Listing Report:Supplement No. 19 dated Aug 16, 2010 to Prospectus dated Jul 26, 2010
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 26, 2010 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 26, 2010 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 322485
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 12.65% Starting borrower rate/APR: 13.65% / 17.29% Starting monthly payment: $51.01
 
Auction yield range: 5.89% - 12.65% Estimated loss impact: 5.16%  
Lender servicing fee: 1.00% Estimated return: 7.49%  
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 score (1-10): 8 First credit line: Oct-1959 Debt/Income ratio: 11%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:25y 4m
Amount delinquent: $0 Total credit lines: 22Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,693 
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: Beaner Borrower's state: Texas Borrower's group: Christian Opportunities
Credit and homeownership information was obtained 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% ) 740-759 (Latest)
Principal borrowed: $3,050.00< 31 days late: 0 ( 0% )  
700-719 (Jan-2008)
700-719 (Oct-2006)
700-719 (Oct-2006)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
My loan for debt consolidation
Purpose of loan: This loan will be used to consolidate medical & another minor debt. Also reduce payments.

I am a good Candidate for this loan because: I do not take my indebtedness lightly. I am a well seasoned citizen and am very careful with our expenditures, and my credit worthiness with Prosper is well documented which reflects my reliability. My Government retirement income which is debited directly into my banik account and the electronic deposit is always on time. No further obligations are anticipated.

My spouse's income net of $10,212 annually would also be involved in pay-back.
Current Income:
Gov. Retirement Monthly Gross $2793, Net $2549, Social Sec. $553, Net $457....Monthly Totals $3346, Net $3006.

Monthly Expenses:
Housing: $525
Insurance: $50
Car Expenses Incl. Insurance: $345
Utilities: $244
Phone, Cable, Internet: $145
Food, Entertainment: $300
Clothing, Household Expenses $100
Credit cards & other loans: $200 (Would be paid with this loan)






Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436825
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Feb-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 20 / 18Length of status:7y 7m
Amount delinquent: $0 Total credit lines: 60 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,135Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: Yes  
Screen name: Hollywood24 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 1 ( 100% ) 700-719 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
700-719 (Oct-2009)
660-679 (Sep-2008)
680-699 (Apr-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
Not HR look for yourself 2nd loan
HR why because I'm self-employed? Read my stats above?Improved 20 points since last loan must be doing some thing right. I have AA Credit history and always make my payments and have never skipped a beat. My Credit score is just under 720 because I have?a lot of credit and use it. I own?4 rental properties which are all rented and have been for the past?6 years. I have over 150k equity in my homes even after the drop in the market but I can't refi because of my score.?(What happen to my score?) My 5.9% fix for life $22,000 high credit limit?card dropped down to $12,000 high limit after I made a large charge needed to fix the AC and?wiring one of my rental properties after being hit by lighting.?I was going to refi one of my properties to a lower rate and pay off the card?but since the card company dropped my high limit before I couldn't refi. I've paid this card down to $3500 balance to help raise my score but then they lowered my limit to $4000 on that card keeping maxed out and still unable to get loan needed?to refi. I will use loan to pay two of my high rate cards?off totaling $3800 (that I only opened because my 5.9% card said if I used the card again before I pay it off they would raise the rate to the default even though I pay over on time every month) so I will be using the other $3500 to payoff this card so?my credit will level out and go back up.?I?am willing to pay a higher interest than?I have with?my card because?my score being low?hurts me much more than the interest you will be making off me and?if this is the price I have to pay to get my good score back so I can refi?then it?s worth it to me in the long run. The last prosper loan I received was at a much higher rate than I wanted so I paid it off early. I need this loan now so I can pay off these cards and take advantage of the great rates?that?s why I don't mind paying?the higher interest than I would if I kept the balances on the cards. Once I refi I will be saving more a month than this loan will cost me so consider this a?win win for both of us.?Feel free to ask me any questions.? And thanks for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 462287
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.6%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 12.35% Starting monthly payment: $498.21
 
Auction yield range: 2.89% - 11.00% Estimated loss impact: 1.56%  
Lender servicing fee: 1.00% Estimated return: 9.44%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Oct-1993 Debt/Income ratio: 5%
Credit score: 860-879 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 30 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,015Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: WBSpring 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
Shingo Training in Japan
Purpose of loan:
The loan will be used to send my wife on a Shingo study mission to Japan. She will see and experience first-hand what is at the heart of the lean business model through a series of plant tours, workshops, and peer-networking. This will truly be a life and career changing trip.

My wife's goal is to expand her knowledge and to share it with struggling small businesses. Most small businesses cannot afford to pay for a Lean Expert to help them improve processes and reduce costs, which will allow them to remain competitive in this economic environment.


Cost of trip:
Study mission: $9,200Airfare: $2,500 (non-stop)Meals and incidentals: $1,350Estimated Total: $13,050
NOTE: My employer is sending me to Vietnam for a few days during the same time frame. Since I will be in the area, I will be joining my wife for a portion of the trip. The additional loan proceeds of $1,950 will be used pay for the extra airfare, hotel and meal expenses during my side trip to Japan.


Combined monthly financials:
Gross Income: $16,000Taxes: -$6,000 (Fed / SS / Medicare)Mortgage: -$4,000 (w/ prop. taxes & ins)Utilities: -$650Insurance: -$400 (vehicle and medical)Other: -$3,000 (estimate of all other expenses)Subsidies: -$1000 (for disabled and elderly family members)NET: $950
Estimated monthly loan payment: -$500Estimated NET after loan payment: $450
Revolving credit is paid in-full monthly.

The trip expenses will be charged to a credit card and the loan proceeds will be used to prepay the charges.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 462453
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Nov-1985 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 8Employment status:Self-employed
Now delinquent: 2 Current / open credit lines: 9 / 8Length of status:2y 0m
Amount delinquent: $8,944 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $79,421Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: cozy-felicity6 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan for my business
Purpose of loan:
This loan will be used to?bring personal accounts used for business current.?

My financial situation:
I am a good candidate for this loan because?I have been responsible with my debt for over 25 years.? I have fallen behind due to a Herniated Disk in my back which has landed me in Physical therapy 4 times a week since April.? I am back on my feet and earning stable income again.

Monthly net income: $ 5,000

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 250
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $100
??Food, entertainment: $?200
??Clothing, household expenses $
??Credit cards and other loans: $700
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469339
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.2%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $271.14
 
Auction yield range: 13.89% - 17.00% Estimated loss impact: 14.95%  
Lender servicing fee: 1.00% Estimated return: 2.05%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1995 Debt/Income ratio: 14%
Credit score: 660-679 (Jul-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 2 Current / open credit lines: 5 / 5Length of status:5y 1m
Amount delinquent: $0 Total credit lines: 20 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $4,644Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: sincere-order9 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
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 470519
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 3 First credit line: Jun-2007 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:29y 7m
Amount delinquent: $0 Total credit lines: 3 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,249Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: top-visionary-integrity 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
New(to me) Car Needed
Purpose of loan:
This loan will be used to? get a different car. My current car needs work done on the transmission which will cost 800-1000. I would rather take that money and add it to the loan money to get a different vehicle. The old one is requiring more and more work to keep it on the road.

My financial situation:
I am a good candidate for this loan because? I always have and always will pay my
bills. I owe about 4500 on my credit cards right now. That is the most I have ever owed . It is that way because of a medical problem. I had colon cancer two years ago and with the 3 operations and missing some time from work, I?now?have a couple of debts. As?I?said I?owe 4500 on the credit cards and have gotten the medical bills down to about 1200. So I am gaining ground on all the bills.??


Monthly net income: $ 1800
Monthly expenses: $
??Housing: $ 505
??Insurance: $ 66
??Car expenses: $ 100
??Utilities: $ 50
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470697
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Oct-1980 Debt/Income ratio: 11%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 2 Current / open credit lines: 1 / 1Length of status:6y 4m
Amount delinquent: $369 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 2 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: credit-fields4 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
moving&amp;amp;amp;closing expenses
Purpose of loan:
This loan will be used to? move,make home improvements pay closing costs

My financial situation:
I am a good candidate for this loan because? i work long hours,drive over 100 miles a day to work, need to move closer

Monthly net income: $ 1400

Monthly expenses: $
??Housing: $ 80
??Insurance: $ 100
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471357
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 33.61% Starting monthly payment: $254.71
 
Auction yield range: 13.89% - 29.00% Estimated loss impact: 15.53%  
Lender servicing fee: 1.00% Estimated return: 13.47%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-1990 Debt/Income ratio: 23%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 11Length of status:7y 3m
Amount delinquent: $0 Total credit lines: 33 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,843Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: tdbear2030 Borrower's state: Georgia Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 34 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,500.00< 31 days late: 0 ( 0% )  
640-659 (Mar-2010)
620-639 (Mar-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
Putting on a new roof
Purpose of loan:
Putting on a new roof. We are needing a new roof and looking to put one on within the next few weeks.

My financial situation:
I have had a prosper loan before and it was paid on time everymonth? I have maintained my job for the past 7 years and my husband is employed with the goverment as a firefighter.

Monthly net income: $
My income 4333.00
My husbands 2100

Monthly expenses: $
??Housing: $ 1100????
??Insurance: $?75.00
??Car expenses: $?150 husbands fuel?(my car is a company and everything is paid for)
? Utilities: $ $500
??Phone, cable, internet: $ 250
??Food, entertainment: $ $400
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1000
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471359
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.6%  
   
 
Starting lender yield: 4.00% Starting borrower rate/APR: 5.00% / 5.33% Starting monthly payment: $239.77
 
Auction yield range: 2.89% - 4.00% Estimated loss impact: 1.54%  
Lender servicing fee: 1.00% Estimated return: 2.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Dec-1981 Debt/Income ratio: 8%
Credit score: 800-819 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 26 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,389Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: Yes  
Screen name: green-thoughtful-dime Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards.
Purpose of loan:
This loan will be used to pay off high interest credit cards?

My financial situation:
I am a good candidate for this loan because I have always paid on time, and will continue pay on time. Thanks for considering my request.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471363
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $206.40
 
Auction yield range: 13.89% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-1972 Debt/Income ratio: 7%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 3Employment status:Other
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:9y 1m
Amount delinquent: $0 Total credit lines: 26Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,455 
Delinquencies in last 7y: 1 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: a-p2p-balancer Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $ 3841.52
??Housing: $ 2076
??Insurance: $?133.32
??Car expenses: $ 369.00
??Utilities: $ 236
??Phone, cable, internet: $ 228.92
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 330
??Other expenses: $ 268.28
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471365
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $138.96
 
Auction yield range: 5.89% - 14.15% Estimated loss impact: 6.19%  
Lender servicing fee: 1.00% Estimated return: 7.96%  
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 score (1-10): 8 First credit line: Dec-1979 Debt/Income ratio: 17%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 12Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $39,855 
Delinquencies in last 7y: 0 Bankcard utilization: 71%  
   Homeownership: No  
Screen name: refined-coin6 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my debt
Purpose of loan:
This loan will be used to consolidate some of my debt with a lower APR.

My financial situation:
I am a good candidate for this loan because I have impeccable credit--always?pay on time.?

Monthly net income: $ 1500

Monthly expenses: $
??Housing: $ 0
??Insurance: $?0
??Car expenses: $ 0
??Utilities: $?60
??Phone, cable, internet: $ 90?
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $?350
??Other expenses: $ 560
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471369
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1993 Debt/Income ratio: 16%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:8y 6m
Amount delinquent: $0 Total credit lines: 12 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,336Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 101%  
   Homeownership: No  
Screen name: bold-gold-innovator 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
Become finanically stable.
Purpose of loan:
This loan will be used?to consolidate bills and help with expenses?

My financial situation:
I am a good candidate for this loan because I have the means to pay it back with interest ?

Monthly net income: $ 2600.00

Monthly expenses: $
??Housing: $ 650.00
??Insurance: $ 110.00
??Car expenses: $ 60.00
??Utilities: $ 300.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $?250.00
??Credit cards and other loans: $ 300.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471371
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $260.54
 
Auction yield range: 5.89% - 14.15% Estimated loss impact: 6.19%  
Lender servicing fee: 1.00% Estimated return: 7.96%  
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 score (1-10): 8 First credit line: Feb-1999 Debt/Income ratio: 19%
Credit score: 800-819 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 15Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 38 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: integrity-popcorn9 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
Consolidate CC from Grad School
Purpose of loan:
This loan will be used to consolidate credit card debt remaining from Grad School.
My financial situation:
I am a good candidate for this loan because of my clean credit history, good job working in financial planning and business development, and high level of education; a?Bachelors in Accounting,?a?Bachelors in Finance, and a Masters in Finance all from Villanova University.

Monthly?Gross income: $ 10,750

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471375
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jun-1989 Debt/Income ratio: 26%
Credit score: 840-859 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 26 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,870Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: Yes  
Screen name: payment-pillow 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
Personal Loan
Purpose of loan:
This loan will be used to? Get rid of Credit card debt

My financial situation:
I am a good candidate for this loan because?I always pay my bills early

Monthly net income: $ 4000

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 471381
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 22.50% Starting borrower rate/APR: 23.50% / 26.97% Starting monthly payment: $409.19
 
Auction yield range: 10.89% - 22.50% Estimated loss impact: 11.35%  
Lender servicing fee: 1.00% Estimated return: 11.15%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,207Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: radiant-repayment1 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
Newly Married Debt Consolidation
Purpose of loan:
This loan will be used to pay off high interest rate credit cards and consolidate all debt

My financial situation:
I am a good candidate for this loan because I make all my payments on time and would like to make one payment and feel like I am paying off debt.?I incurred this debt by moving to California?using my credit cards to get by in the beginning and wedding expenses.? The credit card company bumped the rates??back in January when they could?before the new credit act, for no good reason.?I would like to make one payment and feel like I am paying this debt off.? I am a cosmotologist that works 6-7 days a week, when you add in on call catering server, nanny, ?and receptionist at a gym.? I am in the 720- 739 credit score range.? All in all I just want to better my credit situation without the new husband taking?care of it?and to get out of debt to buy a house someday to raise a family.? Help from the prosper community would help!? Please feel to email with questions.? Thank you!!

Monthly expenses: $
??Housing: $
??Insurance: $ 75
??Car expenses: $?100
??Utilities: $ 100
??Phone, cable, internet: $?250
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 800
??Other expenses: $ 150 (supplies)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471389
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,700.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.7%  
   
 
Starting lender yield: 22.65% Starting borrower rate/APR: 23.65% / 27.12% Starting monthly payment: $144.48
 
Auction yield range: 7.89% - 22.65% Estimated loss impact: 9.24%  
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 score (1-10): 6 First credit line: Feb-1998 Debt/Income ratio: 22%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,799Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: Yes  
Screen name: leverage-prairie2 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
Home Improvement - Patio for kids
Purpose of loan:
This loan will be used to? Install a brick patio in the backyard which will increase the value of our home and also allow the?grandchildren a bigger play area.

My financial situation:
I am a good candidate for this loan because? I always pay my loans on time, and usually will pay them off early.? I am trustworthy and honest as well.? This will be my first Prosper Loan as I was referred by a friend.

Monthly net income: $1400.00

Monthly expenses: $
??Housing: $ 0??? (live with fiance', soon to get married)
??Insurance: $ 0
??Car expenses: $ 290.00
??Utilities: $ 0
??Phone, cable, internet: $ 50.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $
??Credit cards and other loans: $ 200.00
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471401
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $294.03
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Aug-2002 Debt/Income ratio: 30%
Credit score: 660-679 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 4 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: lor_edu54 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
IN SEARCH OF THE AMERICAN DREAM!
Purpose of loan:
This loan will be used to help me acheive a dream of mine to be a first time home owner! I need this loan to be able to cover the remaining cost of purching the manufactured home that I would like to own. I know that I might never have enough money to afford a $300,000 home in California. So I feel that it is?in my best interest to?purchase this manufactured home that I am interested in?because it's probably the?closest thing my family?will ever have to be able to afford to own. I am in search of what many people call the American Dream and I just need a little assistance in the means to do so. I know that applying for this loan through this website is a slim chance at me getting funded however I am not a person that easily gives up and I am trying my best to be responsible and make a better way for my family. I haven't gave up hope in people. I know that this site is centered around others not only making money off of lending to others but it is also about people giving others the oppurtunity to "Prosper"! I hope that some one reading my listing will be willing to take a chance at lending to me because I am an honorable person that is not looking for a hand out just a person looking for a little help with making a better life for my family. I look forward to lending from a good person that is intersted in being a part of making a once in a life time opportuniy possible for another. I have faith in people that even in tough times like this economic recession that those with?means can lend a hand to others with out. God Bless.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471409
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 3 First credit line: Oct-1997 Debt/Income ratio: 38%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 37 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $272Stated income:$25,000-$49,999
Delinquencies in last 7y: 41 Bankcard utilization: 90%  
   Homeownership: No  
Screen name: awe-inspiring-transparency1 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
debt consolidation
Purpose of loan:
This loan will be used to consolidate bills

My financial situation:
I am a good candidate for this loan because I am trying hard to clean up my credit
Monthly net income: $ 1800.00

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471415
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 14.13% Starting monthly payment: $249.11
 
Auction yield range: 5.89% - 11.00% Estimated loss impact: 6.13%  
Lender servicing fee: 1.00% Estimated return: 4.87%  
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 score (1-10): 8 First credit line: Sep-1996 Debt/Income ratio: 27%
Credit score: 760-779 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 23 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,774Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: No  
Screen name: Xanadu2You Borrower's state: Washington 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
760+ credit, was *A* rating in July
PLEASE NOTE:? in late July, I listed a loan and Prosper deemed me an "A" rating.? One week later, I re-listed my loan and found myself with a "B" rating by Prosper.? Upon querying Prosper, they indicated:
"On Sunday July 25 we changed our credit policy criteria, so now some areas are weighted differently then [sic] before.? This is why you had a different result from your original visit."? Please note, my credit score (760+), HAS NOT CHANGED.? I am still an "A" rating by Prosper's previous standards.

