Employment status:Retired
Enhanced (1-5):1 Current / open credit lines: 13 / 11Length of status:3y 4m
Credit score: 800-819 (May-2010) Total credit lines: 38Stated income:$25,000-$49,999
Now delinquent: 0 Revolving credit balance: $88,517 
Amount delinquent: $0 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: top-repayment-accord 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
Cutting Credit Cards
NOTE: I realize my DTI seems high and my Prosper Rating is low, but please note that I receive rental income which is not reported to Prosper, as they don't except rental income. With my rental income included I have a AA Prosper Rating and my DTI was 19%. I recently had a AA Rating and a listing that was 100% Funded, but Prosper cancelled my listing because their policy is not to accept rental income, so I am re-listing without my rental income.

Your getting an AA Rating at a C Rating intrest rate and I get to pay off my Credit Cards

About myself

I am a mother of four adult children and five grandchildren. I pay my bills on time and have good credit. I have three sources of income and all three are stable. I receive Social Security Retirement Benefits, Veterans Affairs Surviving Spouse Benefits, and Rental Income. I have had a rental property for 5 yrs and it currently has tenants with a two year lease agreement.

How I plan on using funds:

I am working on paying off my high interest rate credit card bills. Recently I have run up some credit card bills remodeling and improving my rental property. These remodels were mostly put on store credit cards with high interest rates. I would like to lower my high interest credit cards and get rid of them.

Ability to Pay:

I have never filed for bankruptcy nor had a house foreclosed upon. I faithfully pay all of my bills and I have never neglected to honor any of my financial agreements. If I make a bill I plan on paying it in full. I have two houses, my primary residence and my rental, both of which I have over 50% equity in. This loan will not add additional debt as I plan on paying off the higher interest rate cards and using the money which I currently use on them to pay for this loan.


My monthly income is:

Social Security: $1,445
Veterans Affairs Surviving Spouse Benefits: $1,194
Rental: $1,400
Total: $4,039


Thank You ahead of time for your bids!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-2000 Debt/Income ratio: 15%
Basic (1-10): 3 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 5Length of status:9y 4m
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!!!
Purpose of loan:Pay Off credit card debt!
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 460970
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 13 / 10Length of status:5y 4m
Credit score: 680-699 (May-2010) Total credit lines: 33 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $4,673Stated income:$100,000+
Amount delinquent: $6,056 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: ryan1201 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: 54 ( 100% ) 680-699 (Latest)
Principal borrowed: $32,250.00< 31 days late: 0 ( 0% )  
720-739 (Aug-2008)
700-719 (May-2007)
 
Principal balance: $3,378.65 31+ days late: 0 ( 0% )
Total payments billed: 54  
Description
Debt Consol - Credit Score 680-699

Explanation of delinquency: In October 2009, I entered into the American Express "hardship" program to pay off my outstanding balance when I was out of work for a few months. While in the program, they are required to list it as a "chargeoff." I have documentation stating that when the program is complete, they will reinstate my card and correct my credit report. I have never missed a payment with AmEx hardship. I intend to complete the program in September 2010. Also note, that while I was out of work, I still paid my Prosper loans on time.

Loan History: As you can see, I have had two loans with Prosper. One was for $25,000 that was paid off 3 months early. I never missed a payment of over $900 when I was making less money than I am now. I intend to keep my perfect track record with my investors and with Prosper. Also, my credit score is between 680-699. It is still fair-good. The reason Prosper gives me an HR rating is because my credit score has dropped 40 points in 2 years due to high balances that I am trying to pay down.

Purpose of loan:
This loan will be used to consolidate outstanding debt.

My financial situation:
I am a good candidate for this loan because I have a perfect track record with Prosper and have a significant income to cover the Prosper loan.

Monthly net income: $13,500 ($12,000 from contract, $1,500 from rental property)

Monthly expenses:
Housing: $2,825 ($1,425 for rent and $1,400 for mortgage on rental property)
Insurance: $1,000
Car expenses: $2,000 (two expensive car leases I cannot get out of, but have never been late on)
Utilities: $600
Phone, cable, internet: $500
Food, entertainment: $1,400
Clothing, household expenses $400
Credit cards and other loans: $2,000 (1,060 for AmEx and rest for other credit cards I want to pay down with this loan)
Other expenses: $2,000 (withholding for taxes because I am self employed)
TOTAL $10,725 (Cash flow of $2,775)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460974
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,900.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $377.82
 
Auction yield range: 16.99% - 29.00% Estimated loss impact: 26.69%  
Lender servicing fee: 1.00% Estimated return: 2.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-2000 Debt/Income ratio: 40%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 16 / 10Length of status:0y 9m
Credit score: 660-679 (May-2010) Total credit lines: 37 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $2,438Stated 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: ahovaki 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 100% ) 660-679 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
640-659 (Apr-2010)
600-619 (Feb-2008)
580-599 (Jan-2008)
540-559 (Nov-2007)
 
Principal balance: $2,607.85 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Paying off the credit cards!
PURPOSE OF LOAN: Consolidation of credit card debt. I want to
use this loan to pay off my current credit card debt and pay on only my
Prosper Loans. My plan is to rebuild my credit, credit score, and
eliminate my credit card debt so that I can start saving for my future.

My financial situation:
In April of 2009, I lost my job working in recruiting at a Chicago law
firm.? Due to my unemployment, I had to rely on credit to help support
myself.? In September 2009, I was hired as a math teacher at a Chicago
School.? So I am currently employed, teaching high school students.? My
position is stable and I am more than excited to be putting my degree
to use!? I graduated in 2006 from Loyola University Chicago with
degrees in Secondary Education and Math Ed.?I am asking for this loan
in order to pay off all of my credit card debt which I have
accumulated.

This will be my second Prosper loan. My first being paid off by March 2011. Check out my payment history....it's good :)

My long term goal is to be able to start saving my money and plan for the future, like buying my own condo.

If this Prosper loan is funded, my monthly expenses will be reduced by $300 (this coming from the $400 monthly Prosper payments vs. $700 credit card payments). Also, by early next year, my first Prosper loan will be paid off. This will add to my potential savings.
Please help make this happen!!

Thank you for your time and consideration :)

FINANCES:
Monthly income (after taxes): approx. $3,000
Monthly expenses: approx $ 2,800
Housing: $800
Prosper Loan: $280
Utilities: $ 100
Phone, cable, internet: $ 150
Food, entertainment: $ 500
Clothing, household expenses $ 300
Current credit cards: $ 700



I WILL ENROLL IN AUTO PAYMENT AS SOON AS MY ACCOUNT IS VERIFIED BY PROSPER!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460984
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1979 Debt/Income ratio: 28%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 22 / 21Length of status:32y 5m
Credit score: 840-859 (Jun-2010) Total credit lines: 67 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $18,963Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 13%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: social-equinox 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
Spouse medical expenses
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460988
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1989 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: 6 / 6Length of status:8y 5m
Credit score: 700-719 (May-2010) Total credit lines: 29 Occupation: Sales - Commission
Now delinquent: 1 Revolving credit balance: $20,072Stated income:$100,000+
Amount delinquent: $378 Bankcard utilization: 27%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 7    
Screen name: orange-noble-return 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
Please Help Me Repair My Roof
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 461004
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:0y 4m
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 461010
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 12.85% Starting borrower rate/APR: 13.85% / 16.01% Starting monthly payment: $204.63
 
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: Apr-1996 Debt/Income ratio: 18%
Basic (1-10): 8 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 6Length of status:10y 7m
Credit score: 760-779 (Jun-2010) Total credit lines: 19 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $6,027Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 19%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: trifold 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 high interest cards
Purpose of loan:
This loan will be used to? Pay off 2 high interest credit cards.? One card with highest interest rate is closed ($3,470)?and the other is open ($2,770).? I will be paying approximately $400 extra to completely pay-off.

My financial situation:
I am a good candidate for this loan because? Job longevity over 10 years.? Make all payments on time and typically pay more than due.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 461016
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $407.12
 
Auction yield range: 13.99% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1970 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 18 / 18Length of status:3y 1m
Credit score: 660-679 (Jun-2010) Total credit lines: 33 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $88,884Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 69%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: sweet-justice3 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
Consolidate Credit-Never Late 40yrs
Purpose of loan:
Consolidate Credit

My financial situation:
I am a good candidate for this loan because, as you can see, I have a credit report going back to 1970. In 40 years, I have never made a late payment. I own a home and 2 cars. My home is valued at approximately $280,000, and I owe $193,000 on it. I work full-time and also own a small business.

