Listing Report:Supplement No. 33 dated Sep 01, 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 417326
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.00% Starting borrower rate/APR: 17.00% / 20.33% Starting monthly payment: $267.40
 
Auction yield range: 13.89% - 16.00% Estimated loss impact: 14.90%  
Lender servicing fee: 1.00% Estimated return: 1.10%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2004 Debt/Income ratio: Not calculated
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 18 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,014Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: positivethnker Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for RN (nursing) school
Purpose of loan: This loan will be used to help me pay for nursing school. I am currently an LPN and am furthering my education and will soon be an RN.? I don't qualify for much?financial aid, but I still need a little extra to help me finish the nursing program.

My financial situation: I am a good candidate for this loan because I make decent money as an LPN and will soon be making great money as an RN. I will be able to pay back the loan with no problems. I have never defaulted on any loan or credit cards. I value my credit score and would never let it get ruined.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469012
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.89% Starting borrower rate/APR: 14.89% / 18.18% Starting monthly payment: $173.06
 
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: Jul-2002 Debt/Income ratio: 13%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 6Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 41 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,158Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: No  
Screen name: CharliesHobbies 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
Trying to Catch a Break from Credit
Purpose of loan:
This loan will be used to start paying off the 2 major credit cards I have with Bank of America and US Bank.? The balance between them is almost $15,000.? These charges came from my wife losing her job for 6 monthes.? I had to pay all of our rent, daughter's daycare because wife was looking for work, and I had purchased a second car with a cash advance.? We lived in Phoenix Arizona with no help from anyone.? I am trying to get out from under these cards but as hard as I try I just can not get a break.? We were in the process of buying a house and my credit score was 740 and because we were not approved in the last week before close my credit took a hit of almost 100 points.? I see a lot of people on here get very big loans for as little as 7%.? I have had credit for 8 years since I was 16 and I have never missed a payment hense why I had a score of 740.? My credit card interest rates are 13% and I would like to catch a break here and get that percent much lower so I can start to move forward with my family.? Please help me.
My financial situation:
I have worked for Home Depot for 2 1/2 years and do not plan on going anywhere.? I take home $800 every 2 weeks.? My wife is bringing home the same amount.? We make enough to make the minimums on our credit cards because of the interest charged every month.? My cards alone are $140 in interest.

Monthly net income: $ 3200

Monthly expenses: $
??Housing: $?1300
??Insurance: $ 100
??Car expenses: $ High the 2nd car just broke a timing belt and bent a valve in the head.
??Utilities: $ 200
??Phone, cable, internet: $ 35
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $ Daycare 1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473368
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,300.00 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: $250.49
 
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): 2 First credit line: Jul-1990 Debt/Income ratio: 9%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 2 / 2Length of status:7y 11m
Amount delinquent: $135 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $943Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: hstrygeek 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: 27 ( 71% ) 640-659 (Latest)
Principal borrowed: $4,800.00< 31 days late: 11 ( 29% )  
620-639 (May-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 38  
Description
Repaid First Loan, Need Second
Purpose of loan:? I am a proven Prosper borrower who needs a new loan to consolidate some debt incurred while replacing a furnace in our home.? We bought a home in December and as luck would have it, two months later it needed a new furnace.? We had improved our credit to get a great deal on the home, but have not been in it long enough to borrow against the equity that we have (bank says we need to be in the home a year).??The one account listed as delinquent will be cleared up with this loan (we had to pay for?the furnace and?some car repairs, which cost us to get behind on one account).?

My financial situation:? Things are great for our family right now.? Our credit score continues to rise, as indicated above, and I have been at my current job for 8 years. I have only switched jobs once in the past 12 years and currently qualify for a bonus again at the end of this year.?? Unfortunately, I can't wait until then to pay off this debt.???

Monthly net income: $? 4000?

Monthly expenses: $ 3200
??Housing: $ 1400 mortgage payment
??Insurance: $ 150?
??Car expenses: $ 150 (own cars- no payments!!!)
??Utilities: $ 350
??Phone, cable, internet: $ 150
??Food, entertainment: $ 550
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 300?

We have 4 kids, so?there are usually things like school lunches, sports fees and other misc stuff- but I have enough of a buffer to still aford this loan.??I am hoping that having previously paid off a Prosper loan shows that I am committed to finishing what I start.?

Thanks!

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473590
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
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: 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-1999 Debt/Income ratio: 24%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:20y 0m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,464Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 100%  
   Homeownership: Yes  
Screen name: spiritual-interest2 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
HR= High Return/No Risk Relist
Purpose of loan:
This loan will be used?pay off a Medical Bill co-pay I ?have because my new health/dental insurance requires a $1800 co-pay. My husband had a liver transplant last year and needs to have his teeth worked on. He is doing great now and I want to keep it that way! In over 25 years of credit I have never had a charge off or default. I pay my debts fully.

My financial situation:
I am a good candidate for this loan because through hard work and dilegence I have done the following this past year:? 1. Increased my credit score over 80 points? 2. Paid off my car loan which I now own free and clear? 3. Refinanced my mortgage from 9.5% to 5% fixed rate.I have never defaulted on any loan or credit card . I believe we all need to be very responsible when dealing with each other!

Monthly net income: $ 2800

Monthly expenses: $ 1925
??Housing: $ 700
??Insurance: $?100
??Car expenses: $ 100 gas & upkeep
??Utilities: $ 250
??Phone, cable, internet: $ 125
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 350.

This gives me the ability to pay off my Prosper Loan of $68 dollars a month without any difficulty.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473742
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $115.69
 
Auction yield range: 16.89% - 17.00% Estimated loss impact: 24.94%  
Lender servicing fee: 1.00% Estimated return: -7.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Nov-1995 Debt/Income ratio: 59%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 4 / 2Length of status:17y 11m
Amount delinquent: $1,338 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,783Stated income:$1-$24,999
Delinquencies in last 7y: 2 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: R-IMAGES 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 / 1 On-time: 29 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,700.00< 31 days late: 0 ( 0% )  
680-699 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
Believe in me AGAIN! 2nd prosper
Purpose of loan:
This loan will be used to pay off a high interest credit card (32%)?used for camera equipment and advertising.

My financial situation:
I am a good candidate for this loan because I was successful in paying off my?1st prosper loan ahead of schedule!?
I am dedicated to the success of my photography business and am proud to say that I have many repeat clients and have many jobs booked for the coming year.? When things are slow I continue to work by helping my friend with her house painting business and by?assisting other photographers.
Like so many other small businesses, my credit?rating has tanked because of the credit card companies slashing my available lines of credit and hiking up interest rates by switching the due dates making my payments late.??
I?appreciate your bid and plan to pay this loan off ahead of schedule also.
Thanks so much!?