Purpose of loan:
Consolidate and pay off all remaining high-interest credit card debts (about $5K) incurred during 2 years of unemployment.? Also, purchase a new computer (about $1500) to replace 5 year old dying laptop, for the operation of my side crafting business.

Examples of my work from my home crafting business are available on my Etsy website:? http://www.Xanadu2You.etsy.com.? I make some sales on my website, but more frequently sell at live craft/art fairs (in addition to my full-time work) to supplement my full-time income and pay my bills.

My full-time employment is funded by a long-term contract funded by the Recovery Act, and is extremely stable -- our department's contract has been officially renewed for another 3 years, as of this month.? In addition, I have strong support from friends and family, who have graciously lent me money as-needed to keep me solvent while unemployed, and who will be willing to back me up again if I ever need their support.?

Please ask me any questions you may have.? This is a GUARANTEED investment.

Income: $44,000/year salary, plus income from crafting business
Housing:$800/month
Car payment: $458/month (in the process of re-financing to a lower rate to lower this bill for the remaining term, now that my credit score is so high)
Student loans:$150/month, no-interest loans, automatic deductions
All utilities:? $150/month (phone, cable, power, gas, water, etc)
Insurance:? $150/month (auto and property insurance)
Credit cards: $300/month (Revolving credit balance to be paid off with proceeds from this lower-interest Prosper loan)


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471423
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $113.09
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Apr-1989 Debt/Income ratio: 37%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,313Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: felicity-butterfly8 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
needcarrepairsandappliances
Purpose of loan:
This loan will be used to?get car repairs done and to get household appliances

My financial situation:
I am a good candidate for this loan because??
As you can see by my profile?I don't have delinquincies and?I am not behind on anything. I am very concious of paying my bills on time every month, and when?I have?a little extra I will pay extra on my balances.??
Monthly net income: $ 3000

Monthly expenses: $
??Housing: $?360
??Insurance: $ 115
??Car expenses: $ 125
??Utilities: $ 160
??Phone, cable, internet: $ 125
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 450
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471429
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $328.75
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-2003 Debt/Income ratio: 34%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 15 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,116Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: No  
Screen name: orange-vigilance-equinox Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
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 471433
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $113.09
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-2006 Debt/Income ratio: Not calculated
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,359Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 71%  
   Homeownership: No  
Screen name: vibrant-yield9 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
buying a new car need it asap!
Purpose of loan:
This loan will be used to?I need this for a downpayment for my dream car

My financial situation:
I am a good candidate for this loan because I am a young responsible student who just needs a little finiancial help untill my next check. I need this money immediately or they will take away my car because it was still under credit approval. I'm only 1000 dollar short to my dream car! I would greatly appreciate anyone who would lend this to me!

Monthly net income: $ 1308

Monthly expenses: $
??Housing: $0...live with parents
??Insurance: $0
??Car expenses: $0
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $0
??Clothing, household expenses $0
??Credit cards and other loans: $0
??Other expenses: $50...misc credit cards
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471439
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $81.42
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Sep-1996 Debt/Income ratio: 37%
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 17 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,655Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 102%  
   Homeownership: Yes  
Screen name: dotsgooseberry Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 15 ( 45% ) 640-659 (Latest)
Principal borrowed: $10,000.00< 31 days late: 12 ( 36% )  
620-639 (Mar-2010)
740-759 (Mar-2007)
 
Principal balance: $22.26 31+ days late: 6 ( 18% )
Total payments billed: 33  
Description
Pay off Smaller debts to get free
2nd loan with Prosper


Purpose of loan:
This loan will be used to?? Pay off all the little debts and get ahead and have financial freedom I have worked all my life and have got a little behind.

My financial situation:
I am a good candidate for this loan because? I am a hard worker and retired school teacher. I have just got a little behind and want to get cought up and have peace in knowing that I am on my way to financial freedom

Monthly net income: $ 4500.00 (retirement and current employment)

Monthly expenses: $
??Housing: $ 460.00
??Insurance: $ 150.00
??Car expenses: $?600.00
??Utilities: $ 0
??Phone, cable, internet: $ 80.00
??Food, entertainment: $ 200,00
??Clothing, household expenses $200.00?
??Credit cards and other loans: $ 400.00
??Other expenses: $ 0

Please Help a former teacher get finacial freedom!!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471441
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-1980 Debt/Income ratio: Not calculated
Credit score: 740-759 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 4Length of status:5y 5m
Amount delinquent: $2,185 Total credit lines: 13 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: BrandNewGuy 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: 28 ( 100% ) 740-759 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
740-759 (Mar-2010)
760-779 (Mar-2008)
 
Principal balance: $2,426.30 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
Expanding My Business
mensgroomingparlor.com
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471447
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-1988 Debt/Income ratio: 32%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 6Length of status:19y 10m
Amount delinquent: $0 Total credit lines: 36 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,331Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: No  
Screen name: charming-rupee5 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
Please help with home down payment
Purpose of loan:
This loan will be used toward a down payment for a home for my family.

My financial situation:
I am a good candidate for this loan because my annual salary is $60,000.00 and I have been with the same company for almost 20 years. Also I?always pay my debts on time.

Monthly net income: $5,000.00

Monthly expenses: $
??Housing: $200.00
??Insurance: $258.42
??Car expenses: $664.70
??Utilities: $100.00
??Phone, cable, internet: $150.00
??Food, entertainment: $300.00
??Clothing, household expenses $150.00
??Credit cards and other loans: $300.00
??Other expenses: $100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471451
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 28.85% Starting borrower rate/APR: 29.85% / 33.87% Starting monthly payment: $63.55
 
Auction yield range: 13.89% - 28.85% Estimated loss impact: 15.52%  
Lender servicing fee: 1.00% Estimated return: 13.33%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Feb-1991 Debt/Income ratio: 7%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 27 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 9 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: green-p2p-travels 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
Unexpected expenses
Purpose of loan:
This loan will be used to cover unusual, non-reoccuring expenses.

My financial situation:
I am a good candidate for this loan because my company successfully weathered the economic recession and has returned to quarter-over-quarter growth. A renewed focus on the work I do will provide job security for the foreseeable future, and maintaining our reduced household expenses will allow us to return the loan amount promptly.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471453
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,400.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.79% Starting monthly payment: $62.82
 
Auction yield range: 13.89% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1996 Debt/Income ratio: 33%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 22 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,665Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: No  
Screen name: openness-raker4 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off CC's. One at a time...
Purpose of loan:
This loan will be used to? pay off my first credit card (lowest balance first).

My financial situation:
I am a good candidate for this loan because?I have a good job writing banking software and have low rent/household bills. I keep up with all my bills. I live with my fianc? in a house she currently owns and we are getting married next fall. I am trying to pay off/down my credit cards before we get married so we can re-finance the house together. My annual income is 38,800. I am paying off the lowest balances first. The money that was going to paying off these cards each month will be spent on this loan repayment (at a much lower rate hopefully!) Thanks for your consideration.

Monthly net income: $2,500

Monthly expenses: $
??Housing: $500
??Insurance: $80
??Car expenses: $300
??Utilities: $0
??Phone, cable, internet: $70
??Food, entertainment: $200
??Clothing, household expenses $100
??Credit cards and other loans: $750
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471465
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $308.20
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Feb-1998 Debt/Income ratio: 32%
Credit score: 740-759 (Jul-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 17Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 38 Occupation: Dentist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,450Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: basis-synapse 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
Professional Needs to Consolidate
Purpose of loan: Consolidate Credit Card Debt Accumulated in Dental School
This loan will be used to consolidate my credit card debt that I accumulated while in dental school and i just want one bill to pay each month.

My financial situation is very good and I want to consolidate my credit card debt that I accumulated in dental school.
I am a good candidate for this loan because I am a hard working professional. I am a full time dentist with a beautiful 7 month old baby and husband. I just want to have one bill to pay off my credit card debt.

Monthly net income: $ 9750 (not including husbands income)

Monthly expenses: $7462
??Housing: $2242
??Insurance: $182.50
??Car expenses: $1653
??Utilities: $135
??Phone, cable, internet: $150
??Food, entertainment: $500
??Clothing, household expenses $500
??Credit cards and other loans: $2000
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471467
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Aug-1988 Debt/Income ratio: 78%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 13Length of status:11y 11m
Amount delinquent: $0 Total credit lines: 48 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $32,727Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: hopeful-dinero3 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
Please help pay down credit cards
Purpose of loan:
This loan will be used to pay down credit cards to 50% or less of credit limit.

My financial situation:
I am a good candidate for this loan because I have a steady income. This will be my 12th year teaching in my school district.

Monthly net income: $ 3,200.00

Monthly expenses: $
??Housing: $400.00
??Insurance: $0
??Car expenses: $299.68
??Utilities: $0
??Phone, cable, internet: $150.00
??Food, entertainment: $130.00?
??Clothing, household expenses $100.00
??Credit cards and other loans: $350.00
??Other expenses: $50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471473
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $271.42
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-1988 Debt/Income ratio: 18%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 5 Current / open credit lines: 5 / 5Length of status:23y 0m
Amount delinquent: $3,066 Total credit lines: 33 Occupation: Professional
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $3,417Stated income:$75,000-$99,999
Delinquencies in last 7y: 26 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: principal-encore 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
Recovering from One Time Hardship
Purpose of loan:
This loan will be used to consolidate debt into one single payment.

My financial situation:
In a period of 7 months, both my siblings lost their jobs, mother diagnosed with Kidney failure and Uterine Cancer, AND father committed suicide.? In light of the nature of his death, no insurance benefits were available.? I ended up paying the cost of his burial out of my own personal funds.?

Monthly net income: $ 5,000

Monthly expenses: $
??Housing: $ 1119.21
??Insurance: $ 165.00
??Car expenses: $ 610.00
??Utilities: $ 275.00
??Phone, cable, internet: $ 105.00
??Food, entertainment: $ 290.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 294.00
??Other expenses: $ None
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471479
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $298.20
 
Auction yield range: 16.89% - 24.00% Estimated loss impact: 25.38%  
Lender servicing fee: 1.00% Estimated return: -1.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Apr-2001 Debt/Income ratio: 20%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 7Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 39 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,867Stated income:$75,000-$99,999
Delinquencies in last 7y: 11 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: Dill456 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off our debt sooner
Purpose of loan:
This loan will be used?to?consolidate debt into a low monthly payment. Currently my monthly payment is $478.37 with Prosper loan the payment would be around $298.20, which is $180.17 a month savings.

My financial situation:
I am a good candidate for this loan because I have learned from my past mistakes. And I am tired of letting BIG financial institutions make money of us. I rather profit my neighbor than BIG companies.

Monthly net income: $6,864.06

Monthly expenses: $
??Housing: $2,662.25
??Insurance: $249.00
??Car expenses: $665.68
??Utilities: $254.00
??Phone, cable, internet: $29.99
??Food, entertainment: $980.00
??Clothing, household expenses $ 275.00
??Credit cards and other loans: $478.37
??Other expenses: $411.50Total: $6,005.79
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471481
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-1996 Debt/Income ratio: 1%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 0 / 0Length of status:15y 0m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 32 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: orange-p2p-gyration 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
Paying off two small loans
Purpose of loan:
This loan will be used to pay off two small payday loans.

My financial situation: Great
I am a good candidate for this loan because plan to pay this off in less than a year.

Monthly net income: $ 3500

Monthly expenses: $ 2500
??Housing: 1214
??Insurance: $350
??Car expenses: $20
??Utilities: $140
??Phone, cable, internet: $200
??Food, entertainment: $500
??Clothing, household expenses $50
??Credit cards and other loans: $0 if I pay these 2 loans off
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471485
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $151.84
 
Auction yield range: 10.89% - 17.00% Estimated loss impact: 11.20%  
Lender servicing fee: 1.00% Estimated return: 5.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-1993 Debt/Income ratio: 17%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:9y 7m
Amount delinquent: $0 Total credit lines: 38 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $35,640Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: inspired-truth6 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
Improve Cash Flow by $100 per Mo.
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 471493
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 20.00% Starting borrower rate/APR: 21.00% / 24.41% Starting monthly payment: $113.03
 
Auction yield range: 13.89% - 20.00% Estimated loss impact: 15.09%  
Lender servicing fee: 1.00% Estimated return: 4.91%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Feb-2004 Debt/Income ratio: 31%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,574Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: No  
Screen name: commanding-transaction1 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
Consolidate High interest Debt
Purpose of loan:
This loan will be used to? Consolidate my high interest debt.? I currently have 4 credit cards which helped me survive while going to school for my bachelor of arts in History and Political Science.? My goal is to reorganize my finances starting by eliminating my bad debt.
My financial situation:
I am a good candidate for this loan because? I have been employed continuously for more than 6 years with my current company and I am a salaried employee.? I have never missed a payment or gone delinquent on any account.?
Monthly net income: $ 2650

Monthly expenses: $
??Housing: $ 450
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $ 0
??Phone, cable, internet: $ 100
??Food, entertainment: $ 350
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 600
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471499
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,600.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $117.61
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Aug-2000 Debt/Income ratio: 34%
Credit score: 620-639 (Jul-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 7Length of status:5y 2m
Amount delinquent: $74 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,157Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: spikes72 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 24 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
620-639 (Sep-2009)
620-639 (Jul-2008)
 
Principal balance: $1,334.17 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
Paying off Credit Card debt
Purpose of loan:
This loan will be used to?
Consolidate and pay off high interest Credit Card debt (after paying off my first prosper loan balance!)
My financial situation:
I am a good candidate for this loan because? I make steady money, and am in a good financial position, I would simply like to get the high interest balances paid off more quickly, and consolidated into one payment, to improve my credit rating further.

Monthly net income: $ 2300

Monthly expenses: $?1600
??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 471501
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,985.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $133.93
 
Auction yield range: 13.89% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1998 Debt/Income ratio: 33%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 9Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 32 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,679Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: needybody 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: 10 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Sep-2009)
640-659 (Aug-2009)
 
Principal balance: $797.83 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
consolidating debt
Purpose of loan:
This loan will be used to consolidate debt.? Want to combine pay off current prosper loan, one credit card and a medical bill.

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 471503
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $164.38
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jan-1990 Debt/Income ratio: 20%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 2Length of status:10y 6m
Amount delinquent: $0 Total credit lines: 37 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $750Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: power-aggregator 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
Pay off debt &amp; set up house
Purpose of loan:
This loan will be used to pay off a line of credit, and to help me set up house in my new apartment. In addition, I am a business broker and I plan on using?part of it to fund some marketing endeavors to grow my business this year.

My financial situation:
I am a good candidate for this loan because I am a consistent earner with a proven work history. I take paying off my debts very seriously, and will treat this debt the same. ?

Monthly net income: $ 2,100 + commissions (I am the Director of Marketing at my firm, and am paid w-2 income in that position, but in addition I am a Business Broker for myself as well and am paid commissions when I sell a business. In the last six months I have made approximately $6,000 in commissions. The commission income is 1099 income.)

Monthly expenses: $ 1750
??Housing: $ 800
??Insurance: $?50
??Car expenses: $?50
??Utilities: $ 100
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $?100
??Credit cards and other loans: $ 375
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471511
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 11.50% Starting borrower rate/APR: 12.50% / 15.74% Starting monthly payment: $501.80
 
Auction yield range: 10.89% - 11.50% Estimated loss impact: 10.04%  
Lender servicing fee: 1.00% Estimated return: 1.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1998 Debt/Income ratio: 34%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:11y 1m
Amount delinquent: $0 Total credit lines: 21 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $17,059Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: Grandsons_Ed_Fund 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: 36 ( 97% ) 700-719 (Latest)
Principal borrowed: $6,000.00< 31 days late: 1 ( 3% )  
700-719 (Jun-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 37  
Description
Credit card consolidation
Purpose of loan:
This loan will be used to pay off the revolving credit balance stated above.

My financial situation:
I am a good candidate for this loan because I have had a previous loan through Prosper lenders that has been paid in full and on time. I am a lender as well.