Monthly net income: $9,750

Monthly expenses: $5,391
??Housing: $987.00
??Insurance: $144.00
??Car expenses: $200.00 (Gas)
??Utilities: $270.00
??Phone, cable, internet: $240.00
??Food, entertainment: $300.00
??Clothing, household expenses $300.00
??Credit cards and other loans: $950.00
? Other expenses: $2,000 (advertising for my small business)

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 461028
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1987 Debt/Income ratio: Not calculated
Basic (1-10): 10 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 6Length of status:19y 5m
Credit score: 860-879 (Jun-2010) Total credit lines: 25 Occupation: Attorney
Now delinquent: 0 Revolving credit balance: $71,050Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 3%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: courteous-deal8 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
Funds to Re-Loan
Purpose of loan:
This loan will be used to re-loan to other Prosper Borrowers

My financial situation: I am in strong financial condition with stable employment and strong cash flow. My credit ratings are high, all loans are current and have never had a delinquency.
I am a good candidate for this loan because of my strong credit history.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 461064
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 16.99% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1999 Debt/Income ratio: 38%
Basic (1-10): 2 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 8 / 5Length of status:6y 11m
Credit score: 680-699 (Jun-2010) Total credit lines: 19 Occupation: Military Enlisted
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: order-holly5 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
Paying off some bills
Purpose of loan:
This loan will be used to? Pay off some other bills to lower?the amount off money?I send out every month. I have worked hard to rebuild my credit from some mistakes?I made when?I was younger and I am?doing my best to keep my bills under control. I am in the military and?I drive 135 miles per day?for work, when gas prices went up so?high put me in a bad situation. I need this loan to?pay off some other stuff so my credit does not get any worse.?

My financial situation:
I am a good candidate for this loan because? I am in the Military with a very stable job. I have no problem making the monthly payment every month on time.

Monthly net income: $3690.00

Monthly expenses: $
??Housing: $?000.00
??Insurance: $ 155.00
??Car expenses: $ 360.00
??Utilities: $ 000.00
??Phone, cable, internet: $60.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $?
??Credit cards and other loans: $?
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 461070
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1994 Debt/Income ratio: 14%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 4Length of status:4y 10m
Credit score: 760-779 (Jun-2010) Total credit lines: 29 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $14,208Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 36%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: silver-dreamer7 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from 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
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 461076
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 21.69% Starting borrower rate/APR: 22.69% / 24.96% Starting monthly payment: $212.02
 
Auction yield range: 7.99% - 21.69% Estimated loss impact: 8.51%  
Lender servicing fee: 1.00% Estimated return: 13.18%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1972 Debt/Income ratio: 22%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 13 / 13Length of status:13y 10m
Credit score: 700-719 (Jun-2010) Total credit lines: 32 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $21,436Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 74%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: ATMBIZ 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: 23 ( 100% ) 700-719 (Latest)
Principal borrowed: $5,200.00< 31 days late: 0 ( 0% )  
680-699 (Apr-2010)
680-699 (Jan-2010)
680-699 (Dec-2009)
680-699 (Jun-2008)
 
Principal balance: $2,187.35 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Final payment on Wedding
Purpose of loan:
This loan will be used to? help make final payment on my daughters wedding.

My financial situation:
I am a good candidate for this loan because? i am working full time on same job with same company for 14 years.

Monthly net income: $ 5,500

Monthly expenses: $ 2,900
??Housing: $ 1,200
??Insurance: $ 275
??Car expenses: $ 350
??Utilities: $ 275
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $75
??Credit cards and other loans: $ 375
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 461082
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $204.40
 
Auction yield range: 16.99% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2004 Debt/Income ratio: 36%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 4Length of status:1y 6m
Credit score: 640-659 (Jun-2010) Total credit lines: 10 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $608Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 52%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: kkmmbb 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: 23 ( 100% ) 640-659 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
680-699 (Mar-2010)
600-619 (Aug-2009)
620-639 (Jun-2008)
 
Principal balance: $2,877.91 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Pay off Prosper loan & other debt
Purpose of loan:
This loan will be used to? To payoff the current Prosper loan and consolidate the credit cards and some medical bills.

My financial situation:
I am a good candidate for this loan because? I am current on all payments and accounts, including Prosper.

Monthly net income: $ 1,500

Monthly expenses: $ 891
??Housing: $ none live with family
??Insurance: $ 85 car
??Car expenses: $ 255 payment, 90 in gas
??Utilities: $ none
??Phone, cable, internet: $ Phone:$85
??Food, entertainment: $ 25
??Clothing, household expenses $ 25
??Credit cards and other loans: $ Prosper $241 and credit cards 75
??Other expenses: $ 10
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 461088
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
 
Auction yield range: 10.99% - 34.00% Estimated loss impact: 10.87%  
Lender servicing fee: 1.00% Estimated return: 23.13%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1999 Debt/Income ratio: 14%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:1y 1m
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
business use loan: $2500
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 461094
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-2006 Debt/Income ratio: 34%
Basic (1-10): 2 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 5 / 5Length of status:2y 9m
Credit score: 660-679 (Jun-2010) Total credit lines: 10 Occupation: Nurse's Aide
Now delinquent: 0 Revolving credit balance: $548Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: avi87 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
520-539 (Jun-2008)
 
Principal balance: $456.39 31+ days late: 0 ( 0% )
Total payments billed: 22  
Description
DOWN FOR MY FIRST HOME
Purpose of loan:
This loan will be used to as a down payment for my first home. I have enough for the down payment, but want to take precaution just in case there are other expenses. I will be happy to answer any questions.

My financial situation:
I am a good candidate for this loan because I have a stable job and have been working hard on my credit as you can tell It has gone up a lot since last time. Also I am young and do not have a lot of credit history, but i do pay my bills on time all the time.

Monthly net income: $ 3000 with husband

Monthly expenses: $ 800
??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 461100
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 5 / 5Length of status:4y 4m
Credit score: 640-659 (Jun-2010) Total credit lines: 13 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,594Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 3    
Screen name: social-chorus6 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
Another try...
Purpose of loan: This loan will be used to?further my education to build my music studio business.
My financial situation:Stable. Both my husband and myself are self-employed musicians and instructors. The current recession has challenged us, however, through some sacrifice we have maintained a solid self-employed status and we have continued to promote the music studio, gain new clients and reduce our expenses.
I am a good candidate for this loan because?I am independent and take nothing for granted!Having to take small steps towards every goal made me more disciplined and calculating with my financial decisions.
Monthly net income: $3152.00
Monthly expenses: $:Housing: $970.00 | Insurance: $135.00 | Car expenses: $447.00 | Utilities: $ 175.00 | Phone, cable, Internet: $175.00 | Food, entertainment: $600.00 | Clothing, household expenses $200.00 | Credit cards and other loans: $150.00 | Other expenses: $300.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 461106
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 26.39% Starting borrower rate/APR: 27.39% / 29.73% Starting monthly payment: $287.24
 
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: Apr-1971 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 17 / 17Length of status:10y 6m
Credit score: 680-699 (May-2010) Total credit lines: 23 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $70,633Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 78%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: astute-wealth4 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 Expenses - Good Credit
Purpose of loan:
Business advertising and promotional expenses.

I am a good candidate for this loan because:
I have good credit and have never made a late payment or defaulted on anything in my life.

My financial situation:
My financial situation is very good. I am the owner of several internet companies, and my income will continue to grow as I attract even more clients.

Monthly net income: $6,300-$6,800

Monthly expenses: $3,795
? Housing: $800.00
? Insurance: Health insurance: $96.00, Car insurance: $67.00
? Car expenses: $100.00 for gas, $0 for maintenance (under new car warranty)
? Utilities: $135.00
? Phone, cable, internet: $160.00
? Food, entertainment: $400.00
? Clothing, household expenses $300.00
? Credit cards and other loans: Credit cards: $984.00, Car loan: $353.00
? Other expenses: $400.00 (miscellaneous business related expenses)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 461112
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $23,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $854.76
 
Auction yield range: 16.99% - 19.00% Estimated loss impact: 26.06%  
Lender servicing fee: 1.00% Estimated return: -7.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1978 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 4Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 32 / 28Length of status:22y 0m
Credit score: 680-699 (Jun-2010) Total credit lines: 44 Occupation: Investor
Now delinquent: 0 Revolving credit balance: $271,692Stated 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: precious-greenback3 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
Real estate business improvements
Purpose of loan:
This loan will be used to? make improvements to real estate investment properties.?? Mainly, I will repaint exterior of two properties and finish a roof replacement on another property.