Monthly net income: $ 1,100

Monthly expenses: $
??Housing: $ 0 - my partner pays the mortgage and I pay?other bills
??Insurance: $ 60
??Car expenses: $ 0 - my car is payed off?
??Utilities: $ 120
??Phone, cable, internet: $ 110
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473798
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.35% / 38.06% Starting monthly payment: $336.52
 
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: Nov-1990 Debt/Income ratio: 29%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 22 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,490Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 69%  
   Homeownership: Yes  
Screen name: Catz_aplenty Borrower's state: Illinois Borrower's group: LendersClub
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
700-719 (Nov-2009)
 
Principal balance: $1,185.95 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Pay-off COMPLETED Rental Rehab
Purpose of loan:
Recently completed majority of work on large two-story, (3) unit property I purchased in June ?09, located across the street from my residence. To complete the project, I made multiple purchases from LOWES and MENARDS - most of which were made using their respective NO INTEREST plans. Several of the plans are coming due in the near future. This loan will allow me to zero out BOTH of these accounts (which will prevent the deferred interest from being charged, as well as the resultant 22-24% interest rates which would result), as well as pay off two additional smaller accounts.

For obvious reasons, your assistance would be very much appreciated! Thank you!

One of the two smaller accounts to be paid off is (also) a deferred interest account from Dell. I used it to purchase two laptop computers for friends to enable each to take on-line classes; more readily look for employment, and maintain contact with family. Given the condition of the economy, and the situations that they were in, I felt both could benefit from a helping hand.

My financial situation:
This will be my second loan with Prosper. I am on the automated payment plan with the 1st loan, but often make a larger-than-required payment well before the due date. I will also be on the automated payment plan for this loan. I am very conscientious about my responsibilities and believe in paying ALL debts. (I?m mostly at a loss as to why I?ve gone from an ?A? to an ?E? when very little has changed since my prior listing.)

I am also an on-going investor with Prosper. To date, I have supported ~50 loans with a total value of over $1300. As a fellow lender, I am hopeful that this loan will receive full-funding with an interest rate in the 10-12% range. Again, my many thanks!

Monthly net income: $2400. (from my job as a driver. My (4) rental properties are essentially self-sustaining.)

Monthly expenses: $ 2050.
Housing: $ 530 (includes escrow for taxes/insurance)
Insurance: $ 44 (term life)
Car expenses: $ 100 (paid for, insurance, minimal driving)
Utilities: $ 250
Phone, cable, internet: $ 80
Food, entertainment: $ 300
Clothing, household expenses $ 100
Credit cards and other loans: $ 600
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473834
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1994 Debt/Income ratio: 31%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 10Length of status:13y 4m
Amount delinquent: $0 Total credit lines: 45 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,937Stated income:$50,000-$74,999
Delinquencies in last 7y: 20 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: abundant-return9 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
Paying off debt
Purpose of loan:
This loan will be used to? payoff debt including capital one, chase bank (cc), Juniper, republic finance, and brookwood loans.

My financial situation:
I am a good candidate for this loan because? I have stable employment and on the way back to building a good credit file.? Bankruptcy ('04)?result of divorce.? Credit file is clean since then.? Disposable income good.

Monthly net income: $ 4,733

Monthly expenses: $ 2.575
??Housing: $?683
??Insurance: $ 94
??Car expenses: $ 862?
??Utilities: $ 250
??Phone, cable, internet: $ 33
??Food, entertainment: $ 250
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 328
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473838
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-2000 Debt/Income ratio: 51%
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 both have stable jobs, and we have created a strict budget, and we would really like some help with really, starting over.? My wife needs her greencard renewal done by november and that's 300, 300 that we cannot come up with just like that.? Also we would like to consolidate some of our bills (such as medical, home repair) that we didn't include in the bankruptcy filing.? I think we're a good candidate because?we have learned our lesson the hard way and you know that we CANNOT file for another bankruptcy so you know you'll get paid.? Please help us.
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 473858
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 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: 56 ( 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: $4,377.65 31+ days late: 0 ( 0% )
Total payments billed: 60  
Description
Medical needs with rest
Purpose of loan:
My wife has had several minor strokes. We have some rehabilitain? scheduled for her.We also ?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 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. I believe I am a good risk. If you have any questions please ask. I will get back to you right away.

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 473864
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
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: 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: Dec-1991 Debt/Income ratio: 241%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 39 Occupation: Administrative Assi...
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $6,016Stated income:$25,000-$49,999
Delinquencies in last 7y: 14 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: big10red 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
Helping a family member
Purpose of loan: Family help
My financial situation: Good
Monthly net income: $ 3850

My daughter needs help and I am unable to get credit at this time. I have tried very hard in the last year to?get my credit back on track and I have cleaned up my bad credit as far as paying off bad debt. Unfortunately, no one will give me credit at this time because of the past. I?had a great credit 2 years ago, but I had alot of credit card debt and I now have learned my lesson. Please consider helping me and thank you.

Under public records, a loan was going to be put thru a judgement,?$9600.00 but I satisfied this January 2010. I can supply documentation showing that this is paid, but it will stay on my credit report for 7 years. My take home pay is $1413.00 every other week and my job is totally secure. Thank you.

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 160.00
??Phone, cable, internet: $ 60.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $?50.00
??Credit cards and other loans: $?0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473874
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.00% Starting borrower rate/APR: 21.00% / 24.41% Starting monthly payment: $188.38
 
Auction yield range: 16.89% - 20.00% Estimated loss impact: 19.43%  
Lender servicing fee: 1.00% Estimated return: 0.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1999 Debt/Income ratio: 21%
Credit score: 620-639 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:6y 0m
Amount delinquent: $0 Total credit lines: 16 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,968Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: GREENBIZ Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,400.00< 31 days late: 0 ( 0% )  
560-579 (Jun-2006)
580-599 (May-2006)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Seeking second loan from prosper
Purpose of loan:
This loan will be used to? consolidate credit cards with 29% interest

My financial situation: I am a good candidate for this loan because I paid my last loan to prosper off after 36 months without a hitch. I have a perfect payment record for every single account I have. My credit score is being affected by Bank of America due to an error and should be 100+ points higher. I have never missed a payment on any account in over 10 years.My goal is a 750 credit score within two years and zero debt
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473886
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 7 First credit line: Oct-1985 Debt/Income ratio: 15%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 1 Current / open credit lines: 2 / 2Length of status:8y 5m
Amount delinquent: $74 Total credit lines: 27Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0 
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: framework057 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
Closing costs on Fla real estate
Purpose of loan:
This loan will be used to help pay closing costs on home purchase in Fla on Sept 10 so time is of the essence now.

My financial situation: Bank of America.I am a good candidate for this loan because I am a retired AT&T employer with 33yrs, already own property in Fla which I'm in the process of selling now. Also own 3 acres and home in Suwanee Ga, paid for. Am buying 80k second home and 1.3 acre property for 39,9k near Rainbow Springs Fla I have 38,500 in bank now. Good loan risk, stable, married 43 yrs, same wife. Social Security benefit to begin in October, have approval letter on file. Appreciate any consideration. The delinquent amount of $74 dollars is bogus, I have disputed this with credit bureaus. Thanks.