Monthly net income: $ 4500.00

Monthly expenses: $
??Housing: $ 780.00
??Insurance: $ included in escrow/housing
??Car expenses: $ 400.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 190.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 500.00 - This is the purpose of the loan. Current interest rate on card 13.65%
??Other expenses: $ 500.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471515
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.2%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $159.04
 
Auction yield range: 13.89% - 24.00% Estimated loss impact: 15.28%  
Lender servicing fee: 1.00% Estimated return: 8.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Sep-2000 Debt/Income ratio: 39%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:10y 2m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,199Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: wise-serene-deal 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 debt
Purpose of loan:
This loan will be used to? Pay off credit cards and small loans

My financial situation:
I am a good candidate for this loan because?I am not delinquent on any of my current obligations. I haven't had any public records of any sort as you can see for over 10 years. I want to cut up two of my high interest cards and?move on with life debt free. My wife has income also that cannot be verified here but she pays the other bills that I do not have listed such as insurance, housing and most of the food.
Also not listed in my income is my rental property. That is an extra $1000 + per month.
Monthly net income: $2000 + after taxes

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0 ????
??Car expenses: $ 0
??Utilities: $180
??Phone, cable, internet: $ 250
??Food, entertainment: $ 150
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 600
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471523
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-1995 Debt/Income ratio: 14%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:0y 11m
Amount delinquent: $263 Total credit lines: 12 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,640Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: No  
Screen name: thoughtful-bazaar821 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 payment
This loan will be used to pay-off all current credit cards.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471525
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 17.75% Starting borrower rate/APR: 18.75% / 22.12% Starting monthly payment: $219.18
 
Auction yield range: 10.89% - 17.75% Estimated loss impact: 11.22%  
Lender servicing fee: 1.00% Estimated return: 6.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-1991 Debt/Income ratio: 10%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:0y 7m
Amount delinquent: $1,288 Total credit lines: 24 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,265Stated income:$100,000+
Delinquencies in last 7y: 7 Bankcard utilization: 17%  
   Homeownership: No  
Screen name: responsive-value2 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
Please help w my credit cards.
Purpose of loan:
This loan will be used to pay off my credit cards and help improve my credit to debt ratio.? I hope to do this for the future and ensuring a good rate when applying for a mortgage.?

My financial situation:
I am a good candidate for this loan because of my strong salary (base plus monthly commissions) that will allow me to make the monthly payments with our issue.? I have also worked incredibly hard to better my credit over the past 3+ years which shows my financial dedication to me and my family.

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 471529
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $81.42
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-2003 Debt/Income ratio: 10%
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 5 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,247Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: unbeatable-investment372 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
Pay Off My Credit Cards
Purpose of loan:
This loan will be used to? Consolidate my credit cards in to one payment and pay them off for good!

My financial situation:

I am a good candidate for this loan because I have a reliable job with steady income and I pay my bills on time.


Monthly income: $ 1367.20 (After Taxes)

Monthly expenses: $
??Housing: None, live with family
??Insurance: $ 215.00
??Car expenses: $ 240.00 for gas
??Utilities: None
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 100.00-150.00
??Clothing, household expenses $
??Credit cards and other loans: $ 170.00 (Will be paying these off with this loan)
??Other expenses: $

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471533
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Mar-2007 Debt/Income ratio: Not calculated
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 7 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,805Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: hopeful-moola2 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
Loan to complete Masters Degree!
Purpose of loan:
This loan will be used to cover the rest of my schooling for my MBA and I do not have enough student loans to cover the rest of my tuition. I am working during the day going to school at night and would hate to stop now because of lack of funding.
My financial situation:
I am a good candidate for this loan because I have a small amount of debt and a very secure job working as an Engineer for a large food & beverage company

Monthly net income: $ 3750 dollars

Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 130
??Car expenses: $ 400
??Utilities: $ 100
??Phone, cable, internet: $ 185
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471537
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Apr-1980 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 6Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 15 / 15Length of status:1y 5m
Amount delinquent: $2,259 Total credit lines: 28 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,844Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: economy-flamenco2 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
Money for Increased Inventory
Purpose of loan:
This loan is for my businesses, cash4iPhones & cash4BlackBerrys. We are similar to a cash4Gold concept in that we buy used iPhones and BlackBerrys from the population. I have a direct client in Hong Kong that has requested a LOT more inventory than we're currently able to provide them. This loan will enable us to increase our pre-established marketing efforts and get more inventory to make our customer happy.

My financial situation:
Both my personal and business finances are in solid condition. My credit score may not be perfect but I have established revenue streams and am working diligently to better my profile.

My one deliquent account is from an apartment complex and is currently being disputed.

Monthly net income: $4000 ????

Monthly expenses: $ 2000
??Housing: $ 775
??Insurance: $ 160
??Car expenses: $ 440
??Utilities: $ 60
??Phone, cable, internet: $ 45
??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 471539
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $108.46
 
Auction yield range: 16.89% - 17.00% Estimated loss impact: 19.24%  
Lender servicing fee: 1.00% Estimated return: -2.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Feb-1999 Debt/Income ratio: 3%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:10y 11m
Amount delinquent: $0 Total credit lines: 2 Occupation: Retail Management
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $149Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: authentic-principal6 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?

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 471541
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 10.89% Starting borrower rate/APR: 11.89% / 15.12% Starting monthly payment: $298.46
 
Auction yield range: 10.89% - 10.89% Estimated loss impact: 11.03%  
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 score (1-10): 7 First credit line: Oct-2000 Debt/Income ratio: 14%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 7Length of status:7y 9m
Amount delinquent: $62,271 Total credit lines: 23 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,571Stated income:$50,000-$74,999
Delinquencies in last 7y: 12 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: openness-banjo 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
Credit card consolidation
Purpose of loan:
This loan will be used to?pay off my high interest rate credit card. I wanted to combine my 3 credit cards. Actually only one has pretty high APR. If I get low interest rate I will consolidate my debt. If not I may need $3000 to take care of my high interest rate credit card.

My financial situation:
I am a good candidate for this loan because? I and my wife both work. She makes about the same amount as I do. We are current on all our payments. I'm one of many victims of the real estate collapse and loosing one of the properties I own. That fact affected my credit score and interest rates on some credit cards. BTW; My wife's credit score is intact.

Monthly net income: $ combined $6000

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 120
??Car expenses: $ 600
??Utilities: $ 200
??Phone, cable, internet: $ 120
??Food, entertainment: $ 1200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471551
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 1.6%  
   
 
Starting lender yield: 7.25% Starting borrower rate/APR: 8.25% / 8.59% Starting monthly payment: $314.52
 
Auction yield range: 2.89% - 7.25% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Apr-2001 Debt/Income ratio: 18%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 14 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,595Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: No  
Screen name: thankful-economy2 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
Medical/Dental, Credit Card's, etc.
Purpose of loan:
This loan will be used to?
-pay off the last of my credit card debt = $3000 (down from $6500 in July)
-pay off the last of my medical/dental bills = $2000
-the other $5000 will be going toward my engagment/wedding

My financial situation:
I am a good candidate for this loan because?
-I have never had a delequent account!
-I always pay my bills on time
-In the past few months I have been able to pay off my car, and almost all of my credit card debt. I only have $3000 left!
-I really want to pay off my credit cards, and my medical/dental bills (about $2000)?in full before getting married in Novemeber.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471555
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jan-1998 Debt/Income ratio: 12%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:7y 11m
Amount delinquent: $0 Total credit lines: 11 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $2,727Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: No  
Screen name: red-balance-kangaroo 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
debt and engagement ring
Purpose of loan:
This loan will be used to?
Consolidate my debt and purchase an engagement ring for my girlfriend.My financial situation: I have worked for the same company for nine years and our company continues to grow. Zero layoffs since the great ression began
I am a good candidate for this loan because? I have a 3 year old daughter and am saving to buy a house. I just would rather not tap into that money to purchase an engagement ring. I can afford new debt

Monthly net income: $ 3500

Monthly expenses: $ about $1700
??Housing: $ 550
??Insurance: $ 100
??Car expenses: $ 300
??Utilities: $ 75
??Phone, cable, internet: $ 75
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 150
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471557
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.49% Starting monthly payment: $67.30
 
Auction yield range: 13.89% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1975 Debt/Income ratio: 9%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 7Length of status:2y 3m
Amount delinquent: $424 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,848Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: smart-bid7 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to?

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 471559
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 22.72% Starting monthly payment: $43.38
 
Auction yield range: 10.89% - 17.00% Estimated loss impact: 11.20%  
Lender servicing fee: 1.00% Estimated return: 5.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jan-2004 Debt/Income ratio: 27%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 10 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,128Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: bid-eagle1 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
Taking extra college course
Purpose of loan:
This loan will be used to pay for a college course. I am a recent graduate and will be apply to graduate school in the next year and it is recommended that I keep taking courses.

My financial situation:
I am a good candidate for this loan because I have a good credit score and pay my bills on time. I now work full time since I have graduated.



Monthly expenses: $
??Housing: $ 509
??Insurance: $ 43
??Car expenses: $ 190
??Utilities: $ 40
??Phone, cable, internet: $ 30
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 100

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471561
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $361.42
 
Auction yield range: 10.89% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1977 Debt/Income ratio: 43%
Credit score: 700-719 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 28 / 27Length of status:12y 6m
Amount delinquent: $0 Total credit lines: 71 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,566Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 69%  
   Homeownership: Yes  
Screen name: bazaar-paradise744 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% ) 700-719 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
660-679 (Sep-2008)
 
Principal balance: $5,083.54 31+ days late: 0 ( 0% )
Total payments billed: 22  
Description
Home repairs - downsizing
Purpose of loan:
This loan will be used for badly needed home repairs (roof and paint). Housing market beginning to move in this area. Kids have graduated form college, youngest daughter getting married and its time to downsize to reduce overall expenses.

My financial situation:
I am a good candidate for this loan because my financial position continues to improve. I have lived in the Memphis, TN area all my life. Current home for the past 12 years.? I have been with my company in the finance department for 12 years. I am certified in my field and have never been unemployed. My wife is a kindergarten teacher and has taught for the past 18 years. Both jobs remain stable. My Son is working on his Masters Degree and my youngest daughter has recently graduated from college and will begin working on her Masters.? I am committed to paying all of my obligations on time and have reduced expenses in order to repay this loan within the terms stated. My company is having a very good year. Year ends 10/31/10 and we are on track for bonuses. One auto loan will be paid off in four months. I have been paying down debt as evidenced by improved credit score.

Monthly net income: $ 6,050

Monthly expenses: $ 4,090
??Housing: $ 2,165
??Insurance: $ 325
??Car expenses: $ 80
??Utilities: $ 235
??Phone, cable, internet: $85
??Food, entertainment: $ 80
??Clothing, household expenses $60
??Credit cards and other loans: $ 900
??Other expenses: $ 160
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471571
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Sep-2002 Debt/Income ratio: 19%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 8 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,091Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: bmh Borrower's state: Arizona Borrower's group: Apple User 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: 31 ( 91% ) 640-659 (Latest)
Principal borrowed: $3,000.00< 31 days late: 3 ( 9% )  
520-539 (Feb-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
Second Prosper Loan
Purpose of loan:
This will be my second Prosper loan. My first Prosper loan has been paid 100% since January of this year. I had such a great experience with my last loan and I am coming back for some extra help with my upcoming wedding.

I am getting married in October and I am paying for everything myself. I am very happy with the way I have saved money in the process. I have saved by making my own invitations (a savings of about 400 dollars) and I am utilizing a local high school that has a floral program to do all the flowers for the wedding.

There are still a few things left to pay for and I am coming up a little short. Up until now I have been paying cash for everything thanks to the tax refund from my recent home purchase.

My financial situation:
I am making 33% more per year than I did 3 years ago when my first Prosper loan funded. I just purchased a house in Laveen and I am saving $425 a month since I am no longer renting. Its a great feeling when you know every mortgage payment you make is building equity in your home.

My Prosper loan payments will be automatically withdrawn from the same bank account my paychecks are direct deposited to so the payments will be on time, EVERY time. I do not consider myself a risk and I am very responsible with my money. I have $800 left over each month and will never have a problem paying my monthly Prosper loan payments.

I have been with the same healthcare company for the past 4 years and the job is very stable. I am thankful to have such a reliable company to work for and to have job stability.

I don't have many expenses since I have been doing my best as far as living within my means. I save money from every check regularly and only eat at restaurants on date-night, not just whenever I don't feel like cooking! I am also very proud my credit score has improved since my last Prosper loan was funded.



Monthly net income: $2400

Monthly expenses: $1,595
??Mortgage: $315
??Car Insurance: $80
??Car payment: $230
??Fuel: $60
??Electric: $70
??Water: $20
??Gas: $30
??HOA: $60
??Cell Phone: $115
??Internet: $60
??TV: $60
??Food: $150
??Credit cards payments: $100 (Chase Visa and Discovercard)
??Entertainment: $75
??Savings: $200 (I save at least $100 from every paycheck)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471575
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $316.65
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 3 First credit line: Jul-1980 Debt/Income ratio: 21%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:25y 5m
Amount delinquent: $0 Total credit lines: 5 Occupation: Postal Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: Jimmymsg Borrower's state: Oregon Borrower's group: Vets helping Vets
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 55 ( 93% ) 680-699 (Latest)
Principal borrowed: $18,000.00< 31 days late: 4 ( 7% )  
680-699 (May-2010)
660-679 (Aug-2008)
680-699 (Feb-2007)
 
Principal balance: $4,683.70 31+ days late: 0 ( 0% )
Total payments billed: 59  
Description
Taking my wife on a Trip
Purpose of loan:
My wife has had several minor strokes. We would like to spend Christmas with our son and his family in Hawaii. We haven?t seen much of them since they moved over there. My wife?s health is slowly declining. I will not be able to retire for another 5 years. We really need to take this trip before her health declines any further.
I have always paid off my loans. I paid my last loan on time. The loan I have out now is current. The loan will pay for the trip. It will also help pay for her prescription drugs which she needs. Please look over my record. I always pay my debts. I am a good risk. Prosper gave me a HR rating. I differ in their opinion of my rating.
I am a retired Master Sergeant with 27 years of service. I know the meaning of responsibility. When I say I will do something, I follow through and finish it.

Thank you.?
Monthly net income: $ 4800

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 46
??Car expenses: $ 60
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 429
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471579
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Sep-2004 Debt/Income ratio: 28%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 4 Current / open credit lines: 4 / 4Length of status:0y 4m
Amount delinquent: $253 Total credit lines: 17 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $315Stated income:$1-$24,999
Delinquencies in last 7y: 16 Bankcard utilization: 51%  
   Homeownership: No  
Screen name: camaraderi-iris Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off small credit cards
Purpose of loan:
The purpose of this loan will be to pay off 2 small credit cards that I have outstanding.
My financial situation:
I am a good candidate for this loan because I have a full time, permanent job, with very little debt to income. I have blemishes in my past that I am trying to fix, but I can't fix my credit if no one is willing to help. I have tried my financial institutions, but in this economy I can understand why they are so wary of lending.? I am fully obligated to paying on time, and in full, every month. I need to rebuild my credit and Prosper seems like a potential way to accomplish this.

Monthly net income: $17,600.00

Monthly expenses: $
??Housing: $ 0 - I'm also a full time student
??Insurance: $ 0 - paid for while I am?in school
??Car expenses: $ 220.00 car payment, about $100.00 a month in gas
??Utilities: $ 0
??Phone, cable, internet: $?60 for cell phone
??Food, entertainment: $ 100 - 150?in an expensive month?
??Clothing, household expenses $ 50-75 , I am not?an?impulsive spender
??Credit cards and other loans: $?200 ,?two separate payments, two separate cards. If I could?pay these off and only pay one payment for this loan I would have extra to put in savings, or pay more on this loan.
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471581
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.6%  
   
 
Starting lender yield: 7.25% Starting borrower rate/APR: 8.25% / 8.59% Starting monthly payment: $471.78
 
Auction yield range: 2.89% - 7.25% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Apr-1997 Debt/Income ratio: 11%
Credit score: 800-819 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:9y 7m
Amount delinquent: $0 Total credit lines: 52 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $42,816Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: green-focused-dedication 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
Aquire investment property
Purpose of loan:
This loan will be used to?to acquire an investment property. I've found a nice 3 bedroom 1.5 house in my area that is in foreclosure and requires very little work. I can have this house fixed up and ready to go within 90 from the purchase. My intention is to rent it out. Rents in the area are around 900/month which would be more than enough to make my monthly payments for this loan. For the first 3months, I will make the payments from my salary.

My financial situation:
I am a good candidate for this loan because?I am energetic, positive, serious, dedicated, hardworking. I know how to save and manage money. I never had a late bill in my life. I have a good/secure job. I am teaching computers in a tenured position and I've been at the same job for more than 9 years now. My credit score is above 800, and I am going to keep it high. I value my credit score and I will do everything possible to keep it in great shape. I don't have any other debt. My car is paid in full, I don't have any unpaid school loans and I always pay my credit card balance in full at the end of the month. (if I know that I can't afford to pay it off when the bill is due, then I don't charge it in the first place) :-). I am the best candidate for a future success story on Prosper.com and I intend to give a positive testimonial.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471583
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 35.35% / 39.08% Starting monthly payment: $340.76
 
Auction yield range: 13.89% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1999 Debt/Income ratio: 43%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:10y 10m
Amount delinquent: $0 Total credit lines: 17 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,305Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: return-nurse6 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? pay off my credit cards which would be 2 of them that i have maxed out
My financial situation:
I am a good candidate for this loan because?i pay my bills on time and i really want to get my cards payed off!?