My financial situation:
I am a good candidate for this loan because?
I have several properties with good equity, and although rents are somewhat less than they used to be (and with more vacancies), there is sufficient income for bills.?? I would borrow against the equity in the property, but that is hard to do in this economy.?? Rents are starting to increase along with fewer vacancies, so the income will only improve with time.
Monthly net income: $ 8,200

Monthly expenses: $ 19,570.
??Housing: $ 2,770.
??Insurance: $ 60.
??Car expenses: $275.?
??Utilities: $ 115.
??Phone, cable, internet: $145.
??Food, entertainment: $?575.
??Clothing, household expenses $85.
??Credit cards and other loans: $ 15,500
??Other expenses: $ 45.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 461118
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $711.40
 
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: Oct-2002 Debt/Income ratio: 30%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:1y 4m
Credit score: 760-779 (Jun-2010) Total credit lines: 27 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $5,763Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 52%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 4    
Screen name: plasma552 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
Responsible - need better interest
Purpose of loan:
This loan will be used to consolidate my credit cards, cut them up and pay one solid monthly bill.

My financial situation:
I am a good candidate for this loan because I am responsible and educated. I unfortunately have this debt over my head and I just want to get a grasp on it.

Monthly income: $ 6500

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 340869
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jun-1999 Debt/Income ratio: 36%
Basic (1-10): 2 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 11 / 10Length of status:6y 10m
Credit score: 740-759 (Jun-2010) Total credit lines: 43 Occupation: Military Officer
Now delinquent: 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: sgg22 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
Purpose of loan:
This loan will be used for startup capital for my business that I am going to start during terminal leave. I am volunteering to get out of the military after 7 years and I don't want to wait six months for my voluntary separation pay to hit because I want to use the money prior to.

My financial situation:
I am a good candidate for this loan because I am planning on paying the loan off in six months?on 1 December once I receive my voluntary separation pay near the end of November.? This is a very secure short term loan and I do not want to stay in debt for long. I will be receiving about $60K for my voluntary separation pay payment and will pay this loan off quickly.?I know it is a high interest rate, but I really need this money quickly to start my dream business. Thanks for looking and I hope you have a great day.

Monthly net income: $ 6,000

Monthly expenses: $ 4,500
??Housing: $ 1,100
??Insurance: $?200
??Car expenses: $ 700
??Utilities: $ 300
??Phone, cable, internet: $ 200
??Food, entertainment: $ 800
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 400
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 425285
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.00% Starting borrower rate/APR: 7.00% / 7.34% Starting monthly payment: $61.75
 
Auction yield range: 2.99% - 6.00% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.40%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1976 Debt/Income ratio: 6%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):5 Current / open credit lines: 15 / 15Length of status:6y 5m
Credit score: 800-819 (Jun-2010) Total credit lines: 40Stated income:$50,000-$74,999
Now delinquent: 0 Revolving credit balance: $2,329 
Amount delinquent: $0 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: dickzmac Borrower's state: Alabama Borrower's group: ALL DOCTORS MD,DO,OD,DDS,DMD,PhD,DVM,DPM,DC,PharmD,J
Credit and homeownership information was obtained 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: 10 ( 91% ) 800-819 (Latest)
Principal borrowed: $2,000.00< 31 days late: 1 ( 9% )  
760-779 (Mar-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Buy a sailboat
I am a retired army veterinarian, married for 40 years and have three children and four grandchildren. I have paid off my previous Prosper loan in less than the alloted time and I will pay this one off faster also.? I am purchasing an inflateable sailboart which can be carried to the water by two people.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431877
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.0%  
   
 
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: 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-1992 Debt/Income ratio: 40%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 9Length of status:3y 10m
Credit score: 740-759 (Jun-2010) Total credit lines: 16 Occupation: Nurse (LPN)
Now delinquent: 0 Revolving credit balance: $1,737Stated 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: lpn03 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 100% ) 740-759 (Latest)
Principal borrowed: $10,650.00< 31 days late: 0 ( 0% )  
720-739 (Jun-2008)
 
Principal balance: $4,618.92 31+ days late: 0 ( 0% )
Total payments billed: 22  
Description
My loan for debt consolidation
Purpose of loan:
This loan will be use to.??
pay off current balance on Prosper loan, pay off credit card balances that did not get paid off with original loan, and my son needs braces and my employer does not provide orthodontic insurance coverage.??
My financial situation:
I am a good candidate for this loan because? I have a current loan with Prosper, which I have paid on time for?almost 2 years.?I'm still employed with the same company as a LPN.?I'm current on all of my other bills. My employer does not provide orthodontic insurance coverage. I do have a savings account of which $100 is automatically deposited every pay period. I also have a 401K Retirement plan?through my employer which I contribute 3% of my income. So I try hard to be financially sound. I hope my loan will be considered, and given my previous payment history, hope I?get an?interest rate comparable to my current Prosper loan. I?been a resident of the same apartment complex since 2006, and have?always been current on my rent. I plan to pay off my first Prosper loan with this loan, because I only want one monthly payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 440461
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,100.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.43% Starting monthly payment: $40.88
 
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: Mar-1999 Debt/Income ratio: 31%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 19 / 18Length of status:2y 2m
Credit score: 680-699 (Jun-2010) Total credit lines: 59 Occupation: Teacher
Now delinquent: 2 Revolving credit balance: $1,313Stated income:$25,000-$49,999
Amount delinquent: $4,223 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Snavorke Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 33 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
640-659 (Mar-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
My loan for an auto repairs
Purpose of loan:
This loan will be used to repair the air conditioning compressor, replace?the tires and take care of maintenence on?my truck.? This vehicle is my?only means of transportation.

My financial situation:
I am a good candidate for this loan because I have a steady income.? I work full time as a high-school teacher, and?this will be my second loan through Prosper.? The first loan was used to pay for college classes.? I never missed a payment on that loan, and paid it off almost a year early.

Monthly net income: $ 2700.00

Monthly expenses: $
??Housing: $?200.00
??Insurance: $?100.00
???Phone, cable, internet: $ 70.00
??Food, entertainment: $?300.00
???Credit cards and student loans: $?1500.00

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454611
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-2000 Debt/Income ratio: 17%
Basic (1-10): 8 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 19 / 17Length of status:6y 2m
Credit score: 680-699 (Jun-2010) Total credit lines: 30 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $12,979Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 39%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: durability-fields 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:
I use this loan to pay off my high-interest credit cards.

My financial situation:
I have a stable job and income.

Monthly net income: $ 5600

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1000
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460161
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.0%  
   
 
Starting lender yield: 31.00% Starting borrower rate/APR: 32.00% / 34.41% Starting monthly payment: $326.66
 
Auction yield range: 13.99% - 31.00% Estimated loss impact: 15.42%  
Lender servicing fee: 1.00% Estimated return: 15.58%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1999 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 11Length of status:7y 0m
Credit score: 660-679 (May-2010) Total credit lines: 13 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $7,045Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 46%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: STAFINN 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 / 2 On-time: 34 ( 100% ) 660-679 (Latest)
Principal borrowed: $9,001.00< 31 days late: 0 ( 0% )  
640-659 (Jul-2009)
620-639 (Apr-2009)
620-639 (Apr-2008)
600-619 (Mar-2008)
 
Principal balance: $2,432.18 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
Paying off 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?This?is my third Prosper Loan?


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460641
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1998 Debt/Income ratio: 14%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:17y 9m
Credit score: 640-659 (May-2010) Total credit lines: 19 Occupation: Postal Service
Now delinquent: 1 Revolving credit balance: $1,274Stated income:$75,000-$99,999
Amount delinquent: $15,867 Bankcard utilization: 39%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 3    
Screen name: CEEMIKE 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: 16 ( 76% ) 640-659 (Latest)
Principal borrowed: $5,500.00< 31 days late: 4 ( 19% )  
640-659 (Aug-2008)
 
Principal balance: $2,654.66 31+ days late: 1 ( 5% )
Total payments billed: 21  
Description
PAYING DOWN DEBT
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460795
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $361.52
 
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: Jan-2001 Debt/Income ratio: 36%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 6Length of status:5y 2m
Credit score: 680-699 (May-2010) Total credit lines: 23 Occupation: Civil Service
Now delinquent: 0 Revolving credit balance: $4,228Stated 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: treasure-maniac Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off loans and credit cards
Purpose of loan:
This loan will be used to?
pay off personal loans, credit card, and home improvements

My financial situation:
I am a good candidate for this loan because?
I pay my bills on time, I have a great history paying back the lenders with interest.? If I get?approve for this loan, I would get a automatic bank draft, so the lender will get paid on time.? I like to pay my loans before the mature date.
Monthly net income: $ 3200

Monthly expenses: $
??Housing: $ 860
??Insurance: $?200
??Car expenses: $ 50
??Utilities: $?140
??Phone, cable, internet: $ 135
??Food, entertainment: $ 200
??Clothing, household expenses $?75
??Credit cards and other loans: $ 800
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460801
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-2006 Debt/Income ratio: 5%
Basic (1-10): 5 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 5 / 4Length of status:1y 9m
Credit score: 660-679 (Jun-2010) Total credit lines: 6 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $1,268Stated 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: loot-spilunker 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
Coast Guard Enlisted to Fix Car
Purpose of loan:
I live in Key West and my car broke down - I need to fix it, to sell it, to make a down payment on a working car that will weather this hurricane season.