Monthly net income: $ 2624 SS-1615 401k-1009

Monthly expenses: $ 1309
??Housing: $0
??Insurance: $150
??Car expenses: $100
??Utilities: $200
??Phone, cable, internet: $100
??Food, entertainment: $400
??Clothing, household expenses $100
??Credit cards and other loans: $159
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473890
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
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: 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-1993 Debt/Income ratio: 6%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 2Employment status:Other
Now delinquent: 2 Current / open credit lines: 0 / 0Length of status:7y 6m
Amount delinquent: $435 Total credit lines: 9Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0 
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: transparency-grid4 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
Short on next month's utilities
Purpose of loan:
This loan will be used to? Pay next month's utilities, food, gas for car and will be caught up providing I get a loan.

My financial situation:
I am a good candidate for this loan because? I have no mortgage credit card, or car payments. I always pay my bills on time and had an excellent credit rating until my late husband ruined the rating. I am in the process of busting up the trust I created and this has put me in a financial bind. I hope to receive my money and farm back from a control freak trustee!? The trust pays the insurance on the home and the up keep of the home.

Monthly net income: $ 1500
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 80
??Utilities: $ 250
??Phone, cable, internet: $ 128
??Food, entertainment: $ 80
??Clothing, household expenses $50
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473904
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1995 Debt/Income ratio: 16%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 33 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,938Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: Yes  
Screen name: orderly-return9 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
Debt free at last ; )
Hi,

I'd like to keep this simple.

I'm a professional, single-dad in the midwest, that over the course of getting my son through high school, and remodeling our modest home a bit, has accumulated a bit of debt I'd like to see vanish ; ) I'm not a habitual spender, nor do I splurge on frivolous items, but I'm learning to live with less in my life and I rather like it... so the idea of being totally debt free is rather appealing.

As you can see by my payment record, I make them and I'm never late. I would just like to get a better rate to pay down these credit cards for once and for all, and enjoy the feeling of finally cutting them up.

thank you for your interest,

Me
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473906
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 4 First credit line: Aug-1975 Debt/Income ratio: 3%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 2 / 2Length of status:3y 4m
Amount delinquent: $1,174 Total credit lines: 9 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $235Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: sublime-openness6 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
repairs to truck
Purpose of loan:
This loan will be used to? pay for repairs to my Mack truck.? I am an owner/operator for a well-established company and work every day.? I use my own truck to pull my employer's trailers.? I am a reliable employee and do not take time off.? My employer values me as a representative of his company and I place great value on my job.? My truck is my work vehicle and must be in great condition for the work that I do.? These repairs are essential.

My financial situation:
I am a good candidate for this loan because? I have owned my own home for 35 years, pay my bills and work steadily.? Although I do not have the lump sum available for the repairs needed, I do have a steady source of income and will be able to repay the loan.

Monthly net income: $8000.00

Monthly expenses: $
??Housing: $?2514,00 (includes property taxes and?insurance)
??Insurance: $1069.82 (includes medical coverage and truck/auto insurance)?
??Car expenses: $ 80.00
??Utilities: $250.00
??Phone, cable, internet: $676.26
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 125.00
??Credit cards and other loans: $ 350.00
??Other expenses: $ 600.00 (tolls for Mack truck when working)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473908
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $180.71
 
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: Oct-1978 Debt/Income ratio: 30%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 23 / 21Length of status:12y 1m
Amount delinquent: $0 Total credit lines: 68 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,997Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 42%  
   Homeownership: No  
Screen name: IoweIowe Borrower's state: Georgia Borrower's group: Not Active
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 4 On-time: 57 ( 100% ) 680-699 (Latest)
Principal borrowed: $17,050.00< 31 days late: 0 ( 0% )  
660-679 (Oct-2009)
700-719 (Sep-2008)
700-719 (Oct-2007)
640-659 (Jun-2007)
 
Principal balance: $1,403.62 31+ days late: 0 ( 0% )
Total payments billed: 57  
Description
pay off 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 473912
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 17 / 15Length of status:7y 8m
Amount delinquent: $454 Total credit lines: 39 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $145,262Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: transparency-star Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Equipment
Purpose of loan:
This loan will be used to purchase equipment

My financial situation:
I am a good candidate for this loan because of my income and excellent payment history?

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 473914
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.00% Starting borrower rate/APR: 21.00% / 24.41% Starting monthly payment: $282.56
 
Auction yield range: 16.89% - 20.00% Estimated loss impact: 37.73%  
Lender servicing fee: 1.00% Estimated return: -17.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Nov-1985 Debt/Income ratio: Not calculated
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 3Employment status:Other
Now delinquent: 1 Current / open credit lines: 4 / 5Length of status:1y 1m
Amount delinquent: $18,691 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $1,845Stated income:$75,000-$99,999
Delinquencies in last 7y: 21 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: creative-reward1 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
Building a strong business
Purpose of loan:
This loan will be used to?build a business that we are positive will be a success. I have test marketed the products I intend to carry through an internet based site and through an Ebay Professional Store. We want to take the business to the next level and to do this we need funding for inventory.? Musicians would rather buy equipment than?groceries and we are providing them with? products that are affordable, well made and backed by excellent customer service.? After 23 yrs. with the #1 Overnight transportation company and managing up to 500 employees at one time I have the qualifications to build a successful, viable business. The suppliers are lined up, the customers are waiting for the products and I have?the energy, knowledge and integrity to make this a great company.??

My financial situation:
I am a good candidate for this loan because?I am capable of?taking a small internet based?test market?and growing it into a major contender in the?music/guitar product industry.? My current financial situation is for one reason only.? A little over a year ago I took advantage of the Mortgage Modification program not realizing at that time that it would destroy 20+ yrs of excellent credit.? It slightly lowered my monthly mortgage payments but?obliterated years of hard work to maintain a high credit score. For the past 6 months I have made every mortgage payment as requested and on time.? The deliquency amount is from the period of time during the modification process.? When I left my job a little over 3 yrs. ago?I had no idea that the entire economy would collapse and that I would lose the majority of my investments.? This small business that I am creating?will?allow me to use the skills I learned and practiced in the corporate world and build it into a strong viable means of income. I just need the right person or company to believe in me and the small American businessperson.? The market is there.? All that is needed is the funding.?