Monthly net income: $ 27000.00

Monthly expenses: $
??Housing: $?0
??Insurance: $?130.00???? ?Car expenses: $ 370.00
??Utilities: $?100.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 500.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471585
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $316.65
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Jan-1988 Debt/Income ratio: 31%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 3 Current / open credit lines: 10 / 10Length of status:9y 5m
Amount delinquent: $1,044 Total credit lines: 22 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,400Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: reliable-gain1 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home 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 471587
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 3 First credit line: Nov-2005 Debt/Income ratio: 37%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:2y 3m
Amount delinquent: $229 Total credit lines: 28 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,226Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: ellybeth5 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
Paying off Credit Card Debt

My financial situation:
I have two jobs and work over 50 hours a week. I have been at my part time job for 7 years in November and over 2 years with my full time job doing collections. I am also a full time student. I will graduate with my Bachelors degree in Business Management July of 2011 from the University of Phoenix. My schooling is expensive and I had to use the credit cards to pay for extra tuition among basic needs. I am very dedicated and have had a few minor slips in the past. But, I really need this money so that I can start paying my older college loans off while continuing school. Thank you.

Monthly net income: $ 2040

Monthly expenses: $ 1,665
??Housing: $ 200 ????
??Insurance: $ 175
??Car expenses: $ 150 Gas
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ Car Loan: $ 240, Credit Cards: $500 (This would be go towards loan instead)
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471599
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,100.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.3%  
   
 
Starting lender yield: 6.85% Starting borrower rate/APR: 7.85% / 8.19% Starting monthly payment: $96.93
 
Auction yield range: 2.89% - 6.85% Estimated loss impact: 1.30%  
Lender servicing fee: 1.00% Estimated return: 5.55%  
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 score (1-10): 10 First credit line: Apr-2001 Debt/Income ratio: 3%
Credit score: 840-859 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 2Length of status:7y 0m
Amount delinquent: $0 Total credit lines: 14 Occupation: Tradesman - Carpent...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,725Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: bonFire8 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: 0 / 2 On-time: 13 ( 100% ) 840-859 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
820-839 (Jul-2010)
720-739 (Oct-2008)
720-739 (Apr-2008)
740-759 (Sep-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Paying off Credit Card
Purpose of loan:
I will use this loan to pay off my credit card for a lower APR.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471601
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 33.56% Starting monthly payment: $41.09
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1997 Debt/Income ratio: 18%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 21Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 39 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,284Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: organic-finance0 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
Childcare loan
Purpose of loan:
This loan will be used to pay for my son's childcare for the next month.

My financial situation:
I am a good candidate for this loan because I have a solid credit history and work for a private equity firm that has just gone public. Healthy salary + stock options = financial stability. I am a single full-time working mom who has tapped all other sources of income for the year (last year's bonus, 401k, tax refund) and?am now hoping to get this small loan to take me through the?next month?of paying for childcare. Either my year-end bonus or year-end window of sell option for public stock will ensure that this loan is paid off well prior to the 36-month term date.

Thank you in advance for considering me.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471603
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $314.08
 
Auction yield range: 13.89% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-1986 Debt/Income ratio: 33%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:5y 10m
Amount delinquent: $0 Total credit lines: 18 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,389Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: No  
Screen name: enriching-market2 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards.
As with many folks out there during these difficult times, I've found myself in a tough situation, granted, not as tough as some, but tough regardless. I've recently lost hours at my fulltime job, and am currently looking for a PT job to fill the void. Unfortunately I should have addressed my mounting credit debt earlier and didn't, and ideally would like to be able to pay it off and consolidate the payments into one lump sum, hence my reason for coming to Prosper. I understand I likely rank low on the scale of folks in need of a helping hand, and would rather have those people helped, but in the event there is a loan out there, I'd greatly appreciate the assistance.

In terms of repayment, despite my high Debt to Income ratio, I do pride myself on paying and paying on time, and unfortunately with respect to my cards as of late, that's only been minimum payments, unfortunately that's basically just the interest, but I do pay above, when funds are available.

Thank you in advance for your consideration, regardless of whether or not I manage to find a loan, it's nice to see that there are folks out there willing to step up and help others in need, I like many others, wish we were in the position to do the same.

Regards.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471609
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.6%  
   
 
Starting lender yield: 7.25% Starting borrower rate/APR: 8.25% / 8.59% Starting monthly payment: $471.78
 
Auction yield range: 2.89% - 7.25% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Sep-1997 Debt/Income ratio: 17%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:11y 11m
Amount delinquent: $0 Total credit lines: 27 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $76,928Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: Yes  
Screen name: first-class-gain4 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off mom credit
Purpose of loan: paying off credit cards
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?i want to decrease and close lines on lines used for mothers, care wtihout using home.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471611
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1999 Debt/Income ratio: 11%
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 10 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,372Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: soulful-bazaar Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Card Debt
Purpose of loan:
This loan will be used to pay off one credit card.?I am a 25 year old college student who got caught in the credit card journey.

I am currently working and making an hourly salary. I got these?credit cards to help out my parents as they were in the process of selling their house and unemployed. They are still working to sell their house and still unemployed. I am paying the minimum payments on these cards, but it is not helping much and would like to pay them off so that my credit score returns to where it was before I got into this situation.

My Financial Situation:?I am a good candidate for this loan because I have never been late on my credit cards and can be counted on to never be late on a Prosper payment.

Monthly net income: $ 1650

Car expenses: $ 100.00
Insurance (Health/Dental): $ 125.00
Utilities: $ 100.00??
Phone, cable, internet: $ 60.00
Food, Clothing?& Household expenses: $ 600.00??
Credit cards &?Student Loans: $ 665.00 - this amount is being paid to?4 credit cards and one student loan; the other 3 credit cards are active but not being used.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471615
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 21.00% Starting borrower rate/APR: 22.00% / 27.86% Starting monthly payment: $38.19
 
Auction yield range: 16.89% - 21.00% Estimated loss impact: 19.49%  
Lender servicing fee: 1.00% Estimated return: 1.51%  
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 score (1-10): 4 First credit line: Oct-1985 Debt/Income ratio: Not calculated
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 23 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,285Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 101%  
   Homeownership: No  
Screen name: BFWoman Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Attend out of town Wedding
Purpose of loan:
This loan will be used to attend my friend's daughter's wedding in Denver, CO.

My financial situation:
I am a good candidate for this loan because I just got a $5000/year raise at work.?

Monthly net income: $ 2656

Monthly expenses: $
??Housing: $ 850
??Insurance: $ 25
??Car expenses: $ 0
??Utilities: $?0
??Phone, cable, internet: $ 210
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 450
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471617
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $294.03
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Sep-1993 Debt/Income ratio: 83%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 4 Current / open credit lines: 4 / 5Length of status:0y 7m
Amount delinquent: $20,961 Total credit lines: 29 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $786Stated income:$25,000-$49,999
Delinquencies in last 7y: 22 Bankcard utilization: 39%  
   Homeownership: Yes  
Screen name: responsive-bazaar 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
New Roof &amp;amp; Upstairs
Purpose of loan: Replace the roof on the home that I Own and add on so that I can rent out this space.
My financial situation:
Chase & Wachovia Banks


Monthly net income: $
3640.00
Monthly expenses: $
??Housing: $1400.
??Insurance: $
??Car expenses: $ 828.
??Utilities: $ 120.
??Phone, cable, internet: $ 96.
??Food, entertainment: $ 100.
??Clothing, household expenses $ 20.
??Credit cards and other loans: $ 55.
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471623
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $278.73
 
Auction yield range: 16.89% - 19.00% Estimated loss impact: 37.66%  
Lender servicing fee: 1.00% Estimated return: -18.66%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Apr-1985 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 5Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $143Stated income:$100,000+
Delinquencies in last 7y: 13 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: credit-kingdom6 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
update kennels for boarding
Purpose of loan:
This loan will be used to? purchase and build 4 kennels, a van and signage

My financial situation:
I am a good candidate for this loan because? I have little debt and small monthly payments?aprox $1000 a month

Monthly net income: $ 2000

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 50
??Car expenses: $ 311
??Utilities: $ 50
??Phone, cable, internet: $ 110
??Food, entertainment: $?400
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471629
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $82.19
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: May-2000 Debt/Income ratio: 15%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 4Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,909Stated income:$50,000-$74,999
Delinquencies in last 7y: 23 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: vannabanana 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
Help me become debt free!!
Purpose of loan:
This loan will be used to?pay off?two credit cards (approx 1700 and 300).? I'm working on becoming debt?free and staying that way.? ???

My financial situation:
I am a good candidate for this loan because?I am currently employed both full-time and part-time.? I have worked hard on repairing my credit over the last three?years.? The credit profile looks atrocious, but here is a more accurate breakdown---credit score is 640, no?current delinquent accounts, three accounts had?previously been?delinquent?(2 have been paid off this year?and?payments have been current on the 3rd for a year), 11 credit lines (student loans are double?listed), and utilization of credit is 21%.? ?

Monthly net income: $ 3300

Monthly expenses: $
??Housing: $ 600 rent
??Insurance: $ 110 (home insurance on investment property, renters ins, and vehicle ins)?
??Car expenses: $ 350
??Utilities: $ 150?
??Phone, cable, internet: $?90
??Food, entertainment: $ 200
??Clothing, household expenses $ 100?
??Credit cards and other loans: $ 275
??Other expenses: $ 200 (gas)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471631
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $278.73
 
Auction yield range: 16.89% - 19.00% Estimated loss impact: 37.66%  
Lender servicing fee: 1.00% Estimated return: -18.66%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Nov-2001 Debt/Income ratio: 29%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 18 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,165Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 107%  
   Homeownership: No  
Screen name: red-ore-eagle 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 Debt
Purpose of loan:
This loan will be used to consolidate my car and small credit cards.

Monthly net income: $? 3000



Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471633
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $410.94
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-1987 Debt/Income ratio: 59%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:27y 4m
Amount delinquent: $0 Total credit lines: 33 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,987Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: No  
Screen name: concerned52 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debt
Purpose of loan:
This loan will be used to pay off debt and lower my overall monthly payments.

My financial situation:
I am a good candidate for this loan because I have worked at purdue for 27 years.? My income and position within the Department of Horticulture is secure.? I am the Administrative Assistant to the Dean of Horticulture?and International Liaison coordinating the arrival of new graduate students.

Monthly net income: $3280
Monthly expenses: $2337??
Housing: $ 1250?
Insurance: $ 40?
Car expenses: $ 0?
Utilities: $ 200?
Phone, cable, internet: $ 95?
Food, entertainment: $ 300?
Clothing, household expenses $ 50?
Credit cards and other loans: $ 402?
Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471635
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $158.33
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jan-1988 Debt/Income ratio: 16%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:8y 2m
Amount delinquent: $0 Total credit lines: 26 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,928Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: Voxwest Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,100.00< 31 days late: 0 ( 0% )  
660-679 (Aug-2008)
 
Principal balance: $867.83 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Your Help Will be Most Appreciated!
Purpose of loan:
This loan will be used to?

The death of my father late last year, coupled with unexpected, expensive home and car repairs this year, has put me about $3000 in the red.

I would like very much to pay down escalating credit card debt and get caught up on a few bills before the holidays.

My financial situation:? I'm currently managing my bills and have a maintained a respectable?credit score.? This loan will help me improve my financial situation and increase my credit?score by helping me reduce and/or eliminate credit debt.

I am a good candidate for this loan because? I have steady employment (same Fortune 500 employer for past 8 years), and I have never been late on a prosper loan repayment.

Monthly net income: $ 3275

Monthly expenses: $
??Housing: $ 1800
??Insurance: $?75
??Car expenses: $425
??Utilities: $?55
??Phone, cable, internet: $?50
??Food, entertainment: $ 250
??Clothing, household expenses $75?
??Credit cards and other loans: $100?
??Other expenses: $ 70
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471637
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Sep-1995 Debt/Income ratio: 22%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 14Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 53 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $56,051Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: camaraderi-werewolf 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
Consolidating Debt
Purpose of loan:
This loan will be used to consolidate bills

My financial situation:
I am a good candidate for this loan because I have no late payments and pay everything back that I borrow.

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 471643
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,300.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.82% Starting monthly payment: $58.81
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 3 First credit line: Oct-1998 Debt/Income ratio: 28%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 21 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,984Stated income:$50,000-$74,999
Delinquencies in last 7y: 19 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: sensation310 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 6 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
560-579 (Aug-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Unexpected emergency bills!!
Hello,

I am going through a divorce and am trying to get rid of all bad debt.I have had some bills be given to me that I must get rid of asap. I have no delinquencies in years and have a good job, however I do not want them involved in my personal life. I have had a prosper loan in the past and paid it off early which I will also do on this. I appreciate all the help I could get during this tough time.

Thank you
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471645
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $94.52
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-2007 Debt/Income ratio: Not calculated
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 6Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $904 
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: statuesque-worth0 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
Tranmission Repair on Car
Purpose of loan:
This loan will be used to? repair the CVT Transmission on my car.

My financial situation:
I am a good candidate for this loan because?I am financially responsible and my credit history?shows that I pay my bills on time.?I also have supportive parents who?are helping me while I am unemployed through the funds of the family business (Perry Bros. Funeral Home).

Monthly net income: $ 900

Monthly expenses: $
??Housing: $?50 (pay courtesy rent to relatives I stay with)
??Insurance: $ 0
??Car expenses: $ 45 (fill up gas tank?once a month)?
??Utilities: $ 0
??Phone, cable, internet: $ 65 (cell phone)
??Food, entertainment: $?70 (groceries)
??Clothing, household expenses $ 30
??Credit cards and other loans: $?50
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471651
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-1994 Debt/Income ratio: 6%
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 5Length of status:1y 11m
Amount delinquent: $60 Total credit lines: 13 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $84,610Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: durability-workhorse 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
Pay tuition/ close credit card
Purpose of loan:
This loan will be used to?
pay tuition?and /payoff close two credit cards
My financial situation:
I am a good candidate for this loan because?
I am?extremely?honest, reliable, trustworthy. I strongly believe that when someone extends a hand to help one should never take advantage of the situation.?Last year due to a health issue with a close ?family member, I used my credit cards to pay some of the costs that were not covered by medical insurance.
Monthly net income: $ 3500.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 35 quarterly
??Car expenses: $?20gas weekly?
??Utilities: $ 170
??Phone, cable, internet: $ 65
??Food, entertainment: $ 80 weekly
??Clothing, household expenses $
??Credit cards and other loans: $?260
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471653
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $104.22
 
Auction yield range: 5.89% - 14.15% Estimated loss impact: 6.19%  
Lender servicing fee: 1.00% Estimated return: 7.96%  
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 score (1-10): 8 First credit line: Feb-1997 Debt/Income ratio: 32%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 10Length of status:7y 7m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,332Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: No  
Screen name: determined-transaction3 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
Unexpected Auto Repairs
Purpose of loan:
This loan will be used to pay for unexpected car repairs that have come at a time when cash flow is short.

My financial situation:
I am a good candidate for this loan because I have the ability to make monthly payments on time and in full and will make pay off of this loan a priority.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471663
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Sep-2009 Debt/Income ratio: Not calculated
Credit score: 600-619 (Jul-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 2 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $240Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: No  
Screen name: Knowledge_Is_Power Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 1 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Jun-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
Please help with school!
Purpose of loan:
This loan will be used to further fund the rest of my education. I am transferring to a university after my summer classes and I've got financial aid and a couple of grants to pay most of the tuition, but I came up short about $4,500. I can't continue with my schooling until I get the money. This is also my second Prosper loan, so I promise you that I am good for the money. Please consider.

My financial situation:
I am a good candidate for this loan because I pay off all of my debts on time and in the correct amount. Never a penny less. If you look at my credit score, it's only in the 600-619 range because I tried applying for a loan through my bank, and with this economy, they will only accept applicants with a near perfect credit record, which I don't think anyone has. So yes, they denied it. My credit score prior was a 652 from Equifax, 704 from Experian, and a 724 from Transunion, with no late payments on anything. My current job is very stable, and I just received a raise, so I save up around $740 a month. I also live with my parents so utilities and other household payments are not an issue.

Monthly net income: $ 950

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 45
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 65
??Food, entertainment: $ 50
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 50
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471665
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.8%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 15.23% Starting monthly payment: $332.14
 
Auction yield range: 10.89% - 11.00% Estimated loss impact: 10.03%  
Lender servicing fee: 1.00% Estimated return: 0.97%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-1996 Debt/Income ratio: 28%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 23 / 20Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 45 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,453Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: Yes  
Screen name: bmille1966 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 36 ( 100% ) 720-739 (Latest)
Principal borrowed: $7,100.00< 31 days late: 0 ( 0% )  
740-759 (Jul-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Home Improvement Loan
Purpose of loan:
This loan will be used to finish my upstairs out which includes all airconditioning and heating work. I am also replacing all the carpeting with laminate flooring and painting the entire interior of the house.

My financial situation:
I am a good candidate for this loan because. I think my repayment history of my first loan with prosper speaks for its self?

Monthly net income: $ 9583.00

Monthly expenses: $
??Housing: $ 990
??Insurance: $ 233
??Car expenses: $640
??Utilities: $ 150
??Phone, cable, internet: $ 130
??Food, entertainment: $?400
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471675
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,350.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $106.30
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 3 First credit line: Dec-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:11y 11m
Amount delinquent: $0 Total credit lines: 8 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $80Stated income:$75,000-$99,999
Delinquencies in last 7y: 4 Bankcard utilization: 16%  
   Homeownership: No  
Screen name: adaptable-commerce4 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
To Establish Better Credit
Purpose of loan:
This loan will be used to? To?reestablish my credit
My financial situation:? I've been working the same?career for 14 years in the medical services profession, solid accounts and business.? Money saved.? The?ONLY purpose of this loan is to establish and better my credit.???