My financial situation:
I am a good candidate for this loan because I am in the United States Coast Guard. I make more than enough to cover the loan. Being in the USCG my job is steady and will be with me till I retire in 18 years.

Monthly net income: $ 3700

Monthly expenses: $
??Housing: $ 750
??Insurance: $ 250
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460807
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
 
Auction yield range: 16.99% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-2006 Debt/Income ratio: 14%
Basic (1-10): 3 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 2 / 2Length of status:2y 1m
Credit score: 640-659 (May-2010) Total credit lines: 3 Occupation: Other
Now delinquent: 1 Revolving credit balance: $9Stated income:$25,000-$49,999
Amount delinquent: $315 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: worlds-best-wealth 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
Simplifying debt

Purpose of loan:
This loan will be used to simplify my debt and build my credit.
My financial situation:
I currently work as a stockbroker for a large discount brokerage firm and make $38522.00 per year. I also live at home with family and help with groceries and other things around the house. I currently have over $20275.00 cash in bank accounts. I also have about $6750.00 in liabilities or debt.
**Please note that the $315 delinquent account above is for a cable bill that is not mine. I have talked with the collection agency, Credit Protection Association and have straightened it out with them and they have ceased collection efforts and reported it as account reported in error. However Experian has not removed from their records yet as I only got that letter at the end of this last March. I did confirm recently that they have updated their records so its just a matter of waiting now.**
I am a good candidate for this loan because? I would like to consolidate my debt and build credit and trust so that I can increase my credit score and be able to purchase my first home at a good rate next year. I have never been late with any bills I have and will continue to monitor all my bills when there due and make sure they get paid before there due. I am very financially responsible and I can state that this loan will not be a problem paying back.

Monthly net income: $
$3210 before taxes, about $2650 after.
Monthly expenses: $
Housing: $0
Insurance: $166 per month.
Car expenses: $325 per month including gas.
Utilities: $0
Phone, cable, internet: $109 phone bill.
Food, entertainment: $200
Clothing, household expenses $50
Credit cards and other loans: Minimum per month about $60.
Other expenses: $20 for credit monitoring service.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460817
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1988 Debt/Income ratio: 11%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Retired
Enhanced (1-5):4 Current / open credit lines: 9 / 6Length of status:9y 0m
Credit score: 660-679 (Jun-2010) Total credit lines: 32Stated income:$50,000-$74,999
Now delinquent: 0 Revolving credit balance: $3,107 
Amount delinquent: $0 Bankcard utilization: 89%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: focused-openness1 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
Pay off 2 credit cards
Purpose of loan:
This loan will be used to? pay off my 2 credit cards with a balance of? 2,200.00 dollars.? I also have a public record which was a bankruptcy discharged on Dec 27, 2005.? My bankruptcy was the result of being injuned on the job and put on leave without pay on Jun 27, 2001.? For the next four years I was in rehab and on state disability and I received no compensation for several months.? I used credit to supplement my income, but finally I was in over my head and had to declare bankruptch in October 2005.? After my bankruptcy , I finally received my Social Security Disability and Permanent Veterans Disability.? I'm not proud of having a bankruptcy and I have worked hard to bring my credit score's up.? I have no intention of not paying my debts, since I'm striving to bring my credit score's up and that I have a steady income.? I will be happy to answer any questions you may have.? Thank you for your time.

My financial situation:
I am a good candidate for this loan because? I have showen that I am responsible?for making my payment on time, even leading up to my bankrupy I did make my payments.? I pay no housing as I live with my parents and assist them in taking care of their place.

Monthly net income: $ My income is from 3 sources:? 1) Civil Service Annuity: 683.00; 2) Veterans Administration: 2673.00; @ 3) Social Security: 1394.? I pay no taxes on my total income of $4750.00 per month.

Monthly expenses: $
??Housing: $?
??Insurance: $
??Car expenses: $ 125.00
??Utilities: $ 60.00
??Phone, cable, internet: $ 125.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 525.00
??Other expenses: $
150.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460819
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-2000 Debt/Income ratio: 57%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 7Length of status:13y 6m
Credit score: 680-699 (Jun-2010) Total credit lines: 13 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,883Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 63%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: stacks1 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my auto and payday 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 460837
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.44% Starting monthly payment: $54.28
 
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-1979 Debt/Income ratio: 59%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):3 Current / open credit lines: 12 / 11Length of status:8y 8m
Credit score: 620-639 (May-2010) Total credit lines: 20 Occupation: Teacher
Now delinquent: 1 Revolving credit balance: $6,070Stated income:$1-$24,999
Amount delinquent: $245 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: daisygirl2 Borrower's state: Maryland Borrower's group: PsychDoc's Group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 620-639 (Latest)
Principal borrowed: $6,001.00< 31 days late: 0 ( 0% )  
620-639 (Jan-2010)
620-639 (Oct-2009)
600-619 (Nov-2006)
620-639 (Nov-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to? consolidate debts, and expand my home based business.

My financial situation:
I am a good candidate for this loan because? I have completed a previous prosper loan on time, and my home business profits are increasing.
I have paid off the delinquent item that was disputed on my credit rating.
Monthly net income: $ mine? $1800??? ,? household? income?? $3300

Monthly expenses: $?? for household ... $3013
??Housing: $ 1462
??Insurance: $ 153
??Car expenses: $ 359
??Utilities: $ 330
??Phone, cable, internet: $ 245
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 114
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460847
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $85.05
 
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: Feb-1995 Debt/Income ratio: 60%
Basic (1-10): 7 Inquiries last 6m: 5Employment status:Retired
Enhanced (1-5):1 Current / open credit lines: 18 / 14Length of status:4y 8m
Credit score: 700-719 (May-2010) Total credit lines: 51Stated income:$25,000-$49,999
Now delinquent: 0 Revolving credit balance: $988 
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: tobby01 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 / 2 On-time: 15 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,900.00< 31 days late: 0 ( 0% )  
700-719 (Apr-2010)
700-719 (Nov-2009)
620-639 (Aug-2009)
640-659 (Sep-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 15  
Description
NEED HELP ASAP
Purpose of loan:
This loan will be used to? PAY OFF TAXES

My financial situation:
I am a good candidate for this loan because??? .?I AM A TRUSTWORTHY PERSON.?THIS WILL BE MY THIRD LOAN WITH PROSPER AND WITH NO LATE PAYMENTS.?
Monthly net income: $?3600 MONTH?? 650.00 PENSION???
Monthly expenses: $
??Housing: $?500.00 ??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 49.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $
??Credit cards and other loans: $?30.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460853
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.44% Starting borrower rate/APR: 9.44% / 9.78% Starting monthly payment: $320.05
 
Auction yield range: 2.99% - 8.44% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.94%  
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-1988 Debt/Income ratio: 31%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 9Length of status:20y 5m
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 460855
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 21.00% Starting borrower rate/APR: 22.00% / 24.26% Starting monthly payment: $381.90
 
Auction yield range: 10.99% - 21.00% Estimated loss impact: 10.51%  
Lender servicing fee: 1.00% Estimated return: 10.49%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-2008 Debt/Income ratio: 14%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 2 / 2Length of status:6y 1m
Credit score: 740-759 (Jun-2010) Total credit lines: 5 Occupation: Skilled Labor
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: marketplace-telescope5 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
todo
Purpose of loan:
This loan will be used to?purchase items for a small business growth.

My financial situation:
I am a good candidate for this loan because? i am very responsible,always pays back on time and absolutely reliable.

this will come a great help for me and I will truly appreciate it.
Monthly net income: $ 1600

Monthly expenses: $ 400
??Housing: $
??Insurance: $ 300;?pay on a 6 month basis
??Car expenses: $?62? gas
??Utilities: 37$
??Phone, cable, internet: 165$
??Food, entertainment: $50
??Clothing, household expenses $ less than $40
??Credit cards and other loans: $0
??Other expenses: $30
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460867
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 16.99% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-2002 Debt/Income ratio: 9%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 6 / 6Length of status:1y 9m
Credit score: 680-699 (May-2010) Total credit lines: 12 Occupation: Attorney
Now delinquent: 2 Revolving credit balance: $749Stated income:$100,000+
Amount delinquent: $10,484 Bankcard utilization: 6%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: terrific-greenback124 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
Paying for young son's school!
Purpose of loan:
My adopted 12 year old has behavioral problems that have required me to have him in a private school that deals with those issues. Due to paying for my oldest son's college, I need assistance in making the initial payment for next year's (2010-11) schooling, which has to be in by the end of June.