Monthly net income: $7200

Monthly expenses: $
??Housing: $2300
??Insurance: $1100
??Car expenses: $60?
??Utilities: $300
??Phone, cable, internet: $140
??Food, entertainment: $500
??Clothing, household expenses $200
??Credit cards and other loans: $750?
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473918
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1993 Debt/Income ratio: 38%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 28 Occupation: Teacher
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $6,254Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 69%  
   Homeownership: Yes  
Screen name: return-crescent926 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for home improvement
Purpose of loan:
This loan will be used to? home improvement
My financial situation:
I am a good candidate for this loan because? I have a stable position in my company
Monthly net income: $ 4000.00

Monthly expenses: $ Monthly expenses are shared between me and my spouse
??Housing: $ 1500
??Insurance: $ 1200
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 100
Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 1000
??Other expenses: $
I would like to take this opportunity to explain that I would like this loan to get a home improvement due to a damage occurance and other repairs as well.? I dont want to use credit cards as you may already know there are high interest on credit cards therefore I am deciding to obtain this loan.? I am a special educator that provides langusge therapy for children I have been a teacher for 10 years and have been with my current employer for 2 years.? I am a mom of 2 children so I certainly need to keep the house safe for my little ones.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473922
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 6Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 3 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,975Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: investment-cheetah1 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
to buy laptops and resell
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 473926
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 31.00% Starting borrower rate/APR: 32.00% / 35.65% Starting monthly payment: $95.82
 
Auction yield range: 16.89% - 31.00% Estimated loss impact: 25.82%  
Lender servicing fee: 1.00% Estimated return: 5.18%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Dec-1994 Debt/Income ratio: 14%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:16y 1m
Amount delinquent: $0 Total credit lines: 25 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 17 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: RightDirection 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: 0 / 2 On-time: 18 ( 55% ) 640-659 (Latest)
Principal borrowed: $10,000.00< 31 days late: 9 ( 27% )  
640-659 (Jun-2010)
640-659 (May-2010)
600-619 (Jun-2008)
600-619 (Feb-2008)
 
Principal balance: $20.10 31+ days late: 6 ( 18% )
Total payments billed: 33  
Description
My personal loan
Purpose of loan:

This loan will be used to fund the movement of our household goods due to a move for a new job.???

My financial situation:
I am a good candidate for this loan because: 1) I have two prior successful Prosper loans paid in full, 2) I make over $100k/year salary with no credit card debt and 3) the monthly payments on this potential loan would be less than $100 and no problem at all to pay.? I recently returned from having worked in Iraq, which afforded me the ability to pay off around $50,000 in credit card debt.? I am now in a great financial position, although I still have the bad credit due to the former debt I had.? This move to a new job will further improve my financial position. Thank you for bidding.

Monthly net income: $ 8500

Monthly expenses: $ 2415
??Housing: $ 1015
??Insurance: $ 100
??Car expenses: $ 800
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 0

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473934
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,458.00 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: $479.45
 
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): 8 First credit line: Nov-2001 Debt/Income ratio: 17%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 3Length of status:9y 4m
Amount delinquent: $0 Total credit lines: 10 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,208Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: restless-leverage0 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 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: $300
??Insurance: $0
??Car expenses: $0
??Utilities: $218
??Phone, cable, internet: $150
??Food, entertainment: $355
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473938
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 15.00% Starting borrower rate/APR: 16.00% / 19.31% Starting monthly payment: $87.89
 
Auction yield range: 10.89% - 15.00% Estimated loss impact: 10.14%  
Lender servicing fee: 1.00% Estimated return: 4.86%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-2001 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:4y 2m
Amount delinquent: $0 Total credit lines: 7 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,496Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: writery Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 58 ( 100% ) 640-659 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
680-699 (Feb-2008)
680-699 (May-2007)
680-699 (Apr-2007)
 
Principal balance: $818.17 31+ days late: 0 ( 0% )
Total payments billed: 58  
Description
All for One and One for All
Purpose of loan:
This small loan will be used to visit my parents in Europe.??I haven't seen them since 2008.? They can't afford to come to the US, so I'm going.? I'm bringing my 3-year-old daughter with me.?

My financial situation:
I am a good candidate for this loan because I have an excellent job?and?can easily make the payments on time.?I'm very frugal.? I have taken two loans with?Prosper in the past and have never missed a payment.? One is?paid off and the other?is almost paid off.??
Thank you for bidding.? You'll make a good, secure return with this loan.

Monthly net income: $ 3,850.00

Monthly expenses: $
??Housing: $ 1,050.00
??Insurance: $
??Car expenses: $
??Utilities: $?20.00
??Phone, cable, internet: $ 60.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $
??Credit cards and other loans: $ 435.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473946
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 5 First credit line: Apr-1995 Debt/Income ratio: 41%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:9y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,998Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: the-loan-captain81 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 640-659 (Latest)
Principal borrowed: $6,500.00< 31 days late: 0 ( 0% )  
660-679 (Sep-2008)
 
Principal balance: $2,388.08 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Making Things Simpler
Purpose of loan:
This loan will be used to consolidate a few small debts that I have incurred during grad school and while helping my family through a small financial crisis. Although I am able to keep up with my payments, it would allow me to save more for the future if I am able to pay a lesser amount towards debt each month. I will also be able to contribute more money?to help my aging parents.

My financial situation:
I am so greatful for PROSPER. Without the help of this institution in the past,?I would have had a much more difficult time getting through grad school. I am happy to say that I completed my program and have graduated. I am a good candidate for this loan because I currently have a loan with Prosper that I am close to paying off and I have never missed a payment or have payed late. Thank everyone in advance for their consideration.

Monthly net income: $ 3000.00

Monthly expenses: $ 2120.00
??Housing: $ 700.00
??Insurance: $?200.00
??Car expenses: $
??Utilities: $ 100.00
??Phone, cable, internet: $ 300.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 600.00
??Other expenses: $ 220.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473974
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.00% Starting borrower rate/APR: 26.00% / 29.52% Starting monthly payment: $241.74
 
Auction yield range: 16.89% - 25.00% Estimated loss impact: 19.74%  
Lender servicing fee: 1.00% Estimated return: 5.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Dec-1982 Debt/Income ratio: 31%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:10y 0m
Amount delinquent: $0 Total credit lines: 39 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $43,226Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Bankcard utilization: 71%  
   Homeownership: Yes  
Screen name: agreement-tranquility Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
640-659 (Nov-2009)
 
Principal balance: $4,012.60 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
paying off credit cards and dentist
Purpose of loan:
This loan will be used to?pay off higher interest credit cards and dentist bills?

My financial situation:
I am a good candidate for this loan because?
I always pay all of my bills and my wife also has an income of $48,000
Monthly net income: $
3,500
Monthly expenses: $
??Housing: $?500
??Insurance: $ 100
??Car expenses: $ 400
??Utilities: $?200
??Phone, cable, internet: $ 75
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 700
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473980
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $287.66
 
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: Oct-1994 Debt/Income ratio: Not calculated
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:6y 11m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,826Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: No  
Screen name: lovely-rate940 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 card
Purpose of loan:
This loan will be used to pay off credit card
My financial situation: struggling to pay off credit card
I am a good candidate for this loan because I want to improve my credit
Monthly net income: $ 1600
Monthly expenses: $ 1200
Housing: $240
Insurance: $160
Car expenses: $200
Utilities: $145
Phone, cable, internet: $95
Food, entertainment: $250
Clothing, household expenses $50
Credit cards and other loans: $260
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473986
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 22.65% Starting borrower rate/APR: 23.65% / 27.12% Starting monthly payment: $585.74
 
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: Mar-1979 Debt/Income ratio: 22%
Credit score: 780-799 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:21y 1m
Amount delinquent: $0 Total credit lines: 51 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $112,135Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: social-kung-fu 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
Help! Renovations Needed for Home
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 474028
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1984 Debt/Income ratio: 9%
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 2Length of status:1y 0m
Amount delinquent: $39,283 Total credit lines: 30 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,456Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Bankcard utilization: 17%  
   Homeownership: Yes  
Screen name: openness-bopbop-a-loobop 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
Inventory for comitted orders
Purpose of loan:
This loan will be used to buy inventory for orders to be placed by Sharper Image and Hammacher.