Monthly net income: $?7,000 household.

Monthly expenses: $ 2,997
??Housing: $ 837
??Insurance: $ 110
??Car expenses: $ 0 own title??
??Fuel: $150
? Utilities: $ 150
??Phone, cable, internet: $ 150?
??Food, entertainment: $ 1000
??Clothing, household expenses $200
??Credit cards and other loans: $ 250
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471679
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Nov-1986 Debt/Income ratio: 14%
Credit score: 680-699 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 8Length of status:27y 2m
Amount delinquent: $2,970 Total credit lines: 30 Occupation: Professional
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $86,610Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 100%  
   Homeownership: Yes  
Screen name: impartial-loyalty Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for Son's Sr year of HS
Purpose of loan:
This loan will be used to pay for my sons Sr year of HS at a private school. He has done very well there the past few years and I do not want to pull him out before his senior year.?I had the money set aside but had some unexpected bills come up. The reason for my current financial situation was a pay cut in 2008 as well as about a 50% drop in annual bonus.

My financial situation:
I am a good candidate for this loan because my?salary is on the high side and my credit history is not terrible. If you look at my record I have been paying all creditors back and currently do not have late payments.?I do have stock options that are currently on the low side. I do expect these to increase in the next few months and then pay this loan off at that time. I also receive an annual bonus in February that will be around $25,000 this coming year. I would not plan on having this loan outstanding for more that 6 to 9 months. I?am currently on a payment plan with the IRS for taxes owed from 2008, that is the public record that is currently listed on my credit report.

Monthly net income: $ 8500

Monthly expenses: $
??Housing: $ 2500????
??Insurance: $ 400
??Car expenses: $ 750
??Utilities: $ 500
??Phone, cable, internet: $ 200
??Food, entertainment: $ 800
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 750
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471685
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $301.18
 
Auction yield range: 10.89% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Apr-2002 Debt/Income ratio: 33%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:9y 4m
Amount delinquent: $0 Total credit lines: 12 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,676Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: willgerm 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 31 ( 100% ) 680-699 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
640-659 (Oct-2009)
640-659 (Sep-2009)
620-639 (Mar-2008)
620-639 (Nov-2007)
 
Principal balance: $2,889.39 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
debt consolidation
Purpose of loan:
This loan will be used to?consolidate all my debt into one easy payment, including my previous prosper loan.? helping me save time and money.?

My financial situation:
I am a good candidate for this loan because?I just received another cost of living increase on my paycheck, and my pay history is excellent?

Monthly net income: $
2000
Monthly expenses: $
??Housing: $ 360 (mobile home)
??Insurance: $ 140
??Car expenses: $160
??Utilities: $ 160
??Phone, cable, internet: $ 80
??Food, entertainment: $ 400
??Clothing, household expenses $200
??Credit cards and other loans: $400
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471687
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Apr-1999 Debt/Income ratio: Not calculated
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 40 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,303Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: Nighthorse19 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 30 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
620-639 (Jan-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
My loan for an auto purchase
Purpose of loan:
This loan will be used to? purchase 17 y/o son's first car

My financial situation:
I am a good candidate for this loan because? I have VA disability benefits and VA Vocational Rehab stipend being paid while I obtain my Master's degree.? I am also participating in VA Work Study which pays non-reportable income.? My spouse is a member of the Missouri National Guard (E-5) and is also a full-time Federal Technician, making over $45k per year

Monthly net income: $2060.00 plus spouse income of $3200.00

Monthly expenses: $ 3035.00
??Housing: $ 650
??Insurance: $ 125
??Car expenses: $ 700
??Utilities: $ 175
??Phone, cable, internet: $ 160
??Food, entertainment: $ 700
??Clothing, household expenses $ 140
??Credit cards and other loans: $ 135
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471691
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,600.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $117.61
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Sep-1996 Debt/Income ratio: 41%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 99 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,852Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: lively-benefit4 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
Ketch-up
Purpose of loan:
This loan will be used to? by used car

My financial situation:
I am a good candidate for this loan because? I will pay back and build credit

Monthly net income: $
4,500 + 3,100 spouse income 3100.00 = 7,600.00
Monthly expenses: $
??Housing: $? 717
??Insurance: $ 300
??Car expenses: $ 100
??Utilities: $ 400
??Phone, cable, internet: $ 65
??Food, entertainment: $ 100
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 300
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 370642
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $271.14
 
Auction yield range: 16.89% - 17.00% Estimated loss impact: 19.24%  
Lender servicing fee: 1.00% Estimated return: -2.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-1989 Debt/Income ratio: 39%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 17 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $10,048Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: TJH351 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 my credit cards
Purpose of loan:
This loan will be used to? pay off credit card debt.

My financial situation:
I am a good candidate for this loan because? I am a moral and ethical individual.? I work two jobs.? One as a police officer and the other as a security director.

Monthly net income: $ 782.00 biweekely - job #1.? $ 500.00 biweekly - job #2.

Monthly expenses: $
??Housing: $ 380.00
??Insurance: $ 78.00
??Car expenses: $ 225.50
??Utilities: $ 0.00
??Phone, cable, internet: $ 175.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $
??Credit cards and other loans: $450.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459290
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 20.00% Starting borrower rate/APR: 21.00% / 24.41% Starting monthly payment: $94.19
 
Auction yield range: 16.89% - 20.00% Estimated loss impact: 25.13%  
Lender servicing fee: 1.00% Estimated return: -5.13%  
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 score (1-10): 4 First credit line: Apr-1994 Debt/Income ratio: 19%
Credit score: 600-619 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 12 / 11Length of status:10y 8m
Amount delinquent: $0 Total credit lines: 37 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,779Stated income:$100,000+
Delinquencies in last 7y: 50 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: freefallin13k Borrower's state: Texas 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: 1 / 2 On-time: 43 ( 100% ) 600-619 (Latest)
Principal borrowed: $14,000.00< 31 days late: 0 ( 0% )  
660-679 (Aug-2009)
600-619 (Jul-2008)
620-639 (Jun-2008)
620-639 (May-2008)
 
Principal balance: $2,345.79 31+ days late: 0 ( 0% )
Total payments billed: 43  
Description
Education Load
Purpose of loan:
This loan will be used?to pay tuition and books for the?semester for my daughter.??

My financial situation:
I am a good candidate for this loan because.? I have had 2 prosper loans and have always been current, I have borrowed $14k with prosper and repaid it with 43 payments on-time which has helped me clean up so aged credit issues from?almost 12 years ago during a period of unemployment.? Thus the HR credit rating is not truly reflective of my credit worthiness.? Additionally, I have substantial income to support this loan, as well as continue to pay through EFT.?
Monthly net income: $ 8000

Monthly expenses: $
??Housing: $ 2000
??Insurance: $ 500
??Car expenses: $ 1200
??Utilities: $ 300
??Phone, cable, internet: $ 250
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 464110
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Nov-1998 Debt/Income ratio: 25%
Credit score: 600-619 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 2 Current / open credit lines: 10 / 8Length of status:10y 1m
Amount delinquent: $692 Total credit lines: 63 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,207Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: gfrey1014 Borrower's state: Texas Borrower's group: Vets helping Vets
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 40 ( 93% ) 600-619 (Latest)
Principal borrowed: $21,350.00< 31 days late: 3 ( 7% )  
600-619 (Jul-2008)
600-619 (Mar-2008)
540-559 (Dec-2006)
540-559 (Nov-2006)
 
Principal balance: $5,449.06 31+ days late: 0 ( 0% )
Total payments billed: 43  
Description
My loan for an auto repair
Purpose of loan:
Replace clutch on car.

My financial situation:
I have ten years invested in the US Navy and?recently resigned four additional years,?I have steady income and?will continue to thoughout the lenth of ?the loan. I have had some bumps regarding my credit through a past divorce and have been recovering steadliy. I am going this route to fund my repairs to keep from having to tap other sources and also to continue and rebuild my creditworthiness. I have had two prosper loans one paid off and the other is still current with ten months left to payoff. Funding this loan will be an excellent investment for you and a great relief for me. You can be assured?from a US Navy Chief this loan will not defualt.

Monthly net income: $
5200.00
Monthly expenses: $
??Housing: $ 800
??Insurance: $ 150
??Car expenses: $ 456?
??Utilities: $ 150
??Food, entertainment: $?500.00
??Credit cards and other loans: $ 650.00
??Other expenses: $ Child Support 1200.00
? TSP 200.00
? New Prosper 68.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465748
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.2%  
   
 
Starting lender yield: 13.89% Starting borrower rate/APR: 14.89% / 18.18% Starting monthly payment: $259.59
 
Auction yield range: 13.89% - 13.89% Estimated loss impact: 14.79%  
Lender servicing fee: 1.00% Estimated return: -0.90%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-2003 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 24 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,956Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: Yes  
Screen name: Ken4Christ4ever Borrower's state: Wisconsin Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 3 ( 100% ) 700-719 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
680-699 (Jul-2010)
740-759 (Dec-2007)
660-679 (Nov-2007)
680-699 (Oct-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 3  
Description
Refinancing CC/Auto loans
I have been in business for 7 years selling cards from the Redemption CCG as more or less of a hobby. However, as of January 1, 2008, it has become a part-time job with gross sales rising from $4,000/year to $19,000/year. I am also a financial representative, working on commission, and the last couple months have been very slow, so I have had to use my line of credit at a credit union and was not able to pay off my credit card in full. I would like to pay off the credit card and get rid of my auto loan with a credit union that has been causing me headaches, which is what the funds from this loan will be used for.

I have never missed a payment and have strict budgeting practices with one exception. Our mortgage company required us to be 60 days late before we could discuss options with them on selling our home in Arizona. Unfortunately, this had a huge negative impact on our credit score at the end of 2008. The personal debt that I have is $5,000 in an auto loan (6.25% fixed), $5,000 in student loans (3.25% fixed), a $53,000 (8.90%) 15-year fixed mortgage, $9,000 on a credit card (3.99% fixed), $5,000 on a line of credit (12% fixed), and $1,500 on a credit card (26.99% variable).

The income for my wife and myself is derived from my business profit from the store I own, my commissions as a financial adviser, and my wife's daycare income.
Monthly gross income: $4,000+

Any additional money that we make each month is used to pay off our debt quicker, with a goal of being debt-free within 5-7 years. Though this would be our highest interest rate, we will be paying down our debt in the following order:
1) Line of credit
2) Credit card
3) Mortgage
4) Prosper loan
5) Student loan

I have received an approval at a local bank for a 10.5% auto loan for $6,000 but would be willing to go with the higher rate to be able to pay off the credit card as well. This loan would reduce our monthly payment by $57, so we would easily be able to continue making the payments since we have been able to do so with the higher monthly amount. If you can help, I promise that your investment will be repaid on-time every time!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466734
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-1992 Debt/Income ratio: Not calculated
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 2 / 2Length of status:3y 7m
Amount delinquent: $856 Total credit lines: 14 Occupation: Professional
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $2,668Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: lawbank 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
Growth Capital
Purpose of loan:
This loan will be used to???I will use the money to invest in income generating equity investments. I have been an avid, active stock trader for 5 years-3 of which have been professional.

I prefer to use loans from prosper rather than other sources due to the fixed rate and because I prefer to keep my investment accounts segregated from my other personal assets. I have sources of collateral that exceed the loan balance that could be liquidated in the unlikely event that I would need them for payments. My investment strategy is an income strategy and I use the income I generate to make my payments on the loan.

I have been successful in my previous trading and am creating this new loan to increase my trading business.

My assets include:


My financial situation:
I am a good candidate for this loan because? I can make the loan payments from the income generated or the collateral, if need be.

Monthly net income: $4300

Monthly expenses: $2500
??Housing: $ 600
??Insurance: $ 0?
??Car expenses: $ 200
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 250
??Credit cards and other loans: $?1050
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470756
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 3 First credit line: May-1998 Debt/Income ratio: 40%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:17y 3m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,971Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: worthy-liberty 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
Sick of credit card debt
Purpose of loan:
This loan will be used to? consolidate credit card debt.

My financial situation:
I am a good candidate for this loan because? we want to finish what we started

Monthly net income: $ 5200

Monthly expenses: $
??Housing: $ 660
??Insurance: $ 450
??Car expenses: $?600
??Utilities: $ 100
??Phone, cable, internet: $ 160
??Food, entertainment:?$500
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470860
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.8%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 10.89% - 34.00% Estimated loss impact: 10.67%  
Lender servicing fee: 1.00% Estimated return: 23.33%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-1994 Debt/Income ratio: 5%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 33 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,061Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: stanfordAO Borrower's state: NewYork Borrower's group: Stanford Students &amp; Alumni
Credit and homeownership information was obtained 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% ) 680-699 (Latest)
Principal borrowed: $9,900.00< 31 days late: 0 ( 0% )  
680-699 (Apr-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Investing in Business Venture
Purpose of loan:
This loan will be used to invest in a?financial technology venture.

My financial situation:
I am a good candidate for this loan because?my stable cash flow is more than $10K a month and I have never missed even 1 loan or credit card payment in more than 15 years.?

Monthly net income: $ 10,500 after tax / $18,333 pre tax

Monthly expenses: $ 7,500
??Housing: $ 3,000
??Insurance: $ 0
??Car expenses: $ 0?
??Utilities: $ 200
??Phone, cable, internet: $ 300?
??Food, entertainment: $ 2,500
??Clothing, household expenses $500
??Credit cards and other loans: $ 500
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471246
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-1992 Debt/Income ratio: 15%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 4 Current / open credit lines: 3 / 3Length of status:13y 9m
Amount delinquent: $9,689 Total credit lines: 23 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $853Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: eagleanime Borrower's state: Minnesota Borrower's group: Business Owners Cooperative
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Inventory Orders for Holiday Season
Purpose of loan:
2009 was a difficult year for sales.? 2010 has greatly improved and we are looking forward to a strong fall convention season and holiday sales.? We have the opportunity to order very popular products that are imported from Japan (Anime/Toys).?? Our next convention is Labor Day weekend and we would like to have some of these products available for that convention.

We have?2 conventions a month for the rest of the fall.? The product turn over rate has been high this summer, and we expect it to continue into fall.?

My financial situation:
My wife and I both work full time jobs as we are growing this business. The business is covering all of it's own expenses at this point.??Our income is servicing our old debts and we are re-investing in the business.?
We have a surplus each month that will be able to?cover the payments on this?loan.
However we have?small order window, and we cannot come up with the enitre?amount needed right now.


Monthly net income: $
6500

Monthly expenses: $
??Housing: $ 1680
??Insurance: $??400
??Car expenses: $ 500 (with insurance)
??Utilities: $ 300
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $?100?
??Credit cards and other loans: $?400?

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471338
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.2%  
   
 
Starting lender yield: 13.89% Starting borrower rate/APR: 14.89% / 18.18% Starting monthly payment: $259.59
 
Auction yield range: 13.89% - 13.89% Estimated loss impact: 14.79%  
Lender servicing fee: 1.00% Estimated return: -0.90%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: May-2001 Debt/Income ratio: 12%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 7Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 25 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,737Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: stylish-duty1 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to consolidate my credits card debt.

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

Monthly net income: $ 4,125.00

Monthly expenses: $
??Housing: $ 250
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 160
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $?750
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471360
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-2001 Debt/Income ratio: 20%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 13 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,412Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: jrenwill 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: 22 ( 100% ) 660-679 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
640-659 (Sep-2008)
 
Principal balance: $3,092.59 31+ days late: 0 ( 0% )
Total payments billed: 22  
Description
2nd Prosper Loan - NEVER LATE
Purpose of loan:
Reduce monthly obligations by further consolidating debt. My goal is to ultimately be debt-free and able to devote more of my income to saving.

My financial situation:
I am a good candidate for this loan because I am an on-time payer with a stable job (in a down economy, my company has actually grown to 5x?s the size it was a year ago). The trial payment period of my mortgage modification resulted in an apparent deliquency on my credit report, and I'm working to build my credit score/history?back up. I have one previous Prosper loan and have never been late on a payment.

Monthly net income: $ 3200

Monthly expenses: $ 2370
??Housing: $ 1230
??Insurance: $ 50
??Car expenses: $ 100
??Utilities: $?40
??Phone, cable, internet: $ 100
??Food: $?200
??Clothing, household expenses $ 150
??Credit cards and other loans: $?400
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471366
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Dec-2000 Debt/Income ratio: 52%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:4y 11m
Amount delinquent: $345 Total credit lines: 21 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: bid-enchilada 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
starting over
Purpose of loan:
This loan will be used to? start our life over.
My financial situation:
I am a good candidate for this loan because?we're now on a strict budget, and we know we can do this.? To be honest, we have recently filed for bankruptcy (which doesn't show on the credit report yet), and we just need a little help starting?over.? My wife and I have both have stable jobs, and we have created a strict budget, and we would really like some help with consolidating some of our non-dischargeable debts, such as student loans, small medical bills, and also repairing of our vehicle and water heater.?
Monthly net income: $ 3300.00

Monthly expenses: $ 2869
??Housing: $ 1113
??Insurance: $
??Car expenses: $ 436
??Utilities: $ 280
??Phone, cable, internet: $ included in utilities
??Food, entertainment: $ 360
??Clothing, household expenses $
??Credit cards and other loans: $ 280
??Other expenses: $ 400? daycare
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471372
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $410.94
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jan-1986 Debt/Income ratio: 25%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:16y 5m
Amount delinquent: $0 Total credit lines: 38 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,749Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 38%  
   Homeownership: Yes  
Screen name: zone155 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
Business Opportunity
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 471380
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $316.65
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Mar-1999 Debt/Income ratio: 12%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:4y 10m
Amount delinquent: $0 Total credit lines: 4Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,208 
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: new-goodhearted-generosity 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
personal loan for other use
Purpose of loan:
This loan will be used to? remodel my kitchen

My financial situation:
I am a good candidate for this loan because?I don't have a monthly mortgage and the only debt that I have monthly are my utilities, cable, and food.