My financial situation:
I am a good candidate for this loan because I am employed and have been steadily employed as a professional (attorney) for the last 23 years. I am working through my other credit issues by making payments as much as I can, those will increase once my oldest son graduates from college.

Monthly net income: $ 7100

Monthly expenses: $
??Housing: $ 665
??Insurance: $ 280
??Car expenses: $600
??Utilities: $ 100
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ 2000 (son in college)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460873
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.34% Starting borrower rate/APR: 10.34% / 12.45% Starting monthly payment: $243.20
 
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: Oct-1999 Debt/Income ratio: 21%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 7Length of status:4y 1m
Credit score: 780-799 (May-2010) Total credit lines: 17 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $4,166Stated income:$50,000-$74,999
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
My loan for home improvement
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460877
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,600.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 33.00% Starting borrower rate/APR: 34.00% / 36.44% Starting monthly payment: $205.49
 
Auction yield range: 7.99% - 33.00% Estimated loss impact: 8.80%  
Lender servicing fee: 1.00% Estimated return: 24.20%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1975 Debt/Income ratio: 106%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 13 / 12Length of status:1y 0m
Credit score: 700-719 (May-2010) Total credit lines: 20 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $67,070Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 54%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: unabashed-finance5 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
Great Credit - Consolidating cards
Purpose of loan:? This loan will be used to? consolidate and close credit card accounts.??

? I am consolidating my Chase Card and part of Capital One.

My financial situation:? I have 35 years of excellent credit!????

? I worked for a bank for 15 years,?owned a successful business for 15 years.? Now working on an amicable divorce ? we get along well, just time to move on.

?? I will be getting half the equity on a large house and our country store and gas station once it sells. Due to the economy we are waiting on the sale. In the meantime I am an executive manager for a Habitat for Humanity in Southern AZ and want to get my credit cards consolidated.

? This will be the first of 3 loans over the next few years ? I have never had a delinquency and never intend to!

? Please note that my debt-to-income ratio, based upon the credit report, is untrue.? The mortgage of $1,100/month and the $50K revolving line of credit at Chase Bank are actually paid by the business and my husband.?????

? I have gone over my plan with a family friend (Jguide) who is lending a good portion of this and I would never default on a family friend!

Monthly net income: $ 2,045.00
Monthly expenses: $ 1575.00??
Housing: $ 500.??
Insurance: $ 50.??
Car expenses: $100.???
Utilities: $ 100.??
Phone, cable, internet: $100.???
Food, entertainment: $ 150.??
Clothing, household expenses $75.???
Credit cards and other loans: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460885
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1993 Debt/Income ratio: 65%
Basic (1-10): 3 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 15 / 13Length of status:1y 7m
Credit score: 640-659 (Jun-2010) Total credit lines: 35 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $13,502Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 58%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: camaraderi-guru 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
Eliminate Credit Cards Debts
Purpose of loan:
This loan will be used for paying off debts.

My financial situation:

I need a helping hand to pull me out of my drowning debts. That is why I?am asking for?this loan amount, the loan?will help me become debt-free. I am a good candidate for this loan because I am very responsible when it comes to making my current monthly credit card payments. I feel this loan will?be my survivor in?eliminating my debts?so I can be able?to have a clean start?in being debt free. I know by asking for this amount I will be able to pay off all of my debts and I?can concentrate on solely paying of this loan and not having to worry about making different payments every month. I will be able to put some money away into a savings acct, which?will be great change :-).??I feel I just got way over my head in debts by wanting things I?didn't need but felt I had to have. I was not focusing on the important things in life which should have been saving instead of spending. ?I feel this loan will play a major part in regaining control of my financial situation. I am older and wiser and will make better money decisions in the long run. Thank you for your help!

Monthly net income: $ 30,000

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Monthly net income: $ 30,000

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Monthly net income: $ 30,000

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Monthly net income: $ 30,000

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 460889
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1995 Debt/Income ratio: 10%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 15 / 15Length of status:25y 5m
Credit score: 600-619 (May-2010) Total credit lines: 43 Occupation: Professional
Now delinquent: 2 Revolving credit balance: $4,161Stated income:$100,000+
Amount delinquent: $18,828 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 7    
Screen name: stjresources 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: 23 ( 100% ) 600-619 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
600-619 (Apr-2010)
600-619 (May-2008)
600-619 (Apr-2008)
 
Principal balance: $376.04 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Need help with mortgage payments
Purpose of loan:

This loan will be used to?pay for to catch up on my mortgage and gas and electric payments. I tried to save money by switching from Baltimore Gas & Electric to another provider. The new provider did not have budget billing, as did BG&E. I ended up with a one month Gas and Electric bill totaling 1184.00. I changed back to BGE, but the process took 2 months. My next bill was $700.00. I used my income tax return to pay down the high BGE bill or have my service terminated. Much too cold this winter for that. The income tax was supposed to be used to catch up on the mortgage; I was and am running one month behind. None of the new programs help you until you are 3 months behind, then you have to take the chance you will be approved.??It seemed all of my credit cards went berserk over the winter months, probably trying to beat the new credit card laws.? My elderly?parents (77 and 90) had?severe health problems over the winter months resulting in high cell phone bills- calls to doctors, nurses, rehabilitation facilities, mobility rides to appointments, special medication, etc. The cell phone bill went from 104 to 241 to 365.?I had to pay those so my parents could keep in touch.??Everything seems to have calmed down now.?Social services is helping to pay for the medicals and I added?my parents' phone onto a special plan so all calls to and from them are free.? This loan?along with my pay will enable me to?catch up on both the BGE and the mortgage and stay current.?I have a previous loan with Prosper, which was 2500.00. It has?been paid on time each month and is now down to less than 400.00.??

Monthly net income: $ 6,000.

Monthly expenses: $
??Housing: $ 2077
??Insurance: $ 52.00 (Life)
??Car expenses: $?145 (insurance) 80. (Gas)
??Utilities: $?563.0(budget billing)
??Phone, cable, internet: $ 139.?+214. +171.
??Food, entertainment: $ 100.00.
??Clothing, household expenses $ 80.00
??Credit cards and other loans: $ 130.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460891
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-2003 Debt/Income ratio: 27%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 6 / 6Length of status:4y 5m
Credit score: 640-659 (Jun-2010) Total credit lines: 11 Occupation: Sales - Retail
Now delinquent: 1 Revolving credit balance: $3,430Stated income:$25,000-$49,999
Amount delinquent: $95 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: laudable-p2p 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
Fill an Existing order
Purpose of loan:
I am a partner in a headwear company. We have an existing purchase order to deliver with a chain store retailer and need to pay the total production cost to the manufacturer. Our P.O. is net 30 and this would basically be a bridge loan for us.

My financial situation:
I work a regular 9 to 5 and the headwear project is something I do with my partner. I really want to get my feet wet with Prosper. Pay this loan off quickly and hopefully begin a loan in a larger amount with some good referrals from Prosper loanees.

Monthly net income: $ 2,800

Monthly expenses: $
??Housing: $ 500
??Insurance: $ 300
??Car expenses: $ 300
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 100
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460897
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.0%  
   
 
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: 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-1999 Debt/Income ratio: 52%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 7Length of status:6y 1m
Credit score: 680-699 (May-2010) Total credit lines: 29 Occupation: Administrative Assi...
Now delinquent: 2 Revolving credit balance: $970Stated income:$1-$24,999
Amount delinquent: $1,138 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: enriched-yield 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
Consolidating Bills And Delinquent
Purpose of loan: This loan will be used to pay off two accounts that are in collections that are showing delinquent, consolidate two credit cards and help with rebuilding my credit by paying off delinquent accounts! The Two collection accounts are one to Gold?s Gym and the other is a Medical Bill for oral surgery. The Gold?s Gym account was to be put on hold until we were ready to use it again and then we received notice from a collection agency.


My financial situation: I am a good candidate for this loan because I have been paying all my current bills on time. Our last late Payment was in June of 2008. All our current obligations have been paid on time. My husband and I are both employed fulltime and not in risk of being laid off. I just received a raise at work and my husband?s next review is in July and he will also get a substantial raise.

Employment: I have been employed with same company for 6 years. Husband has been employed with same company for 3 years.

Public Record: This item was with our State Taxes and that balance was paid in full in timely fashion.