My financial situation:
I am a good candidate for this loan because these orders are in process.??

Monthly net income: $ $4000

Monthly expenses: $
??Housing: $ 2000 ???
??Insurance: $ 150
??Car expenses: $200
??Utilities: $ 200
??Phone, cable, internet: $ 110
??Food, entertainment: $ 300
??Clothing, household expenses $100
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457195
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1997 Debt/Income ratio: 7%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 10Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:6y 3m
Amount delinquent: $63,920 Total credit lines: 26 Occupation: Executive
Public records last 12m / 10y: 1/ 2 Revolving credit balance: $264Stated income:$100,000+
Delinquencies in last 7y: 7 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: money-rascal5 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be? to?
pay off home equity loan

My financial situation:
I am a good candidate for this loan because? i have been employ at same compnay for 13 years, have a low debt to income ratio,willing to agree to various terms of repayment?

Monthly net income: $ 10,027

Monthly expenses: $
??Housing: $?3041
??Insurance: $ 225?
??Car expenses: $428
??Utilities: $ 500
??Phone, cable, internet: $195
??Food, entertainment: $ 1000
??Clothing, household expenses $150?
?? and other loans: $ 92
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471567
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $173.53
 
Auction yield range: 16.89% - 17.00% Estimated loss impact: 37.54%  
Lender servicing fee: 1.00% Estimated return: -20.54%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Jun-1995 Debt/Income ratio: 25%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 8Length of status:13y 5m
Amount delinquent: $0 Total credit lines: 27 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,495Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: Yes  
Screen name: best-excellent-listing 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
Lovin Colorado
Purpose of loan:
This loan will be used to update some items in our home that were ok when home was built in 1979, but not now.

My financial situation:
I am a good candidate for this loan because I been with for same employer for 13 1/2 years and will have no problem paying off this loan. I want individuals to earn interest off this loan, not a bank. Plain an simple.?

Monthly net income: $4200

Monthly expenses: $
??Housing: $1959 (15 year note)
??Insurance: $50
??Car expenses: $600 (2 loans)?
??Utilities: $50
??Phone, cable, internet: $125
??Food, entertainment: $100
??Clothing, household expenses $50
??Credit cards and other loans: $200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472405
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $248.80
 
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: Jan-1991 Debt/Income ratio: 63%
Credit score: 820-839 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 36 Occupation: Waiter/Waitress
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: first-goal-auction 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 hospital fees
Purpose of loan:
This loan will be used to? Payoff hospital fees incurred that were not covered by insurance.

My financial situation:
I am a good candidate for this loan because? I have an excellent credit rating and have steady earnings.

Monthly net income: $ 1600

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $ 200
??Phone, cable, internet: $ 40
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473161
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 33.35% Starting borrower rate/APR: 34.35% / 39.57% Starting monthly payment: $53.84
 
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: Sep-1988 Debt/Income ratio: 20%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:14y 2m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $5,898Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: dinero-viking5 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Loan for an unexpect auto expense
Purpose of loan:
This loan will be used to? Some emergency repors to the car

My financial situation:
I am a good candidate for this loan because? I have a stable income that I can use to repay the loan

Monthly net income: $ 4,100

Monthly expenses: $ 3,500
??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 473739
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.00% Starting borrower rate/APR: 15.00% / 18.29% Starting monthly payment: $259.99
 
Auction yield range: 13.89% - 14.00% Estimated loss impact: 14.80%  
Lender servicing fee: 1.00% Estimated return: -0.80%  
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): 5 First credit line: Sep-1993 Debt/Income ratio: 29%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 39 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,021Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: Yes  
Screen name: equitable-value1 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
My loan for home improvement
Purpose of loan:
This loan will be used to help redo kitchen

My financial situation:
I am a good candidate for this loan because excellent history, always pay back debts, never miss payments

Monthly net income: $ 4K

Monthly expenses: $
??Housing: $ 1721
??Insurance: $ 85
??Car expenses: $ 595
??Utilities: $ 220
??Phone, cable, internet: $ 96
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 231
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473755
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,500.00 Prosper Rating: 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: $399.50
 
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: Apr-1998 Debt/Income ratio: 20%
Credit score: 820-839 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:10y 7m
Amount delinquent: $0 Total credit lines: 28 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $447Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: rlsurb 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
Landscaping and Florida Room
Purpose of loan:
This loan will be used to fix?up our boring?yard. We have a pool but nothing around it. We will fix the yard up and add a florida room. ?

My financial situation:
I am a good candidate for this loan because I pay all my bills on time and make enough to cover this loan.

Monthly net income: $ 4400?
(my wife's income is 4200)

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 150
??Car expenses: $ 150
??Utilities: $ 200
??Phone, cable, internet: $ 115
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 0
??Other expenses: $ 300 misc
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473775
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
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: 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-1995 Debt/Income ratio: 20%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,299Stated income:$1-$24,999
Delinquencies in last 7y: 3 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: nickel-pizza 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
A little help will go a long way
Purpose of loan:
This loan will be used to?help with some current expense and take care of Christmas.?

My financial situation:
I am a good candidate for this loan because? I can be counted on to pay my bills. My wife makes sure of it.

Monthly net income: $ 2000.00

Monthly expenses: $
??Housing: $ 172.00
??Insurance: $ 100.00
??Car expenses: $
??Utilities: $ 250.00
??Phone, cable, internet: $50.00?????????
??Food, entertainment: $ 100.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $ 300.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473843
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5%  
   
 
Starting lender yield: 10.15% Starting borrower rate/APR: 11.15% / 13.27% Starting monthly payment: $328.10
 
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: Oct-1990 Debt/Income ratio: 5%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 4Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 24 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $281Stated income:$75,000-$99,999
Delinquencies in last 7y: 10 Bankcard utilization: 14%  
   Homeownership: Yes  
Screen name: benjamins-reactor 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 debt.