Monthly net income: $ <3600.00Monthly expenses: $ <480.00??Housing: $0
??Insurance: $87.00
??Car expenses: $
??Utilities: $200.00
??Phone, cable, internet: $50.00
??Food, entertainment: $150.00
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471384
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $602.36
 
Auction yield range: 10.89% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Mar-1993 Debt/Income ratio: 28%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:11y 0m
Amount delinquent: $0 Total credit lines: 35 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,857Stated income:$75,000-$99,999
Delinquencies in last 7y: 2 Bankcard utilization: 30%  
   Homeownership: Yes  
Screen name: myburningbush Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 30 ( 100% ) 740-759 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
680-699 (Dec-2007)
 
Principal balance: $1,969.43 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Dream Bakery Business
Purpose of loan:
This loan will be used as a down payment on a bakery that is an established business.? It has been in the location for over 15 year and the current owner has had it for six year.

My financial situation:
I am a good candidate for this loan because I pay my bills on time and in full. I am not over extended in my debts.? The baker is a turnkey operation, but I intend to be very hands on.

Monthly net income: $ 6609.00

Monthly expenses: $ 3704
??Housing: $ 1066
??Insurance: $ 125
??Car expenses: $ 450
??Utilities: $ 325
??Phone, cable, internet: $ 148
??Food, entertainment: $ 425
??Clothing, household expenses $ 315
??Credit cards and other loans: $ 550
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471394
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Apr-1999 Debt/Income ratio: 7%
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:10y 3m
Amount delinquent: $0 Total credit lines: 14 Occupation: Professional
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 13 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: determined-marketplace8 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
Loan to pay off recent medical bill
Purpose of loan:
This loan will be used to pay off a few medical bills. My wife and kids had a few unexpected visits to the hospital this year. Although I have medical insurance, I have a high yearly deductible to pay before the insurance starts paying. With all the precautionary tests that the hospital decided to run on my wife and kids during their visits, you can imagine how quickly the amount charged for these services added up.

My financial situation:
I am a good candidate for this loan because I have a fulltime job?with a company that I have been at for 10+?years. My wife just recently started a new job as a phlebotomist. She has been working for?2 months now after being without a job since February. This loan will help prevent the medical bills from going to collections. We will not have any problems paying back this loan with my steady income and the new income we now have with my wife's new job. This is a good safe way for you to make easy money on a good investment. We have little revolving credit as we only have two credit cards total. We had credit issues a couple of years ago, but those issues have been resolved.

Monthly net income: $ 5225.00

Monthly expenses: $?
??Housing: $ 685
??Insurance: $?600 (auto, home,?and medical)
??Car expenses: $ 250
??Utilities: $ 200
??Phone, cable, internet: $?110
??Food, entertainment: $?750
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 75
??Other expenses (Gas, medical, etc.): $ 700
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471396
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.2%  
   
 
Starting lender yield: 22.00% Starting borrower rate/APR: 23.00% / 26.46% Starting monthly payment: $290.32
 
Auction yield range: 13.89% - 22.00% Estimated loss impact: 15.19%  
Lender servicing fee: 1.00% Estimated return: 6.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1993 Debt/Income ratio: 21%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 10Length of status:17y 10m
Amount delinquent: $1,160 Total credit lines: 48 Occupation: Engineer - Chemical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,120Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: American_Soldier_at_War_for_you Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my 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? U.S Army Soldier fighting for you at war.

Monthly net income: $ 6600

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 75.00
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $?86
??Food, entertainment: $ 300
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 200
??Other expenses: $ 800

The one delinquent account is from TXU. I lived in a studio apt and always paid my electric bill in full on time. One day I received a letter saying your a outstnding cutomer blah,blah,blah but your meter is broken for the past 2 yrs (my entire time at the address). We were not charging you enough but we can only go back a year and charge you a GUESS-A-MENT of owing us $1,160. I got a lawyer and he told them that they had a meter man check every month and never found nothing wrong so how are we suppose to believe Mr. B owes you this amount and it's no proof just what you say. My bill was never more than $80 a month and that's about right for a single man in a studio apt. They got upset and put this on my credit report. Am I wrong for that?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471408
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.6%  
   
 
Starting lender yield: 7.25% Starting borrower rate/APR: 8.25% / 8.59% Starting monthly payment: $786.30
 
Auction yield range: 2.89% - 7.25% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jul-1979 Debt/Income ratio: 17%
Credit score: 840-859 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:31y 10m
Amount delinquent: $0 Total credit lines: 25 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,261Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: Yes  
Screen name: basis-fir 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
FUND SHOP
Purpose of loan:
This loan will be used to build a shop on my property for storage, and the operation of my wifes small Ebay business.
My financial situation:
I am a good candidate for this loan because I have been?in my present employment for 30+ years.? I have a?good income from my job, and additional income from an investment property, and real estate.
I have chosen prosper because? the present? commercial lending climate for this type of project is very difficult.
Thank You
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471414
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.7%  
   
 
Starting lender yield: 12.75% Starting borrower rate/APR: 13.75% / 17.02% Starting monthly payment: $204.34
 
Auction yield range: 7.89% - 12.75% Estimated loss impact: 8.98%  
Lender servicing fee: 1.00% Estimated return: 3.77%  
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 score (1-10): 7 First credit line: Jan-2003 Debt/Income ratio: 12%
Credit score: 800-819 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:9y 11m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,082Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: Yes  
Screen name: basis-oak Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
New car loan
Purpose of loan:
This loan will be used to?
Purchace a new vehicle for personal use????
My financial situation:
I am a good candidate for this loan because?
I have a great credit report and do not miss payments for any of my bills.? I also have a co-borrower if that will help me get a good rate but there is no place for that in this application
Monthly net income: $
28080, but is 77040 with my husband as my co-borrorwer
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 471428
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Aug-1998 Debt/Income ratio: 31%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 8Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 40 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,051Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: euro-trailblazer 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
unexpected debt
This loan will be used to pay off an unexpected debt.

I am a little taken a back by my low prosper score, however, I believe it is due to the fact that I was not able to use my wife's income and most of our household bills are in my name. My wife and I make around $135,000.00/yr combine. In my entire history I have never missed any sort of debt payment.

I am requesting this loan to help my mother with an unexpected debt. I normally have at least a few thousand dollars at my disposal but I recently spent my liquid saving on an unexpected and necessary car down payment last month (the new car loan could also be contributing to a lower prosper score).

I anticipate paying this debt off before loan maturity but at 35% I am sure you will make a couple bucks for taking a risk.

Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471434
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $113.09
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-2006 Debt/Income ratio: 25%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 8 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,005Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: No  
Screen name: tenacious-investment381 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
Pay off credit card
Purpose of loan:
To pay off a credit card so I can then close the account.
My financial situation:
I am a good candidate for this loan because I have a full time job and I have learned the hard way about not having debt and staying debt FREE!

Monthly net income: $ 1000

Monthly expenses: $
??Housing: $ 565
??Insurance: $ 74
??Car expenses: $ 144
??Utilities: $ 35
??Phone, cable, internet: $ 119
??Food, entertainment: $ 50
??Clothing, household expenses $ 25
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471438
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jul-2007 Debt/Income ratio: Not calculated
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 2Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 4Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,651 
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: michaelulin 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
Debt consolidation/School
Purpose of loan:
This loan will be used to consolidate debt and to help pay for school.

My financial situation:
I am currently a student at Emory University in Atlanta, Georgia. I am a Senior, and I will graduate in May of 2011 at which time I will begin working. I have a double major in political science and economics. I receive income from my parents. I have savings from working at previous paid internships.

Monthly net income: $ 800

Monthly expenses: $ 400
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 300
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 100
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471442
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,752.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 8.02% Starting borrower rate/APR: 9.02% / 12.04% Starting monthly payment: $55.73
 
Auction yield range: 5.89% - 8.02% Estimated loss impact: 5.07%  
Lender servicing fee: 1.00% Estimated return: 2.95%  
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 score (1-10): 8 First credit line: Oct-2000 Debt/Income ratio: 6%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 25 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: TaxesForMuchLessInc Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 740-759 (Latest)
Principal borrowed: $1,100.00< 31 days late: 0 ( 0% )  
780-799 (Oct-2009)
680-699 (Aug-2009)
 
Principal balance: $538.43 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Trying to get a great rate
This loan will be at 12.04%.? That is a fair rate and I will accept the loan if it is funded.? I withdrew my last listing because the rate was 19% or something ridiculous like that.

Purpose of loan:
This loan will be used to consolidate debt.? I will be using the funds to pay off my other Prosper loan and Preferred credit account.

My financial situation:
I could get a loan from a bank but prefer to give individuals the opportunity to make a great investment.? I have never missed a payment in my life.? I won't start now.

Monthly gross income: $ 1,440.00

Monthly expenses: $ 1,534.31
? FICA Tax? $110.16
? Federal Income Tax $0.00
? State Income Tax? $0.00
??Housing: $ 442.66
??Insurance: $ 100.00
??Gas expenses: $ 90.00
??Utilities: $ 180.00
??Phone, cable, internet: $ 105.00
??Food, entertainment: $ 350.00
? Prosper loan? $35.46
? Credit Card? $72.00
? Installment loan? $49.03

FYI: My debts
Mortgage ? $42,956.00
Prosper loan? $555.15
Preferred Credit? $1,126.91
Marine Federal Credit Card? $3,566.00

Your bid on this loan will make me extra happy.? I like shampoo bottles that sit on my lappy.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471444
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.6%  
   
 
Starting lender yield: 7.25% Starting borrower rate/APR: 8.25% / 8.59% Starting monthly payment: $345.97
 
Auction yield range: 2.89% - 7.25% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: May-1994 Debt/Income ratio: 11%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 17Length of status:23y 11m
Amount delinquent: $0 Total credit lines: 31 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,343Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: Yes  
Screen name: openness-bunny 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
loan to son
Purpose of loan:
This loan will be used to? help my son buy a car.

My financial situation:
I am a good candidate for this loan because? I pay all my debts on time. My son intends to pay me back as soon as possible with commissions from his job. I will then pay off this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471446
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.2%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $198.80
 
Auction yield range: 13.89% - 24.00% Estimated loss impact: 15.28%  
Lender servicing fee: 1.00% Estimated return: 8.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1989 Debt/Income ratio: Not calculated
Credit score: 660-679 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:9y 2m
Amount delinquent: $0 Total credit lines: 39 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,499Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: No  
Screen name: hurricanewoof Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,200.00< 31 days late: 0 ( 0% )  
660-679 (Sep-2009)
 
Principal balance: $782.87 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Fix Bathroom + Replace Flooring
Purpose of loan:
This loan will be used to finish repairs of our bathroom and replace the flooring in the living room, dining room, and kitchen. The dogs have torn up the carpet and we are embarrassed to have anyone over!

I am a good candidate for this loan because I have an established job, pay all bills on time, and am a current prosper borrower in good standing.? The reason my credit score is low is:? I placed all my business purchasing on personal credit cards.?




Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471448
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.6%  
   
 
Starting lender yield: 7.25% Starting borrower rate/APR: 8.25% / 8.59% Starting monthly payment: $132.10
 
Auction yield range: 2.89% - 7.25% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Nov-1995 Debt/Income ratio: 17%
Credit score: 840-859 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 13Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 35 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,064Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: Yes  
Screen name: ansky127 Borrower's state: NewYork Borrower's group: Thousand Dollar Group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for home improvement
Purpose of loan:This loan will be used to? do some updating to my kitchen. Adding a hallway with a much needed pantry.

My financial situation: I am a good candidate for this loan because?as you can see from my credit rating I am an excellent candidate for this loan. I pay all bills on time and do not have a lot of debt.

My net income is about $5500 a month, not including bonuses that I receive twice a year.

Mortgage (and taxes) $2000
Car $600
Cable, oil, elc $400
Entertainment $300
Grocery $300
Other debt $500
Misc $500

This leaves me plenty of excess money to pay for this loan.

This also doest not included my girlfriend's income. She helps out with the bills too.

$7,000 of the revolving credit balance is the balance of the money I owe for my PSL for the NY Giants season tickets. This is actually an asset that is work over $10,000. I make small payments because I financed the PSL with a low interest rate.

Thanks for looking and please let me know if you have any questions!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471450
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 33.56% Starting monthly payment: $41.09
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Nov-1995 Debt/Income ratio: 3%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:10y 8m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,574Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 104%  
   Homeownership: Yes  
Screen name: commerce-defender0 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
Credit Card Payoff
Purpose of loan:
payoff some high-interest credit cards

My financial situation:
I pay my bills and this will help me get ahead of these credit card charges that I ran up while my wife was out of work.

Monthly net income: $ 2238

Monthly expenses: $
??Housing: $ 1025
??Insurance: $ 210
??Car expenses: $ 150
??Utilities: $ 150
??Phone, cable, internet: $ 140
??Food, entertainment: $ 240
??Clothing, household expenses $ 110
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471456
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 10.89% Starting borrower rate/APR: 11.89% / 15.12% Starting monthly payment: $248.71
 
Auction yield range: 10.89% - 10.89% Estimated loss impact: 11.03%  
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 score (1-10): 5 First credit line: Oct-2002 Debt/Income ratio: 26%
Credit score: 740-759 (Jul-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 21 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,229Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: No  
Screen name: utensil92 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off st. loan and credit card
Purpose of loan:
This loan will be used to consolidate all my credit cards and to pay off my student loan.

My financial situation:
I am a good candidate for this loan because?I am employed full time and have been on the job for over a year. My monthly expenses are fairly low so paying off this loan should be no problem.

Monthly net income: $ 1315.80

Monthly expenses: $
??Car expenses: $ 303.00
???Food: $ 600.00
??Credit cards and other loans: $ 6200.00

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471462
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.6%  
   
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $156.68
 
Auction yield range: 2.89% - 7.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.45%  
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 score (1-10): 10 First credit line: Aug-1996 Debt/Income ratio: 3%
Credit score: 840-859 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 26 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,847Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: gold-mammal 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
Renovating garage apartment
Purpose of loan:
This loan will be used to?

To finance the renovation of our garage apartment with the intent of renting out the unit for $600-$700 per month.?

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

I have excellent credit (score is in the 800's), good income (knocking on $100K now, expecting substantial raise and bonus within 6 months).??Moreover,?as a matter of principle, my wife and I do not live beyond our means (manageable mortgage at $1,959/mo, cars paid for, and we save each month).? Renovating and renting out the apartment will only strengthen our financial wherewithal; however, if we are unsuccessful, the $150/mo loan payment is more than manageable.? That being said,?we live in a very desirable part of town and are confident that with our unique renovation (true to the period, but modernized) renting the garage apartment?will be pretty easy.? I am also personally contributing?to the cost of the renovation and not trying to do this strictly with other people's money.?

Please feel free to contact me if you have any questions, I am happy to oblige.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471466
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5%  
   
 
Starting lender yield: 9.50% Starting borrower rate/APR: 10.50% / 12.61% Starting monthly payment: $487.54
 
Auction yield range: 3.89% - 9.50% Estimated loss impact: 3.53%  
Lender servicing fee: 1.00% Estimated return: 5.97%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jun-1991 Debt/Income ratio: 21%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 63 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $167,511Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: Yes  
Screen name: rob1171 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Reducing Credit Card Rate
I have been working overseas the past 2 years in order to pay down my debts by taking advantage of the Expat status ( first $90,000 of salary is Federal Income tax exempt). Im glad to say my debt has reduced dramatically and that this loan is to reduce the rate on my last Credit Card with a high rate.

I have been in Abu Dhabi working for two years and will now be transferred to Turkey on a 4 year Hydro Electric Power Dam project which includes a 15% raise.

Please email me with any questions you may have.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471470
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,950.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $319.25
 
Auction yield range: 10.89% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-1997 Debt/Income ratio: 17%
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:23y 10m
Amount delinquent: $0 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,847Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: boulderclear Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 24 ( 96% ) 640-659 (Latest)
Principal borrowed: $2,950.00< 31 days late: 1 ( 4% )  
640-659 (Jun-2010)
620-639 (Jul-2009)
600-619 (Jun-2008)
560-579 (May-2008)
 
Principal balance: $1,038.63 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Pay off ALL credit cards NOW
Purpose of loan:
This loan will be used to? consolidate all of my debt.? The remaining
ammount I will use to buy supplies for my business.? Our business
is up 28% this year and we becoming very efficient and the best at our business.

My financial situation:
I am a good candidate for this loan because? during the last two
years I have reduced my debt from $41,000 to less than $15,000.? My
current debt has high interest and would like to get rid of it.