Monthly net income: $3800.00 includes husbands wages (varies with husbands overtime)

Monthly expenses:
Housing: $ 890.00
Insurance: $ 94.50
Car expenses: $ 515.00 Auto Loan will be paid in full By Feb 2011
Utilities: $ 450.00 Also Includes Phone and Internet
Food, entertainment: $ 400
Credit cards: $ 450.00 This is for Credit Card Balances. Aprox Payoff is 13 months.
Medical: $75.00
Childcare: $300.00

Thank You For Your Help!

I would rather have an individual receive the interest money I pay monthly rather than Credit Card Companies and Banks!!!!!

If you have any questions please feel free to ask questions.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460901
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-1994 Debt/Income ratio: 23%
Basic (1-10): 9 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 16 / 15Length of status:16y 5m
Credit score: 660-679 (Jun-2010) Total credit lines: 36 Occupation: Other
Now delinquent: 0 Revolving credit balance: $17,567Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 48%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: market-welder 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 my rent and immediate bills
Purpose of loan:
This loan will be used to? Pay my rent and immediate bills. The reason of this loan is that I had an unexpected car break down which cost me about $400.00 and unbalanced my payments.

My financial situation:
I am a good candidate for this loan because?
I always pay my bills on time
Monthly net income: $ 40000.00

Monthly expenses: $ 3000.00
??Housing: $ 730.00????????
??Insurance: $ 148.00
??Car expenses: $ 450..
??Utilities: $ 50.00
??Phone, cable, internet: $ 110.00
??Food, entertainment: $?300.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 600.00
??Other expenses: $ 400.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460907
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 26.00% Starting borrower rate/APR: 27.00% / 29.33% Starting monthly payment: $93.90
 
Auction yield range: 16.99% - 26.00% Estimated loss impact: 19.50%  
Lender servicing fee: 1.00% Estimated return: 6.50%  
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: Sep-1990 Debt/Income ratio: 31%
Basic (1-10): 4 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 13 / 10Length of status:2y 10m
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
Hoping to Consolidate 2 more
Purpose of loan:
To consolidate two accts: 1. int. rate raised from 9.9 to 28.99 and pay off one in collection, which will save me $130 monthly and interest costs 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: $ 4600

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: $ 880
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460915
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,400.00 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: $97.02
 
Auction yield range: 10.99% - 25.25% Estimated loss impact: 10.62%  
Lender servicing fee: 1.00% Estimated return: 14.63%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1982 Debt/Income ratio: 7%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 5Length of status:0y 9m
Credit score: 640-659 (Jun-2010) Total credit lines: 21 Occupation: Professional
Now delinquent: 2 Revolving credit balance: $2,476Stated income:$50,000-$74,999
Amount delinquent: $4,250 Bankcard utilization: 26%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 47    
Screen name: shellydk Borrower's state: Colorado Borrower's group: HARD MONEY LOANS
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 35 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
640-659 (Jun-2007)
 
Principal balance: $184.92 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Get out of the Payday Loan trap
Purpose of loan:
This loan will be used to? end the current Payday Loan cycle I am in, and end them forever.

My financial situation:
I am a good candidate for this loan because? I have made every payment on time for my current Prosper Loan and am about to pay it off. I will pay off this loan early.

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 1600
??Insurance: $ 125
??Car expenses: $ 100
??Utilities: $ 100
??Phone, cable, internet: $ 140
??Food, entertainment: $ 400
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460917
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 14.13% Starting monthly payment: $365.36
 
Auction yield range: 10.99% - 11.00% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.77%  
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: Sep-1996 Debt/Income ratio: 35%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:11y 8m
Credit score: 740-759 (Jun-2010) Total credit lines: 17 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,828Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 10%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: sunshine089 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 bills
Purpose of loan:
This loan will be used to? pay off some bills and loans

My financial situation:
I am a good candidate for this loan because? i am? a good risk and pay all my bills on time

Monthly net income: $ 2000

Monthly expenses: $
??Housing: $ 300
??Insurance: $ 70
??Car expenses: $ 421
??Utilities: $ 100
??Phone, cable, internet: $ 40
??Food, entertainment: $ 100
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 100
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460919
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1977 Debt/Income ratio: 30%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 17 / 14Length of status:0y 6m
Credit score: 660-679 (Jun-2010) Total credit lines: 38 Occupation: Executive
Now delinquent: 1 Revolving credit balance: $14,294Stated income:$75,000-$99,999
Amount delinquent: $4,897 Bankcard utilization: 41%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 9    
Screen name: vivid-bazaar9 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Tuition for child
Purpose of loan:
This loan will be used to? help finish tuition payments so child can graduate with his class, and have official transcript available for college.Fell behind on tuition payments because of lay-off in late 2008.

My financial situation:
I am a good candidate for this loan because? I am back in the work force in a good paying, secure position. Was laid off late 2008 and as a result, things really piled up. Have been steadily and diligently paying down the debt incurred. At the beginning of the school year I owed $26K and have whittled that amount down to $12K.

Monthly net income: $ 8000

Monthly expenses: $
??Housing: $ 1700
??Insurance: $ 150
??Car expenses: $ 300
??Utilities: $ 100
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 3000
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460925
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.00% Starting borrower rate/APR: 12.00% / 14.13% Starting monthly payment: $332.14
 
Auction yield range: 10.99% - 11.00% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.77%  
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: Sep-2006 Debt/Income ratio: 28%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 6Length of status:2y 10m
Credit score: 760-779 (Jun-2010) Total credit lines: 13 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $6,245Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 51%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: peace-refresher 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
Help me educate young children
Purpose of loan:
Help start a preschool that will educate our 21st century children. I have won a business plan sponsored by the University of Maryland and want to move forward in pursuing my dream of owning a preschool. The first site will be out of my home (opening Dec 2010) and I will look to upgrade to a larger facility within one year. This loan will be used to purchase school equipment and cover marketing costs.

Feel free to visit our website: www.leadingstartkids.com for more information about our approach to preschool. This is a truly unique opportunity, this preschool will emphasize science, leadership, social entrepreneurship and daily Mandarin Chinese instruction.

My financial situation:
I will do whatever it takes to get the job done. I have a true passion for education and am willing to put the sweat, blood and tears to making this venture work and pay back all loans I incur. I am currently pursuing my MBA degree and thus cannot work full time, however I do work at least 25 hours a week (during the fall) and full time during the summer. I need some cash to help purchase equipment so that the school will be up and running while I am still in school. I graduate in May 2011 (University of MD, Robert H. Smith School of Business).

Monthly net income: $ 5,500 ($3000 from rental income and $2500 job income)

Monthly expenses: $
??Housing: $ none (I have rental income that covers all mortgage and utility costs)
??Insurance: $
??Car expenses: $ 400.00 (includes car note)
??Utilities: $
??Phone, cable, internet: $ 80.00
??Food, entertainment: $
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460927
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.25% Starting borrower rate/APR: 9.25% / 11.35% Starting monthly payment: $159.58
 
Auction yield range: 3.99% - 8.25% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.13%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1997 Debt/Income ratio: 32%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 5Length of status:7y 10m
Credit score: 740-759 (Jun-2010) Total credit lines: 49 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $15,883Stated 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: balance-statue 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
unexpected bill
Purpose of loan:
This loan will be used to have a mobile home move to another location.

My financial situation:
I am a good candidate for this loan because I am on time with paying my bills.? On some ocassions, my balances are paid off before payoff date.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460931
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 26.29% Starting monthly payment: $156.93
 
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: Jan-2000 Debt/Income ratio: 17%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 4Length of status:7y 3m
Credit score: 700-719 (Jun-2010) Total credit lines: 11 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $11,978Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 100%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: sewerfox 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 / 2 On-time: 21 ( 100% ) 700-719 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
600-619 (Mar-2008)
560-579 (Aug-2007)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 21  
Description
Updating My House To Save Energy
Purpose of loan:
I purchased a nice house in Los Angeles and during some of my improvements I noticed a couple issues that will need corrected very soon: a new more economical water heater and a new central air system evaporator. I want to make both improvements before the start of the LA hot season which is why I am requesting a loan.
Thanks for your time and consideration.

My financial situation:
I spent most of my savings and my extra monthly cash on putting my wife through college and on needed house improvements (electrical, insect spraying, replacement sidewalk). I have a very secure job which pays well and my wife is also accepting a job offer in her career field (product design). I have had two prior prosper loans and both went very well with NO late payments.