My financial situation:
I am a good candidate for this loan because? I hold two jobs and have the ability to repay the loan in an timely manner. I also have a spouse whose income will help ensure timely repayment of funds lended.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473853
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
Starting lender yield: 16.89% Starting borrower rate/APR: 17.89% / 21.24% Starting monthly payment: $252.68
 
Auction yield range: 16.89% - 16.89% Estimated loss impact: 37.53%  
Lender servicing fee: 1.00% Estimated return: -20.64%  
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): 1 First credit line: Sep-1998 Debt/Income ratio: 33%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 4 Current / open credit lines: 9 / 7Length of status:8y 6m
Amount delinquent: $1,061 Total credit lines: 32 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,030Stated income:$25,000-$49,999
Delinquencies in last 7y: 36 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: rate-patriot0 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for home improvement
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 473859
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.75% Starting borrower rate/APR: 10.75% / 11.10% Starting monthly payment: $815.51
 
Auction yield range: 2.89% - 9.75% Estimated loss impact: 1.56%  
Lender servicing fee: 1.00% Estimated return: 8.19%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper 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 473873
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 9 First credit line: Jun-2001 Debt/Income ratio: 5%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 34 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $585Stated income:$50,000-$74,999
Delinquencies in last 7y: 21 Bankcard utilization: 68%  
   Homeownership: No  
Screen name: fund-negotiator25 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
Moving into a New Home
Purpose of loan:
This loan will be used to help buy appliances and put up a fence for the home that we just purchased.? I have to puchase a refridgerator, stove, washer, dryer, and we need to put in a fence for our 2 dogs.? Also $900 will be to pay off my 2 credit cards.

My financial situation:
I am a good candidate for this loan because I?have little debt and I will pay it?back on time and never be late.? I only have a house payment, food, utilities, and those 2 credit cards.? I have been at my?job for over 2?years now and it is in the security business that is?busier then ever with the economy?like it is.???

My story is that 3 years ago I?purchased a business with a partner and invested 50K into it and my life.? I was taken advantage of and my partner took my money and all the business money too.? Since this happened I had to file bankrupcy that was discharged 2 years ago.? Since then and even before that happened I was always good at making my payments on time and paying of my debt.? All of the deliquencies happened at the end of my partnership and the filling of bankrupcy.? I have a wife of?8 years,? a 7 year old son, and 2 dogs. ( a Golden Retriever and Toy Fox Terrier)

Monthly net income: $ 3600

Monthly expenses: $
??Housing: $ 800
??Insurance: $?200
??Car expenses: $ 0
??Utilities: $?200
??Phone, cable, internet: $?100
??Food, entertainment: $?300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100 ( will be paid off with this money also ) 2 credit cards - $900

My wife also works and brings home $1300 a month.? Thanks!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473877
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $521.08
 
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-1994 Debt/Income ratio: 18%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:20y 0m
Amount delinquent: $0 Total credit lines: 15 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $38,404Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: community-monster3 Borrower's state: Alaska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off revolving credit debt
Purpose of loan:
This loan will be used to?
pay off revolving credit debt
My financial situation:
I am a good candidate for this loan because?
I keep my credit in good standings
Monthly net income: $ 7,500

Monthly expenses: $ 3,100 Total (including mortgage)
??Housing: $
??Insurance: $
??Car expenses: $?non-applicable
??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 473893
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 22.37% Starting monthly payment: $201.61
 
Auction yield range: 16.89% - 18.00% Estimated loss impact: 19.30%  
Lender servicing fee: 1.00% Estimated return: -1.30%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1985 Debt/Income ratio: 41%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 16Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 41 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,233Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: flexible-transaction8 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: 9 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
640-659 (Oct-2009)
 
Principal balance: $2,085.66 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Paying off bills
Purpose of loan:
This loan will be used to pay off existing loan balance and additional bills.

My financial situation:
I am a good candidate for this loan because I have been on time with all my payments since my last loan and make sure to pay my other creditors on time as well.?

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473901
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 10.89% Starting borrower rate/APR: 11.89% / 15.12% Starting monthly payment: $497.43
 
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: Dec-1989 Debt/Income ratio: 21%
Credit score: 780-799 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:11y 10m
Amount delinquent: $0 Total credit lines: 37 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,307Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: organized-auction Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidattion
Purpose of loan:
This loan will be used to consolidate credit cards?
My financial situation:
I am a good candidate for this loan because my financial status is very stable and my credit has been flawless over the past few years

Monthly net income: $ 7500

Monthly expenses: $
??Housing: $ 2500
??Insurance: $ 200
??Car expenses: $?200
??Utilities: $?120.00
??Phone, cable, internet: $ 100
??Food, entertainment: $?2-300
??Clothing, household expenses $
??Credit cards and other loans: $?900
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473907
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
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: 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-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 1 / 1Length of status:8y 8m
Amount delinquent: $526 Total credit lines: 7 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $649Stated income:$1-$24,999
Delinquencies in last 7y: 4 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: unrivaled-transparency6 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
Online work at home business
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473913
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1990 Debt/Income ratio: 15%
Credit score: 820-839 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 23 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,097Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: Yes  
Screen name: flan264 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
Engagement Ring / Wedding Expenses
Purpose of loan:
This loan will be used to purchase an engagement ring for my girlfriend of 6 years and pay for certain other wedding-related expenses.?

My financial situation:
I am a good candidate for this loan because I have good credit and make more than enough money to service the?debt.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473919
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 12.65% Starting borrower rate/APR: 13.65% / 15.80% Starting monthly payment: $85.02
 
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: Nov-1993 Debt/Income ratio: 5%
Credit score: 780-799 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:13y 8m
Amount delinquent: $95 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 25 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: JB2006 Borrower's state: Illinois Borrower's group: UtopiaLoans.com - Now Over $1 Million in Closed Loans!!
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 11 ( 100% ) 780-799 (Latest)
Principal borrowed: $5,361.00< 31 days late: 0 ( 0% )  
680-699 (Jul-2010)
660-679 (May-2010)
780-799 (Jul-2009)
680-699 (Oct-2008)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Furnace for Apartment
Purpose of loan:
This loan will be used to install a furnace in an apartment we bought for cash

My financial situation:
I am a good candidate for this loan because i have paid back all my loans including a couple of prosper loans

Monthly net income: $ 385

Monthly expenses: $
??Housing: $ 1591
??Insurance: $ 50
??Car expenses: $ none own car
??Utilities: $ 175
??Phone, cable, internet: $ 85
??Food, entertainment: $ 110?
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 150
??Other expenses: $ none
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473921
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,300.00 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: $149.28
 
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-2001 Debt/Income ratio: 26%
Credit score: 600-619 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 13 / 12Length of status:1y 7m
Amount delinquent: $1,018 Total credit lines: 18 Occupation: Professional
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $11,122Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: No  
Screen name: scolkitt 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: 29 ( 76% ) 600-619 (Latest)
Principal borrowed: $4,100.00< 31 days late: 9 ( 24% )  
560-579 (Apr-2008)
600-619 (Jan-2008)
600-619 (Jun-2007)
520-539 (May-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 38  
Description
Payoff a much Higher Interest rate
Purpose of loan:
This loan will be used to? Pay Off a much higher interest rate on a loan

My financial situation:
I am a good candidate for this loan because? I have no delinquencies in over 7 years and my past prosper record shows all investors received prompt payments as scheduled.? I was laid off back in 2008 and while it took me 35 days to find replacement employment I did not miss any payments on any debts. I am now the head of the IT department for a regional company and my employment as head of the department is as secure as can be in these times. Investing in my loan request is a great opportunity for you to feel very safe in your investment. This loan will be paid off in less than 36 months as we plan to be get married in the fall of 2011 and would like to start our marriage with as little debt as possible.
?I am using this loan to payoff a very high? loan that was taken out to help my fiancee with car repairs she had not saved for. She needed the money immediately and I knew I could get it from an online loan organization in 24 hours. I would now like to reduce the very high interest ate I am paying them. You get a good return on your investment , and I pay less overall making the investment in my loan a win win situation.
?The "other expenses" are 194 a month to the very high interest rate loan this one will replace


Monthly net income: $ 3700

Monthly expenses: $
??Housing: $ 650
??Insurance: $ 153
??Car expenses: $ 630
??Utilities: $ 250
??Phone, cable, internet: $ 206
??Food, entertainment: $ 450
??Clothing, household expenses $125
??Credit cards and other loans: $ 352
??Other expenses: $ 194
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473923
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 5 First credit line: Jan-2008 Debt/Income ratio: 6%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:24y 1m
Amount delinquent: $0 Total credit lines: 8 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,228Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: capital-seagull Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off My Credit Cards
Purpose of loan:
This loan will be used to consolidate most of my outstanding credit card debt.