Monthly net income: $ 5100.00

Monthly expenses: $3000.
??Housing: $ 575
??Insurance: $35
??Car expenses: $450
??Utilities: $235
??Phone, cable, internet: $150
??Food, entertainment: $ 300
??Clothing, household expenses $220?
??Credit cards and other loans: $ 900
??Other expenses: $225
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471476
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,400.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.79% Starting monthly payment: $62.82
 
Auction yield range: 13.89% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-2002 Debt/Income ratio: 47%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 17 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,409Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: No  
Screen name: truth-empire0 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a car
Purpose of loan:
This loan will be used to purchase a car to drive to work.

My financial situation:
I am a good candidate for this loan because all bills are shared with my fianc?e and I can repay the loan early. I am able to save $300 per month.

Monthly net income: $
$1550
Monthly expenses: $
??Housing: $ 250
??Insurance: $ 40
??Car expenses: $ 0
??Utilities: $?30
??Phone, cable, internet: $ 35
??Food, entertainment: $ 75
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 100
??Other expenses: $ 65
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471478
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1997 Debt/Income ratio: Not calculated
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 9 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: courteous-community342 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
Pull it together to keep it going
Purpose of loan:
This loan will be half as debt consolidation and half for marketing expenses. I am an independent contractor who just started in a new position in a new place. With this loan, I can make sure all my bills are paid and get out there to find new clientele.My financial situation:
I am a good candidate for this loan because my job is secure with LOTS of potential. I love what I do, I'm good at it. My current income will improve over the next six months, and two of my loans will be paid off by December 2010. The completion of those loans will give me an additional $450 on my current monthly income. There are no credit cards in my list of debts.

Monthly net income: $ 1000-$2000

Monthly expenses: $ 2100
??Housing: $ 550
??Insurance: $ 80
??Car expenses: $ 385 (gas included)
??Utilities: $ 35-$100
??Phone, cable, internet: $ 65
??Food, entertainment: $ 225
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 530
??Other expenses: $ 140

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471482
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $143.83
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-2001 Debt/Income ratio: 14%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 5 / 5Length of status:5y 7m
Amount delinquent: $11,005 Total credit lines: 14 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,159Stated income:$75,000-$99,999
Delinquencies in last 7y: 11 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: shaker971 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
Back to school expenses/pay debts
Purpose of loan:
This loan will be used to?
Buy school supplies for my two daughters and pay off a couple of high interest credit cards

My financial situation: I have a very stable job and my income is very good.

I am a good candidate for this loan because?
I?m very responsible person. I never late paying bills because I knew it would impact my credit scores. I?m working very hard to pay off my credit cards debts and now most of them have $0 balance.

Monthly net income: $ 4800

Monthly expenses: $
??Housing: $1200
??Insurance: $
??Car expenses: $550
??Utilities: $100
??Phone, cable, internet: $200
??Food, entertainment: $650
??Clothing, household expenses $100
??Credit cards and other loans: $200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471484
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-2004 Debt/Income ratio: 4%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:7y 10m
Amount delinquent: $0 Total credit lines: 6 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $61Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: Investor_83 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Investor Purchasing Rental Property
Purpose of loan:
This loan will be used as a down payment for a rental property.?

My financial situation:
I have excellent credit history and currently have no debt.? I pay my full credit card balance each month.? I own my own vehicle and have no payment associated with it.? I have been employed with the same company since October of 2002.?? My income is enough to cover both the prosper loan and the bank payment on the property if I do not have a tenant.

I am also a lender with prosper and have been an active investor since 2008.

Monthly net income: $
My Monthly Income after Taxes: $4000.00

Monthly expenses: $?
Rent $905.00
Electricity $75.00
Cable & Internet $100.00
Car Insurance & Gas $200.00
Phone $100.00
Food & Clothing $200.00
Other Miscellaneous $100.00
Total Monthly Expenses:? $1680.00


Prosper Payment: $200.00
Bank Payment on Property: $1200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471490
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Sep-1994 Debt/Income ratio: 20%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 8Length of status:0y 5m
Amount delinquent: $7,140 Total credit lines: 49 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,949Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: a-payout-beast Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
consolidating smaller loans
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 471492
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $113.09
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Jan-1994 Debt/Income ratio: 14%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 12 Current / open credit lines: 5 / 5Length of status:4y 11m
Amount delinquent: $122,247 Total credit lines: 53 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,267Stated income:$50,000-$74,999
Delinquencies in last 7y: 74 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: delectable-wealth2 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
Home improvement time!
It's home improvement time again! I bought a fixer-upper here in California and it's been taking me about five years to modernize it. Being a teacher it hasn't been easy to make home improvements especially with the economic situation. I was also laid off several times in my first three years of teaching. I've paid my dues and now Im a permanent teacher! Now I gross $66.000 and an additional $9,000 for taking leadership positions. I'm single and able to make my payments on time. I'm not asking for much. I'm being responsible to only ask for what amount I need. I'm also renting out one of my bedrooms which is helping me with my mortgage. My roommate has cut my monthly house payment from $1800 to $1200! He's been living with me for the past two years. I finally feel that I'm back on track with my financial situation and have already paid-off some loans.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471494
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5%  
   
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 10.08% Starting monthly payment: $94.01
 
Auction yield range: 3.89% - 7.00% Estimated loss impact: 3.51%  
Lender servicing fee: 1.00% Estimated return: 3.49%  
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 score (1-10): 9 First credit line: Jul-1992 Debt/Income ratio: 13%
Credit score: 800-819 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:8y 11m
Amount delinquent: $0 Total credit lines: 21 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,647Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: vigilance-warp-speed 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 2 high APR cards
Purpose of loan:
This loan will be used?to pay off high interest credit debt and for consolidation into one monthly payment. ?

My financial situation:
I am a good candidate for this loan because I have a consistent job with senority, which means job security. I have a low credit to debt?ratio and?my credit score is outstanding.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471496
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $260.54
 
Auction yield range: 5.89% - 14.15% Estimated loss impact: 6.19%  
Lender servicing fee: 1.00% Estimated return: 7.96%  
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 score (1-10): 8 First credit line: Oct-1995 Debt/Income ratio: 46%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 24 / 20Length of status:35y 0m
Amount delinquent: $0 Total credit lines: 56Stated income:$75,000-$99,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,692 
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: Dpars655 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
Sons Final Year of college
Purpose of loan:
This loan will be used to?Pay my sons?tuition for his final year of college?

My financial situation:
I am a good candidate for this loan because? Have been consistant paying my debts

Monthly net income: $ 7000.00

Monthly expenses: $
??Housing: $ 845.38
??Insurance: $?430.00
??Car expenses: $ 762,58
??Utilities: $ 500.00
??Phone, cable, internet: $350.00
??Food, entertainment: $ 600.00
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $ 800.00
??Other expenses: $ 600.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471502
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $140.55
 
Auction yield range: 10.89% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-1993 Debt/Income ratio: 16%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:7y 10m
Amount delinquent: $0 Total credit lines: 15 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,539Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Bankcard utilization: 19%  
   Homeownership: No  
Screen name: jemsmom Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 37 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,800.00< 31 days late: 0 ( 0% )  
620-639 (Aug-2009)
520-539 (Apr-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 37  
Description
Independence!
Purpose of loan:
This loan will be used to? pay off an unexpected tax bill and for moving expenses.
My financial situation:
I am a good candidate for this loan because:I have received two loans from Prosper lenders in the past and have paid them both off in a short time. My credit situation is improving. I have a stable income and I pay my bills on time. This is a big push for me to become finally and fully independent. Thank-you!
Monthly net income: $ 3152
Monthly expenses: $
??Housing: $ 730
??Insurance: $ 120
??Car expenses: $ 8
??Utilities: $ 160
??Phone, cable, internet: $ 225
??Food, entertainment: $ 400
??Clothing, household expenses $ 120
??Credit cards and other loans: $ 565 (includes Prosper)
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471504
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-1973 Debt/Income ratio: 59%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 9Length of status:17y 2m
Amount delinquent: $0 Total credit lines: 27 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,467Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: caring-deal1 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off some debt
Purpose of loan:
This loan will be used to?
pay the deductible on my auto ins.-got in small fender bender and need transportation to work-I also want to pay down some debt
My financial situation:
I am a good candidate for this loan because? My work is stable and I have longevity on one job. Income potential is also there. Looking for big things to happen this year!?

Monthly net income: $
1600
Monthly expenses: $
??Housing: $ 945
??Insurance: $ Husband
??Car expenses: $ Husband
??Utilities: $ Husband
??Phone, cable, internet: $ Husband
??Food, entertainment: $ 400
??Clothing, household expenses $ Husband
??Credit cards and other loans: $ 90
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471508
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5%  
   
 
Starting lender yield: 10.15% Starting borrower rate/APR: 11.15% / 13.27% Starting monthly payment: $492.15
 
Auction yield range: 3.89% - 10.15% Estimated loss impact: 3.53%  
Lender servicing fee: 1.00% Estimated return: 6.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Dec-1990 Debt/Income ratio: 12%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,615Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: Yes  
Screen name: the-hope-hickory 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
Wedding and home reno equals debt
Purpose of loan:
My husband and I got married in March and we are also in the midst of a home renovation of a sweet little fixer upper we bought about a year and a half ago.? My husband is a fantastic do-it-yourself-er, so the renovation has been a lot less expensive than it could have been, but he still has a wife to please (me!) and I am pretty particular about this looking like a professional job.? We only want to do this once and make sure we do the necessary work to maximize our market value when we decide to sell.? All that being said, the savings has dwindled and the credit cards have been put into overdrive.?? Neither of us are fond of using our credit cards this way and would like to fix the situation as soon as we can with a much more preferrable interest rate.

My financial situation:
Both my husband and I have excellent credit ratings and up until recently we have enjoyed the ability to pay off our credit cards every month.? Since getting married, we agreed to use only?only two?bank credit cards, one for everyday living, for which we earn?airmiles, and one for the renovation, which at the time?had an introductory rate of 0%.??The interest on that card has kicked in and the balance is too high to pay off?all at once.? My husband's income is not listed in the stated income above, but he makes an additional $83K/yr and has been with his job for 17+ years.? My prior employment lasted 12 years, so we both have very stable job histories.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471510
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 3 First credit line: Jan-1989 Debt/Income ratio: 23%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 5Length of status:29y 0m
Amount delinquent: $0 Total credit lines: 54 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,494Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: compassionate-marketplace 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 real estate taxes
Purpose of loan:
This loan will be used to pay real estate taxes.?

My financial situation:
I am a good candidate for this loan because I always pay my bills every month. I had a bankruptcy almost ten years ago that will disappear in May. It was from an auto accident my wife had, not due to my not paying any bills. I closed some credit cards and so naturally my credit score dropped. I have worked for the same co. for 29 years this month and lived in the same house for21 years. Banks do not want to help me based solely on this credit score.

Monthly net income: $
4500
Monthly expenses: $
??Housing: $ 512
??Insurance: $ 140
??Car expenses: $ 485
??Utilities: $ 260
??Phone, cable, internet: $ 100
??Food, entertainment: $ 800
??Clothing, household expenses $?30?
??Credit cards and other loans: $ 190
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471514
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $271.14
 
Auction yield range: 16.89% - 17.00% Estimated loss impact: 19.24%  
Lender servicing fee: 1.00% Estimated return: -2.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Mar-1988 Debt/Income ratio: 10%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 3 / 3Length of status:1y 9m
Amount delinquent: $2,233 Total credit lines: 10 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: ecstatic-finance2 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
overseas funeral and trip expenses
Purpose of loan:
This loan will be used to? overseas funeral and trip expenses

My financial situation:
I am a good candidate for this loan because?dont have any other debt?

Monthly net income: $ 2600

Monthly expenses: $
??Housing: $ 725
??Insurance: $ 50
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 0
??Food, entertainment: $ 60
??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 471522
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,900.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $131.18
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-1993 Debt/Income ratio: Not calculated
Credit score: 620-639 (Jul-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 7 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,721Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: certifiedlifecoach Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 35 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,200.00< 31 days late: 0 ( 0% )  
620-639 (Jul-2007)
 
Principal balance: $41.72 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Successful, Internet Marketer/Actor

? Hi I'm a hard working man who has went through?two layoffs wihin the past 4 yrs.?
...I just started my own internet marketing company, "Integrative Marketing Strategies"? registered here in the State of Ohio and would like to never have to experience a layoff ever again.?
? I've been studying with top well known internet Marketing Guru,? for the past six months and am now scheduled to launch a lucrative affiliate sales program as well my own products and web sites.? I have some start up costs for this launch, but because of the team that I am aligned with success is almost guaranteed.?
? ?I've worked hard my entire life since the age of 15.? My natural work ethic combined with the team I have is a naturally sound investment.? In my sales background which includes Nordstrom's and ten yrs. in the jewelry business I've developed great sales success generally being number one at each place of employment.??I also have a passion for the craft of Acting which also brings additional income from commercials.?
? ?I thank you for your time and your consideration of funding my loan.?
?????????????????????????????????????????????????????????...Sincerely,?Successfully Self Employed?. :-)?
? p.s. Next month I will complete final payment on my first Prosper.com loan which began 36 months ago.???? I have an excellent track record, and a good credit score.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471532
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Jul-1999 Debt/Income ratio: 51%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 9Length of status:11y 1m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,343Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: Yes  
Screen name: red-discrete-social 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
Pay off credit cards
Purpose of loan:
This loan will be used to? Pay off credit card high interest debt

My financial situation:
I am a good candidate for this loan because?? I have a good payment history paying my debts.? I have no late payments, and pay my bills on time.

Monthly net income: $? 1200

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 25
??Car expenses: $ 25
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 0
??Clothing, household expenses $
??Credit cards and other loans: $ 750
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471536
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $224.34
 
Auction yield range: 13.89% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1992 Debt/Income ratio: 59%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:8y 0m
Amount delinquent: $0 Total credit lines: 27 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $41,192Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: majestic-fund4 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off college 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 471542
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,600.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 20.00% Starting borrower rate/APR: 21.00% / 24.56% Starting monthly payment: $60.28
 
Auction yield range: 16.89% - 20.00% Estimated loss impact: 25.13%  
Lender servicing fee: 1.00% Estimated return: -5.13%  
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 score (1-10): 3 First credit line: Aug-1988 Debt/Income ratio: Not calculated
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:15y 2m
Amount delinquent: $0 Total credit lines: 13 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $88,886Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: kind-dime-futurist 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
Marketing capitol
Purpose of loan:? Marketing capitol for home based business
This loan will be used to?

My financial situation: I am a low credit risk because I always honor my debts and pay on time or early.
I am a good candidate for this loan because?

Monthly net income: $ 3,400

Monthly expenses: $ 1,000
??Housing: $ 975
??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 471546
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $253.07
 
Auction yield range: 16.89% - 17.00% Estimated loss impact: 19.24%  
Lender servicing fee: 1.00% Estimated return: -2.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1998 Debt/Income ratio: 37%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 15 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,577Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: fearless-dinero7 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
Operating Capital
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because I have put together a good business plan to grow my business and pay my debts

Monthly net income: $

Monthly expenses: $
??Housing: $670
??Insurance: $120
??Car expenses: $
??Utilities: $300
??Phone, cable, internet: $75
??Food, entertainment: $300
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471564
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-1994 Debt/Income ratio: 30%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 10 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,018Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: note-quest0 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
ADD ON GARAGE
Purpose of loan:
This loan will be used to? To do additional work on my garage that is long overdue using my own skills.

My financial situation:
I am a good candidate for this loan because? I have been responsible and improved upon my credit score in the last 5-8 years.

Monthly net income: $ combined with my wife...........4500.00

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 800
??Car expenses: $
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ limited
??Clothing, household expenses $
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471566
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $112.17
 
Auction yield range: 13.89% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1999 Debt/Income ratio: 21%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 39 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,246Stated income:$25,000-$49,999
Delinquencies in last 7y: 21 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: admirable-currency9 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
Wedding Expenses...Please Help!
Purpose of loan:
My fiance and I are getting married next month.? We are paying for the event ourselves and had some unexpected expenses arise which depleted much of our savings.? He purchased the home we live in over a year ago and there is not enough in equity to borrow from.

My financial situation:
I am currently in the process of rebuilding my credit.? I have encountered some unfortunate circumstances regarding my creditworthiness but can assure that I am consistently on time with my responsibilities.? I have never bounced a check and have learned to how budget myself.? My financial commitments come first and this loan will not only give me the opportunity to help pay for this special day, but will also give me the chance to further my credit in a positive direction.

Monthly net income: $ 1,900

Monthly expenses: $
??Housing: $ 125
??Insurance: $ 60
??Car expenses: $ 300
??Utilities: $ 200
??Phone, cable, internet: $ 130
??Food, entertainment:100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 75
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471584
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-2003 Debt/Income ratio: 24%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 15 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,330Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: No  
Screen name: wise-spirited-basis Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
buying new car
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471590
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.8%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 25.79% Starting monthly payment: $37.16
 
Auction yield range: 10.89% - 19.00% Estimated loss impact: 11.25%  
Lender servicing fee: 1.00% Estimated return: 7.75%  
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 score (1-10): 7 First credit line: Nov-1996 Debt/Income ratio: 8%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 28 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,998Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: rf7949 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
Prosper Reinvestment
Purpose of loan:
This loan will be used to reinvest in the prosper community and fund loans for those that need it.

My financial situation:
I am a good candidate for this loan because I am financially secure and can easily swing the $35 or so the final monthly repayment will be.????