Monthly net income: $ 5143.77

Monthly expenses: $
??Housing: $ 2435
??Insurance: $ 114
??Car expenses: $ 488
??Utilities: $?200
??Phone, cable, internet: $ 49.95
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 180
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460933
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $222.98
 
Auction yield range: 7.99% - 19.00% Estimated loss impact: 8.44%  
Lender servicing fee: 1.00% Estimated return: 10.56%  
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-2001 Debt/Income ratio: 15%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:15y 9m
Credit score: 720-739 (May-2010) Total credit lines: 13 Occupation: Tradesman - Mechani...
Now delinquent: 0 Revolving credit balance: $14,884Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 80%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: dn0337 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 19 ( 100% ) 720-739 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
640-659 (May-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to high interest credit cards

My financial situation:
I am a good candidate for this loan because i have good income and pay all my bills on time

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 864.00
??Insurance: $ 60.00
??Car expenses: $ 150.00
??Utilities: $ 80.00
??Phone, cable, internet: $ 35.00
??Food, entertainment: $ 150.00
??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 460935
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-1993 Debt/Income ratio: 48%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 8 / 7Length of status:2y 3m
Credit score: 660-679 (Jun-2010) Total credit lines: 51 Occupation: Other
Now delinquent: 0 Revolving credit balance: $9,239Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: worlds-best-affluence5 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
Pay off Loan for Home Repairs
Purpose of loan:
This loan will be used to help pay off private loan used to minor repairs on my home.
My financial situation:
I am a good candidate for this loan because I pay my bills on time.?

Monthly net income: $

Monthly expenses: $
??Housing: $1200
??Insurance: $
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 317
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460937
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 12.99% Starting borrower rate/APR: 13.99% / 17.64% Starting monthly payment: $34.17
 
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: Dec-1983 Debt/Income ratio: Not calculated
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Part-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 8Length of status:0y 4m
Credit score: 720-739 (Jun-2010) Total credit lines: 12 Occupation: Other
Now delinquent: 1 Revolving credit balance: $1,011Stated income:$1-$24,999
Amount delinquent: $490 Bankcard utilization: 10%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: return-spy4 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
Switching Jobs, need advance
Hi,

I spent the last three month's coaching youth lacrosse which occupied a lot of my time. Now the season is over, and my pay is reduced for off-season activities. I started a new job, but do not get paid for 2 weeks. I need a cash advance to pay bills this month since I will not receive my paycheck in time.

Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460943
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.99% Starting borrower rate/APR: 17.99% / 20.20% Starting monthly payment: $234.96
 
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: Aug-1987 Debt/Income ratio: 12%
Basic (1-10): 4 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 5Length of status:7y 5m
Credit score: 700-719 (Jun-2010) Total credit lines: 27 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $8,992Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 2 Homeownership: Yes  
Delinquencies in last 7y: 11    
Screen name: yield-oboe 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
New A/C
Purpose of loan:
This loan will be used to?I am streamlining my current loan from 6.5% fixed to 5.25% fixed w/ no appraisal. When I?financed through my gas company they have a UCC w/ the tax office.?payoff at closing would?be for $5376.06. I would have to have this paid to close my streamline. This will save me 200.00 per month as well.

Thanks! I would like a 48-60 month loan.

My financial situation:
I am a good candidate for this loan because? I am never late w/ payments?

Monthly net income: $ 3800.00

Monthly expenses: $ 2000.00
??Housing: $ 1272.00
??Insurance: $ 80.00
??Car expenses: $
??Utilities: $ 200.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $
??Credit cards and other loans: $ 200.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460945
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1993 Debt/Income ratio: 30%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 10Length of status:2y 11m
Credit score: 640-659 (May-2010) Total credit lines: 23 Occupation: Truck Driver
Now delinquent: 0 Revolving credit balance: $5,261Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: RMC66 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 25 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
620-639 (Apr-2009)
640-659 (Mar-2008)
640-659 (Feb-2008)
520-539 (Jan-2008)
 
Principal balance: $1,089.21 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Pay Off High Rate Credit Cards
Purpose of loan:
This loan will be used to pay off credit cards with high interest rates.

My financial situation:
I am a good candidate for this loan because I pay all of my bills on time every month. I have a current Prosper loan, that will be paid off in April 2011, and have never been late or missed a payment.? The public record on my credit report is due to filing bankruptcy that was discharged 9 years ago. Since then, I have paid all of my bills on time. I do not have any delinquent accounts, so I don't know why one is listed. I will have to investigate that with the credit bureau.? Please consider helping me, You will be paid back. Thank You.

Monthly net income: $ 4400

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 460949
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 33.29% Starting borrower rate/APR: 34.29% / 36.73% Starting monthly payment: $89.67
 
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: Sep-1995 Debt/Income ratio: 12%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 7Length of status:3y 2m
Credit score: 680-699 (Jun-2010) Total credit lines: 14 Occupation: Administrative Assi...
Now delinquent: 1 Revolving credit balance: $1,938Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: the-transaction-producer 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 credit cards
Purpose of loan:
This loan will be used to?consolidate credit cards.?

My financial situation:
I am a good candidate for this loan because? this loan would provide me one low monthly payment to pay off my credit cards.

Monthly net income: $ 1,100.00

Monthly expenses: $
??Housing: $ 200.00
??Insurance: $ 50.00
??Car expenses: $
??Utilities: $ 100.00
??Phone, cable, internet: $ 30.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 120.00????
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460963
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 6.00% Starting borrower rate/APR: 7.00% / 9.07% Starting monthly payment: $154.39
 
Auction yield range: 3.99% - 6.00% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 3.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1989 Debt/Income ratio: 6%
Basic (1-10): 8 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 25 / 24Length of status:11y 5m
Credit score: 780-799 (Jun-2010) Total credit lines: 70 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $13,802Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 3%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Halos2002 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: 9 ( 100% ) 780-799 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
780-799 (Mar-2010)
800-819 (Aug-2009)
 
Principal balance: $0.24 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Invest in Propser
Purpose of loan:
This loan will be used to? reinvest in prosper borrowers

My financial situation:
I am a good candidate for this loan because? I have excellent credit and no debt.? Additionally, I own over 2M in real estate with a little over 1.2M in equity.? I had a previous Prosper loan that we repaid in 9 months.? Thank you for your consideration.? Brad
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460973
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1989 Debt/Income ratio: 5%
Basic (1-10): 4 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:6y 10m
Credit score: 700-719 (Jun-2010) Total credit lines: 7 Occupation: Other
Now delinquent: 1 Revolving credit balance: $481Stated income:$25,000-$49,999
Amount delinquent: $249 Bankcard utilization: 31%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: bid-whistle 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
Farm Girl needs to pay hospital
Purpose of loan:
This loan will be used to? pay outstanding hospital bill.(Was diagnosed with lyme diease and did not have insurance)

My financial situation:
I am a good candidate for this loan because? I am a hard worker and have been at my job for 7 years now.I work for a registered cattle operation and I am here 24/7 .????????

Monthly net income: $ 1150.

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 125.00????
??Food, entertainment: $ 350.????
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 15.00
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460981
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1989 Debt/Income ratio: 13%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 9Length of status:2y 8m
Credit score: 680-699 (Jun-2010) Total credit lines: 46 Occupation: Nurse (RN)
Now delinquent: 3 Revolving credit balance: $3,959Stated income:$100,000+
Amount delinquent: $478 Bankcard utilization: 15%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 28    
Screen name: fund-wildcat9 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit card
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 have gotten back on track, work two jobs

Monthly net income: $ 8,000

Monthly expenses: $ 4,000
??Housing: $ 1900.
??Insurance: $ 175
??Car expenses: $ 500
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460995
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1983 Debt/Income ratio: 19%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 7Length of status:4y 1m
Credit score: 780-799 (May-2010) Total credit lines: 19 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $27,668Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 50%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: admirable-nickel7 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
Consolidating Debt
Purpose of loan:
Refinance High Interest DebtMy financial situation: My employer has survived a rough downturn and is now in a strong financial position with good projected revenues. I feel that I am now in a good position to eliminate my debt. Most of it was created during the downturn, and having an extra house that took a year to sell in 2008. I'm starting with high interest credit cards. Monthly net income: $ 6300 (current)
Monthly expenses: Housing: $2106 Insurance: $228 (this will soon be reduced by about $60 per month) Car expenses: $310 Utilities: $200 (electric) Phone, cable, internet: $200 Food, entertainment: $400 Clothing, household expenses $200 Credit cards and other loans: $911Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 461001
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1998 Debt/Income ratio: 14%
Basic (1-10): 4 Inquiries last 6m: 3Employment status:Retired
Enhanced (1-5):3 Current / open credit lines: 8 / 7Length of status:0y 5m
Credit score: 640-659 (May-2010) Total credit lines: 15Stated income:$25,000-$49,999
Now delinquent: 1 Revolving credit balance: $2,588 
Amount delinquent: $0 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: CyberKnight13 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off bills
Purpose of loan:
I am requesting a loan so that I can pay off some bills.