My financial situation:
I am a good candidate for this loan because I earn a decent income, and presently selling a home overseas that will complete at end of October, so have no issues repaying loan.

Monthly net income: $ 9,000.00

Monthly expenses: $
??Housing: $ 1,656.00
??Insurance: $ 220.00
??Car expenses: $ 320.00
??Utilities: $ 450.00
??Phone, cable, internet: $ 240.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 1000.00
??Credit cards and other loans: $ 1000.00
??Other expenses: $ 750.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473927
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 8 First credit line: Sep-2003 Debt/Income ratio: 14%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 12 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,675Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: dotnetforce 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 / 1 On-time: 8 ( 100% ) 700-719 (Latest)
Principal borrowed: $9,000.00< 31 days late: 0 ( 0% )  
720-739 (Dec-2009)
740-759 (Nov-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Debt consolidation
Purpose of loan:

This loan will be used to pay off couple of bills in my family. I have been a good candidate of Prosper and have repaid my previous payments on time. My Prosper Rating is "D" because I paid off very early, in my last loan.?Kindly see the details and PLEASE fund me.
Thanks!

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473929
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 5 First credit line: Apr-1976 Debt/Income ratio: 13%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:11y 5m
Amount delinquent: $0 Total credit lines: 9Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $510 
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: seahorse4 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
auto repair
Purpose of loan:
This loan will be used to?? repair on my car

My financial situation:
I am a good candidate for this loan because? I know I will be able to repay the loan on time every month with no problem.

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 218
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??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 473931
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $298.79
 
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: Dec-1994 Debt/Income ratio: 8%
Credit score: 860-879 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:4y 9m
Amount delinquent: $0 Total credit lines: 47 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,547Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: kind-money-friendship 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
Motorcycle Loan, Harley Davidson
Purpose of loan:
This loan will be used to? purchase a used Harley Davidson Fat Boy

My financial situation:
I am a good candidate for this loan because? Great credit and I pay loans off early. Due to commissions I like a loan to stabilize payments but once?I get way ahead I always pay them off.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473937
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 23.00% Starting borrower rate/APR: 24.00% / 27.48% Starting monthly payment: $156.93
 
Auction yield range: 16.89% - 23.00% Estimated loss impact: 25.32%  
Lender servicing fee: 1.00% Estimated return: -2.32%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2001 Debt/Income ratio: Not calculated
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 9 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $247Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: road9run Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for a growing business
Purpose of loan:
This loan will be used to help my already thriving business to go retail, with today's economy people are going more toward prepaid service and getting their phones repaired versus buying a new one, my company repairs high end Iphones Ipads and other smart phone cell phones. We sell quality used phones as well! The loan will give us a financial security on rent and supplies.? We charge 55-65 for a repair that the parts usually only cost 7 dollars wholesale. The location of the business is perfect and we already have a great relationship with me retail stores such as ATT T-mobile and verizon for fixing cell phones! We also are slowly moving into the repair of Ipads and Ipods.

My financial situation:
I am a good candidate for this loan because I know the value of keeping a good credit score, I paid off my 13,000? car and never missed a payment! I live we a friend and do not have to pay rent! I have a great idea and stores around the area , which are about 30 mins away, have been in? business for 5 to 10 yrs and they are within a half a mile of each other. Their are many ways to make money in the cell phone repair business , I will try not to ramble on here is a brief way I current make money.
If you have any question please feel free to ask will provide references if you like!
Thanks and God bless

Iphone unlocks 15 per phone
blackberry trackball replacement 15 per phone
iphone glass screen replacement 55 each
prepaid activation 35 each
software restore 20 25 each
we also make money buying and reselling phones
Ipod repairs 35 each
iphone 4g repairs120 each profit of 85 a phone!

These are current numbers without a retail store, we already have applied for a business lic.


Monthly net income: $ 3000- 7000

Monthly expenses: $
??Housing: $ 0 ??? ??
??Insurance: $ 50
??Car expenses: $ 300 gas
??Utilities: $ 0
??Phone, cable, internet: $ 85 cell phone
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 37
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473939
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 29.00% Starting borrower rate/APR: 30.00% / 33.61% Starting monthly payment: $318.39
 
Auction yield range: 16.89% - 29.00% Estimated loss impact: 19.99%  
Lender servicing fee: 1.00% Estimated return: 9.01%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-2006 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 6 / 3Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 8 Occupation: Student - College J...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,525Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: wise-glowing-agreement 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
Inventory for November
Purpose of loan:
This loan will be used to complete the budget for November's inventory at a conservative casual, men and women retail clothing store.

My financial situation:
I the business owner, am in need of this loan to allow the newly founded store's sales rhythm to continue uninterrupted. The name of the store is "tru" and it sells clothes for men and women dressing with a fun and conservative touch. All fabrics are made with the finest cotton in the world from Peru, and the quality is outstanding. This loan will provide leverage with merchandise to cater to the newly created sales traffic.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473947
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.00% / 39.75% Starting monthly payment: $114.51
 
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-1996 Debt/Income ratio: 22%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 7 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $325Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: tender-fund6 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
Help me grow our Business!
Our Drug Testing business is growing and we need the loan to accommodate the growth.
My financial situation is stable and strong. I pay my bills on time and I pay credit cards/loans off ahead of schedule. I do not understand why Prosper has my rating as a 2 because I have a good credit score.? If you look at the above data, you see that I have not been delinquent in over 7 years.? The total credit lines section listed above has also changed because I paid off 2 of my creditors last week.
If you have any other questions, feel free to ask.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473949
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $616.41
 
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: Apr-1996 Debt/Income ratio: 24%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:10y 2m
Amount delinquent: $0 Total credit lines: 14 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,440Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: durability-prophesy 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
Dental Surgery
Purpose of loan:
This loan will be used to pay for emergency dental surgery for my girlfriend. She is in need of some dental implants as soon as possible in order to prevent any other complications. Unfortunately I do not have the money to pay for it upfront and we do not have any insurance to cover the surgery.