Monthly net income: $ 6400

Monthly expenses: $
??Housing: $ 3300
??Insurance: $?0 - Mrs rf7949 pays for it??
? Car expenses: $ 100
??Utilities: $ 0 - Mrs rf7949 pays for it
??Phone, cable, internet: $ 0 - Mrs rf7949 pays for it
??Food, entertainment: $ 200
??Clothing, household expenses $ 300
??Credit cards and other loans: $?2000
??Other expenses: $ 200

The large credit balance is due to a $20,000 balance transfer that I took out a few months back.? There are no payments due until August 2011...the majority of my credit card and other loan payment numbers are for my car loan ($690/month) and credit card (paying about $1300/month).?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471596
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $179.48
 
Auction yield range: 13.89% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-2003 Debt/Income ratio: 27%
Credit score: 660-679 (Jul-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 25 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,713Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: debt-free22 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating credit cards
Purpose of loan:
This loan will be used to pay off two high APR credit cards. Currently with these high interest rates it will take 15+ years making the minimum payments.

My financial situation:
I am a good candidate for this loan because I pay all my bills 100% on time and would do anything possible to ensure all my bills are paid. I have a great job with complete job security.

Monthly net income: $ 3,800

Monthly expenses: $ 2,400
??Housing: $ 550
??Insurance: $ 90
??Car expenses: $ 500
??Utilities: $ 150
??Phone, cable, internet: $ 60
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 600
??Other expenses: $ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471600
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Jul-1977 Debt/Income ratio: 58%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 22 / 20Length of status:7y 1m
Amount delinquent: $8,345 Total credit lines: 57 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $74,035Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: affluence-sniffer 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
get my house payement up-todate
Purpose of loan:
This loan will be used to??? get house payement in order?

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

Monthly net in 6,00.00
Monthly expenses: $
??Housing: $ 3,200.00
??Insurance: $?303.00
??Car expenses: $ 385.00 car payement
??Utilities: $ wife pays
??Phone, cable, internet: $wife pays?
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $400.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471602
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5%  
   
 
Starting lender yield: 10.15% Starting borrower rate/APR: 11.15% / 13.27% Starting monthly payment: $98.43
 
Auction yield range: 3.89% - 10.15% Estimated loss impact: 3.53%  
Lender servicing fee: 1.00% Estimated return: 6.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: May-1999 Debt/Income ratio: 22%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:10y 7m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,283Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: Yes  
Screen name: inversionistamb Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off some debts
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 471606
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.2%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 24.78% Starting monthly payment: $44.60
 
Auction yield range: 13.89% - 19.00% Estimated loss impact: 15.04%  
Lender servicing fee: 1.00% Estimated return: 3.96%  
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 score (1-10): 5 First credit line: Nov-2005 Debt/Income ratio: 53%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,037Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: discrete-marketplace Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to? pay off credit cards

My financial situation:
I am a good candidate for this loan because? I pay all my bills on time, usually over the minimum payment due. I am a nursing student in?college and trying to make ends meet to make it easier to live from month to month. It would really mean alot to me if I consolidated my two credit cards to one to pay it off and take the stress away from me.

Monthly net income: $ 1300.00
Monthly expenses: $
??Housing: $0.00???
??Insurance: $ 100.00
??Car expenses: $?75.00
??Utilities: $ 75.00
??Phone, cable, internet: $ 50.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $?1200.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471608
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Aug-1977 Debt/Income ratio: 29%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:9y 3m
Amount delinquent: $0 Total credit lines: 34 Occupation: Social Worker
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,711Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: competent-bonus9 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
Family fan exhaust system repair
I plan to use this loan to repair the exhaust system on our family van. I am recently separated from my husband and I am adjusting to one income. I have been employed with the court for 9 years and receive a bi-weekly income of $1112.00. I also receive an additional $125 weekly in child support. My monthly rent and utilities are $900.00. Our van is paid in full and we are attempting to keep it in good running condition.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471610
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,350.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $242.01
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Sep-1998 Debt/Income ratio: 27%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:9y 10m
Amount delinquent: $0 Total credit lines: 31 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,819Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: busyhsaandmom Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 97% ) 660-679 (Latest)
Principal borrowed: $4,500.00< 31 days late: 1 ( 3% )  
720-739 (Jul-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Hospitalization Pay Off
Purpose of loan:
This loan will be used to pay off medical bills from emergency surgery that my husband had earlier this year.

My financial situation:
I am a good candidate for this loan because I pay ALL my bills and since my last loan, I have had 2 promotions. Also I ran my credit prior to this listing (creditreport.com) and my score is now 746, which is higher than July 2007.

Monthly net income: $ 4200 - mine? 7000 - combined (husband and I)

Monthly expenses: $
??Housing: $?657
??Insurance: $ 200
??Car expenses: $1200
??Utilities: $?300
??Phone, cable, internet: $ 200?
??Food, entertainment: $ 200-300
??Clothing, household expenses $ 100-200 average?
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471612
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Mar-1992 Debt/Income ratio: 44%
Credit score: 600-619 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:8y 3m
Amount delinquent: $0 Total credit lines: 23 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,670Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: dibbida 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: 36 ( 95% ) 600-619 (Latest)
Principal borrowed: $13,500.00< 31 days late: 2 ( 5% )  
680-699 (May-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 38  
Description
Paying off bills
Purpose of loan:
This loan will be used to? Pay off small credit card bills, some utilities, childrens dental pans.

My financial situation:
I am a good candidate for this loan because? I work full time as does my husband..I am loyal to my job, work diligently and hard to make things comfortable for my family, I have had a loan from Prosper before and always had my bill paid on time.

Monthly net income: $ 2,000(myself)- $2,800 (husband)

Monthly expenses: $
??Housing: $ 1000.00
??Insurance: $ 150.00
??Car expenses: $ 275.00
??Utilities: $ 350.00
??Phone, cable, internet: $ 120.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ rarely
??Credit cards and other loans: $ 600.00
??Other expenses: $ rarely
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471614
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $123.28
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-2008 Debt/Income ratio: Not calculated
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $202Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: No  
Screen name: a-thrilling-benefit 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 for school
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 471630
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $80.32
 
Auction yield range: 10.89% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Apr-1978 Debt/Income ratio: 39%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:10y 11m
Amount delinquent: $0 Total credit lines: 12Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,159 
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: Yes  
Screen name: finance-shaker5 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 780-799 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
780-799 (Dec-2009)
 
Principal balance: $3,504.35 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
helpingsonwithcollagebookcosts
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 471632
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 19.35% Starting borrower rate/APR: 20.35% / 23.75% Starting monthly payment: $93.36
 
Auction yield range: 13.89% - 19.35% Estimated loss impact: 15.06%  
Lender servicing fee: 1.00% Estimated return: 4.29%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1992 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,871Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: headbackonshoulders 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 last bad debt
Purpose of loan:
This loan will be used to pay off a very bad mistake that I made when I had a financial emergency - a payday loan (well, auto title loan).? I am currently paying over $200 a month, with very little of it going towards the principal.? Being able to pay this off will save me a lot of money so that I can more quickly start over my financial life and start saving again.

My financial situation:
I am a good candidate for this loan because despite my not so great credit score, I am responsible and do care about my financial future, credit score, and general upstanding as a good citizen.

The reason my credit score is no longer good is because I've been settling credit card debts for the past 2 years. After much research and soul-searching, I decided the best thing to do was go into default?so that I could?settle with each credit card I had (credit card companies won't speak to you about settlements if you stay current on their monthly bills).?

This meant I had to access my savings in order to pay off large sums at once. However, it was the best thing to do since I would have been paying out much more for years to come.?

I made a lot of mistakes in my?20's?which didn't catch up with me until the past couple of years (now in early 30's).? I have made?extreme lifestyle changes and no longer live beyond my means.?

I have learned a very hard lesson and want to get on with my life, this is the last remnant of my poor decision making.? I am tired of throwing money out the window every month, but unfortunately, since I am in the process of building a business which has its up and?downs,?I am not in a position at this time to pay it off at once.

I am current on all of my bills. (*Also, I am not sure why Prosper's credit info reflects 8 delinquenices when it was 3 credit cards.? Those 3 cards are the only delinquencies I've ever had. I will be checking?into this discrepancy; it's absolutely incorrect. It's 3).

I defaulted on my credit cards because that?was the only way to settle with them. That is why my credit score is temporarily not so great. It was stellar (over 720)?before this :-).

I understand how making a loan to someone with less than stellar credit, would appear worrisome to somebody who doesn't know me. I did my best to convey my situation honestly and hope that comes through. Thank you for your time and consideration.

Monthly net income: $ 2400-2800

Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 110
??Car expenses: $ paid off in full
??Utilities: $ varies
??Phone, cable, internet: $ 150
??Food, entertainment: $ limited
??Clothing, household expenses $ no new clothes, household limited
??Credit cards and other loans: $ 100?
??Other expenses: $ varies
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471634
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 12.24% Starting borrower rate/APR: 13.24% / 15.39% Starting monthly payment: $507.15
 
Auction yield range: 5.89% - 12.24% Estimated loss impact: 6.15%  
Lender servicing fee: 1.00% Estimated return: 6.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1988 Debt/Income ratio: 16%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 8Length of status:1y 3m
Amount delinquent: $344 Total credit lines: 41 Occupation: Pharmacist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,923Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 63%  
   Homeownership: Yes  
Screen name: money-pudding Borrower's state: NewMexico Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Payin off credit cards
Purpose of loan:
This loan will be used to? consolidate my credit card payments

My financial situation:
I am a good candidate for this loan because? I ALWAYS pay my bills on time.? The delinquency reported on my credit report was from a contractor who did not complete their project for my now ex-husband.

Monthly net income: $ 9707.00

Monthly expenses: $ 1885.86 for Mortgage
Cable/internet/phone and utilities approx. $500.00
food/entertainment approx. $800.00
??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 471638
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 27.48% Starting monthly payment: $215.78
 
Auction yield range: 10.89% - 23.00% Estimated loss impact: 10.36%  
Lender servicing fee: 1.00% Estimated return: 12.64%  
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 score (1-10): 8 First credit line: Oct-2000 Debt/Income ratio: 13%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 24 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,713Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: Proverbs-31-10 Borrower's state: Hawaii Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 680-699 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
660-679 (Oct-2009)
600-619 (Aug-2007)
 
Principal balance: $3,270.04 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
A Win / WIn
I am a college graduate with a degree in Political Science and Business Management. (I graduated High School and College with honors) I am currently in my 2nd year of Graduate School for a Master?s in Finance. I have two jobs; I am employed at the #1 Bank in the US (according to Forbes - 2009) and I also have a part time job at Aldo for supplemental income. I do not own a car and I take the bus everywhere, which keeps my expenses low.

The purpose of this loan is to consolidate 4 credit cards into one payment. Once this consolidation is complete, my only monthly expenses will be my rent, my cell phone, my school loan, and this loan.

I currently have one other Prosper loan which was to consolidate my school loans and as you can see, I have never missed a payment. Since I work two jobs and I am a very diligent student, I am certain that I will be able to pay back this loan earlier than expected.

Additionally, I would like to confidently add that I LOVE God with all my heart. Whether or not YOU believe in God, I think that this is very important information to consider because it is the greatest evidence of my character -beyond the numerical value that is my ?credit score?. As a borrower, I know that I am a temporary guardian of something important and valuable that belongs to you. Because of the principles that I believe in, it is a priority to be accountable and responsible in returning what is yours.

As a lender, you will be providing a huge blessing to me. Please rest assured?that with these funds, I will have the freedom, the?means, and?the opportunity, to do great things. Thank you for believing in me.
______________________________________

UPDATED - I have decided to raise the interest rate on this loan because I was informed that I am able to obtain?this same?loan from a major banking institution but I would rather pay this high interest rate to you?(my peers).? In this way, we will share the blessing.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471640
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $89.74
 
Auction yield range: 13.89% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1987 Debt/Income ratio: 8%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 10Length of status:10y 9m
Amount delinquent: $352 Total credit lines: 24 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,101Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: p2p-galaxy5 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
VACATION
Purpose of loan:
This loan will be used to? HOME IMPROVEMENT

My financial situation:
I am a good candidate for this loan because?
I APPRECIATE THE OPPORTUNITY OF THE LON
Monthly net income: $
2800.00
Monthly expenses: $
??Housing: $?????750.00
??Insurance: $ 215.00
??????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 471644
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,850.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $83.01
 
Auction yield range: 13.89% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Dec-2003 Debt/Income ratio: 17%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 6 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,934Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: bold-wampum-farm 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
Time to pay down the plastic debt
I got myself into a credit card rut helping to finance college and I have been unable to pay down the debt since.? I recently transferred to a higher-paying job in the same field and will use this loan to bolster my credit score back to the high 700s.? Any help you can provide is greatly appreciated. Any questions, feel free to ask.


Purpose of loan:
This loan will be used to pay down my credit card debt.

My financial situation:
I am a good candidate for this loan because I have secure employment with a great history of paying all my bills on time. I?need this?loan to get ahead and lock in a set payment instead of a variable rate credit card bill.

Monthly net income: $ 3000

Monthly expenses: $ 2517
??Housing: $ 800
??Insurance: $ 72
??Car Payment: $?300
??Utilities: $ ~100
??Phone, cable, internet: $?85
??Food, entertainment: $ 210
??Clothing, household expenses $ 50
??Credit cards and other loans: $ ~800 (will?only be 2/3 this amount?if?this loan is received)
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471658
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.7%  
   
 
Starting lender yield: 7.89% Starting borrower rate/APR: 8.89% / 12.06% Starting monthly payment: $476.23
 
Auction yield range: 7.89% - 7.89% Estimated loss impact: 8.85%  
Lender servicing fee: 1.00% Estimated return: -0.96%  
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 score (1-10): 7 First credit line: Nov-1996 Debt/Income ratio: 31%
Credit score: 820-839 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 16 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,580Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: Yes  
Screen name: brightest-dollar-vault 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
Baby on the way consolidation
My husband and I are consolidating debt to prepare for our new arrival.? We have a household income of over 100K and both have a great credit history.? Part of this loan will be used to pay off an existing loan that we are paying $472/month on and the additional portion will pay off our credit cards.??Essentially we will not be skipping a beat in terms of our monthly payment for the loan.? Please let me know if you have any questions.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471660
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Oct-2002 Debt/Income ratio: 45%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 31 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,623Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: blue_eyes567 Borrower's state: Montana Borrower's group: We the People
Credit and homeownership information was obtained 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: 35 ( 100% ) 680-699 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
660-679 (Oct-2007)
700-719 (Nov-2006)
 
Principal balance: $509.01 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Attorney costs to keep my child
Purpose of loan:
This loan will be used to pay for costs of attorney in child custody case and help move from MT to PA.

My financial situation:
I am a good candidate for this loan because our house is currently under contract to be sold in Sept. but to keep the custody case going, my attorney needs more money now. Once the closing is done on our home, this loan will be paid off. We figure this will look better on my credit rather than opening another credit card, which I can do, but would? prefer to have a personal loan showing rather than more cards. This will be a very short term loan and will be paid off within 3 months at most as we just have to wait for all the paperwork to go through on home sale and funds wired to our bank account.

Monthly net income: $ 6000

Monthly expenses: $ 2950
??Housing: $ 1250
??Insurance: $ 30
??Car expenses: $ 720
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471664
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 16.89% Starting borrower rate/APR: 17.89% / 21.24% Starting monthly payment: $126.34
 
Auction yield range: 16.89% - 16.89% Estimated loss impact: 19.23%  
Lender servicing fee: 1.00% Estimated return: -2.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1999 Debt/Income ratio: 17%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 21 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,944Stated income:$50,000-$74,999
Delinquencies in last 7y: 16 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: openness-sprout Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating debt
Purpose of loan: Consolidate credit cards.

This listing is to consolidate debt accumulated during periods of unemployment over the last few years. I now have a stable and well paying job but am saddled with high interest credit. Over the last two years I have adopted frugal cash management practices and reconciled all delinquencies. I am looking to you to help me take the last steps towards financial freedom.

Thank you for your time and consideration!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471684
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 33.56% Starting monthly payment: $41.09
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-1995 Debt/Income ratio: 13%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:7y 1m
Amount delinquent: $0 Total credit lines: 21 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,183Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: astute-auction8 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my Credit Cards
Purpose of loan:
This loan will be used to pay off some debt I owe before I go back to work this September

My financial situation:
I am a good candidate for this loan because I make it a point to pay everything on time and

Monthly net income: $ about 4000

Monthly expenses: $
??Housing: $ 872 ????
??Insurance: $ 120
??Car expenses: $ 270
??Utilities: $ 120
??Phone, cable, internet: $ 300
??Food, entertainment: $ 300
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471694
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.7%  
   
 
Starting lender yield: 9.99% Starting borrower rate/APR: 10.99% / 14.20% Starting monthly payment: $310.97
 
Auction yield range: 7.89% - 9.99% Estimated loss impact: 8.91%  
Lender servicing fee: 1.00% Estimated return: 1.08%  
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 score (1-10): 6 First credit line: Nov-1995 Debt/Income ratio: 19%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:10y 0m
Amount delinquent: $0 Total credit lines: 43 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,162Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: Yes  
Screen name: point-investor2 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 bills and fixing house
Purpose of loan:
This loan will be used to?pay off bill and fix up newborns room?

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.