My financial situation:
I am in the process of rebuilding my credit and as such have spent most extra money to pay off debts.? I am in the position now where my credit is steadily improving and I have a better understanding now of what I need to do to protect it.? My credit was initially destroyed during my divorce years ago and since I have been learning and working to rebuild it.? I am retired now due to a military injury and have steady monthly income that will not go away.? I also am in the process of increasing that income through other federal and state programs.

Monthly net income: $ 3082.00 (expected to increase to 4082.00 within a year)

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 100
??Car expenses: $200
??Utilities: $ 100
??Phone, cable, internet: $200
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $200
??Other expenses: $ 600 (child support)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 461007
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 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): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 5Length of status:2y 5m
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
great payment history with prosper
Purpose of loan:
This loan will be used to payoff my credit cards

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.,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 4000.00 net

Monthly expenses: $
??Housing: $ 900
??Insurance: $ 80
??Car expenses: $ 0
??Utilities: $ 100
??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 461019
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 21.69% Starting borrower rate/APR: 22.69% / 24.96% Starting monthly payment: $96.37
 
Auction yield range: 7.99% - 21.69% Estimated loss impact: 8.51%  
Lender servicing fee: 1.00% Estimated return: 13.18%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1990 Debt/Income ratio: 33%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 17 / 11Length of status:3y 2m
Credit score: 700-719 (Jun-2010) Total credit lines: 43 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $33,213Stated 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: asset-recruiter6 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
Fixing AC unit
Purpose of loan:
This loan will be used to? fix ac unit

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

Monthly net income: $ 1300.00

Monthly expenses: $
??Housing: $ 1245.00
??Insurance: $ 100.00
??Car expenses: $ 800.00
??Utilities: $ 100.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $
??Credit cards and other loans: $ 100.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 461025
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $212.26
 
Auction yield range: 7.99% - 29.00% Estimated loss impact: 8.70%  
Lender servicing fee: 1.00% Estimated return: 20.30%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1996 Debt/Income ratio: 7%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 5Length of status:5y 7m
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. 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 am the Director of Technology of a prominent company (have been a Director for 5 years) and have been in?IT for 20 years.

Thanks for?the bids?on the previous Prosper listing that did not get funded. I have decreased the loan amount (which improved the Prosper rating) and also have increased the interest rate dramatically on this new listing in the hopes that it will fund and we can bring our baby home. Thank you.?
Gross income: $9583
Monthly net income: $6800 Expenses:
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 461037
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
 
Auction yield range: 16.99% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1995 Debt/Income ratio: 20%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 5Length of status:15y 8m
Credit score: 600-619 (May-2010) Total credit lines: 32 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $7,481Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 7    
Screen name: tanker07 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: 0 / 1 On-time: 8 ( 89% ) 600-619 (Latest)
Principal borrowed: $1,500.00< 31 days late: 1 ( 11% )  
640-659 (Oct-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Buying New Motorcycle
Purpose of loan:? To purchase motorcycle (explain what you will be using this loan for)
.?? My financial situation:? Purchasing a motorcycle for work.

Monthly net income: $ 5,000.00
Monthly payments:$2,800.00

Monthly expenses: $?
??Housing: $ 1045.00 Insurance: $ 82.00
??Car expenses: $ 420.00
??Utilities: $ 120.00
??Phone, cable, internet: $ 110.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $?40??
??Credit cards and other loans: $ 220.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 461049
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1993 Debt/Income ratio: 31%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 10 / 10Length of status:4y 5m
Credit score: 660-679 (Jun-2010) Total credit lines: 58 Occupation: Accountant/CPA
Now delinquent: 3 Revolving credit balance: $25,129Stated income:$50,000-$74,999
Amount delinquent: $8,470 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 17    
Screen name: asset-fortress Borrower's state: Minnesota 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
Attorney retainer/court filing fees
Purpose of loan:
This loan will be used to? pay for attorney retainer fee and any court filing fees to change custody of my stepson and eliminate child support of $650/month.

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 461061
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,800.00 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: $352.84
 
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-1984 Debt/Income ratio: 15%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:20y 8m
Credit score: 640-659 (Jun-2010) Total credit lines: 25 Occupation: Other
Now delinquent: 4 Revolving credit balance: $1,747Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 104%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 2    
Screen name: 12workhard Borrower's state: Washington Borrower's group: Brighter Financial Future
Credit and homeownership information was obtained 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 / 3 On-time: 52 ( 100% ) 640-659 (Latest)
Principal borrowed: $9,350.00< 31 days late: 0 ( 0% )  
640-659 (Sep-2008)
600-619 (Sep-2007)
600-619 (Jun-2007)
 
Principal balance: $1,374.25 31+ days late: 0 ( 0% )
Total payments billed: 52  
Description
Dental Work and Credit Card
First I want to thank everyone for looking at my loan request, and also know I have never missed a payment with any Prosper loan I have had.? I have never been late either.? (check history).? I have AA payment history with a C credit rating.

Purpose of loan:
This loan will be used to? I would like to use this loan to pay for some dental work, I need two dental implants and my insurance doesn't cover enough of it.? My dentist does not take payments so I need to pay him off in full.? I started the process before I knew he didn't take payments.? I would like to finish what I started with him and need $6000 for that and the rest of the loan will pay off my credit cards.? Once those are paid and gone my credit score will go up even more.?? It has gone up over 40 points here on Prosper, because I have never missed or was late on a payment.

I am starting the interest rate high hoping to get funded and having it bid down some.? My payment history is top notch and perfect.?

My financial situation:
I am a good candidate for this loan because? I am a good candidate because I will never miss a payment.? Everyone who bids on me will get there money back and make good interest rate.? My debt to imcome ratio is very good.? I have paid off two Prosper loans early.

Monthly net income: $ 5600

Monthly expenses: $ 1730
??Housing: $ 500 (share a condo with a friend)
??Insurance: $ 150
??Car expenses: $ 560
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 150
??Clothing, household expenses $?80
??Credit cards and other loans: $ 150
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 461067
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,700.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 21.69% Starting borrower rate/APR: 22.69% / 24.96% Starting monthly payment: $65.53
 
Auction yield range: 7.99% - 21.69% Estimated loss impact: 8.51%  
Lender servicing fee: 1.00% Estimated return: 13.18%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1993 Debt/Income ratio: 12%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:5y 10m
Credit score: 700-719 (Jun-2010) Total credit lines: 14 Occupation: Teacher
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: dynamic-trade5 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
returning to college
Purpose of loan:
This loan will be used to? begin working on my Master's degree.?
My financial situation:
I am a good candidate for this loan because?the only?debt I have besides my house is another personal loan which?is in good standing?

Monthly net income: $
$3000
Monthly expenses: $
??Housing: $?650
??Insurance: $ 0
??Car expenses:?0
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 287
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 461073
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,400.00 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: $271.83
 
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: Nov-1994 Debt/Income ratio: 16%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 14 / 13Length of status:12y 1m
Credit score: 700-719 (May-2010) Total credit lines: 34 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $31,673Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 55%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: bid-delight Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 8 ( 100% ) 700-719 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
600-619 (Oct-2008)
600-619 (Sep-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Proven Prosper Borrower
Purpose of loan:
This loan will be used to? Pay off GE credit card. They raised my rate to 19.99%. I've never missed a payment with them or anyone, ever.

My financial situation:
I am a good candidate for this loan because? This loan will be replacing existing debt at a lower rate. I have more than enough to meet monthly obligations, and am simply looking for cheaper debt. I paid off my last prosper loan after only 8 months as I said I would in the listing. This loan will likely be paid off over the 3 year period.


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 461085
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1988 Debt/Income ratio: 32%
Basic (1-10): 7 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 9Length of status:4y 8m
Credit score: 780-799 (Jun-2010) Total credit lines: 58 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $24,468Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 35%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: receptive-agreement7 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 credit cards.

My financial situation:
I am a good candidate for this loan because I have an excellent credit score, full time employment, and am a?home owner with equity.? The debt ratio is scewed on my credit report because I own a 3 unit building in San Francisco Pacific Heights (TIC)and the entire mortgage is placed on all 3?owner parties credit reports in full.? My portion owed is $525,000 and the market value of my flat today is $700,000.? In the past, banks allowed documentation of TIC structure to "true up" debt ratio, but no longer do.? This is why I cannot get a conventional bank loan.

Monthly net income: $ 7,500

Monthly expenses: $ 5,100
??Housing: $ 2800.
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 800
??Other expenses: $ 400 medical related
Information in the Description is not verified.