My financial situation:
I am a good candidate for this loan because I have been working consistently for the past 10 years with the same company and have a guaranteed paycheck every week. I am a salaried employee with the company I work for. I have very few expenses and can afford to pay off the loan within the expected time frame.

Monthly net income: $ 4000.00

Monthly expenses: $
??Housing: $ Covered by Company
??Insurance: $ Covered by Company
??Car expenses: $ None
??Utilities: $ Covered By Company
??Phone, cable, internet: $ Covered By Company
??Food, entertainment: $ 400
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 1100.00
??Other expenses: $ None
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473965
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 6.50% Starting borrower rate/APR: 7.50% / 9.58% Starting monthly payment: $466.59
 
Auction yield range: 3.89% - 6.50% Estimated loss impact: 3.51%  
Lender servicing fee: 1.00% Estimated return: 2.99%  
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): 9 First credit line: Jan-1993 Debt/Income ratio: 17%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 15 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,317Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: terrific-penny3 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
trying to pay off credit cards!help
Purpose of loan:
This loan will be used to? pay off credit cards that went up in interest (due to economy??)

My financial situation:
I am a good candidate for this loan because? I believe in paying what you owe,?but two?of my credit cards increased interest rate? even though?I have a?pretty decent?credit score and always pay on time. .(no delinquencies, no late payments)....I was told it was being done across the board to those that have kept balances on cards??? Honestly, I don't want to see these credit card companies take any more of my hard earned money.....doesn't seem right that they can do that to honest?people that always pay on time......
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473977
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 18.29% Starting monthly payment: $225.32
 
Auction yield range: 10.89% - 14.00% Estimated loss impact: 11.11%  
Lender servicing fee: 1.00% Estimated return: 2.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-1997 Debt/Income ratio: 37%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 18Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 42 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,366Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: champion338 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
Debt Consolidation
Purpose of loan:
This loan will be used to pay off credit cards as well as?pay for some dental work for my spouse (wisdom teeth removal) and have a little?bit in savings.?

My financial situation:
I am a good candidate for this loan because I pay all my bills on time.? I have a stable job.? I am married and my husband is employed full-time as well.? We have 2 children and are working hard to become debt free to create a better future for them.

Monthly net income: $2112.50

Monthly expenses: $
??Housing: $ 953
??Insurance: $ 111
??Car expenses: $ 280
??Utilities: $ 175
??Phone, cable, internet: $ 200
??Food, entertainment: $ 450
??Clothing, household expenses $
??Credit cards and other loans: $ 1300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473983
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,400.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 16.99% Starting borrower rate/APR: 17.99% / 21.34% Starting monthly payment: $267.49
 
Auction yield range: 16.89% - 16.99% Estimated loss impact: 19.24%  
Lender servicing fee: 1.00% Estimated return: -2.25%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-1994 Debt/Income ratio: 58%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:2y 11m
Amount delinquent: $175 Total credit lines: 28 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,427Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: investment-animal 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
Pay off old debts from college
Purpose of loan:
This loan will be used to? Pay off Auto loan and credit card with very high and unreasonable rates that I accepted when I was in College.? I kept these accounts because they are good for my credit report in which I was able to obtain a loan for my house with a 702 credit score.? I recently found out that I have a 175 Medical bill posted to my account in which I at first thought FRAUD, after investigating it, it was a hospital bill for my son that they couldn't collect from his mother, therefore they put it on my credit report with out consulting with me to give me an opportunity to pay it before they posted it.? Nevertheless, I have a auto loan for 215 a month, personal Loan for 185 a month and a credit card for 100 month totalling 500.? The credit card is the biggest issue becuase it collects 40 a month in interest alone plus 40 in membership fees until paid off.? This credit card may be the oldest account on my history and I have been successful in getting good credit score because of my history with them.? Although I am almost done with the auto loan, I would prefer to pay them off sooner since I can save up to 300 if I do so.? The personal laon is half paid off, however, if I consolidate the 3, I can save anywhere from 200-400 a month or up to 1200 a year.? I have the breakdown upon request

My financial situation:
I am a good candidate for this loan because?I have a great plan to save money?for my family.? I worked out all the details and in the end, even with? High Interest rate, I will save money monthly and yearly.? Although I am a professional Therapist, I also have part time jobs as a DeeJay and a security Guard.? I am engaged to my son's mother and is currently taking care of them and another child-step son.? Due to my monthly payouts I am unable to do extra?activites with the boys?like take them to an adventure park or buy them the toys they request because I am afraid that if I do, I will regret spending the money later.? I want to cut down the monthly payouts, pay 1 monthly payment and enjoy life.? I do not wish to get myself in a foolish debt that would cost me almost double of what i am asking for becausethat would defeat the purpose of getting the loan.

Monthly net income: $ 1750

Monthly expenses: $ 1722
??Housing: $ 694
??Insurance: $ 63
??Car expenses: $ 215
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $?100
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473995
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,400.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 9.50% Starting borrower rate/APR: 10.50% / 12.61% Starting monthly payment: $240.52
 
Auction yield range: 5.89% - 9.50% Estimated loss impact: 6.10%  
Lender servicing fee: 1.00% Estimated return: 3.40%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-2000 Debt/Income ratio: 22%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 7Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 20 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,251Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: Yes  
Screen name: the-unequaled-p2p6 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
Debt Consolidation
Purpose of loan:
This loan will be used to?
Pay off high interest credit card????
My financial situation:

I am a good candidate for this loan because?
I pay my bills on time, every time.
I have 6 years continuous service in Medical IT...just started with new employer this month.?
Monthly net income: $ 4480
Including spouse...8 years at current employer.?
Monthly expenses: $
??Housing: $ 760
??Insurance: $
??Car expenses: $420.0
??Utilities: $ 400????
??Phone, cable, internet: $ 170
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 500.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474007
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,000.00 Prosper Rating: 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: $408.87
 
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: 9%
Credit score: 800-819 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:9y 8m
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: Millionaire-Mind 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
Buy investment property
Purpose of loan:?Buy a rental property. I've found a nice 3 bedroom 1.5 bath 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 or if I get a good offer, even flip it. Rents in the area are around 900/month which would be more than enough to make my monthly payments for this loan. I realize that I have to pay taxes and insurance on this house, but the rent income will be more than enough to cover them all. I already have a couple of people interested in renting the place, so finding a tenant will not be a problem.
My financial situation:?I am energetic, positive, serious, dedicated, hardworking. I know how to save and manage money. I always pay my bills on time. I?ve never had a late bill in my life. I have a good/secure job. I am?have been teaching computers in a tenured position?at the same job for more than 9 years now. My credit score is above 810?and my debt to income is very low (9%). I value my personal credit score and I will do everything possible to keep it in great shape.??I don't have any other debt except the house (home) mortgage payment of $408/month. My car is paid in full, no school loans. I always pay my credit card balance in full at the end of the month.I am absolutely positive that I will be able to pay off this loan within the given time frame at the agreed interest rate. If you have any questions, please feel free to e-mail me, or post them here.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474019
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-1994 Debt/Income ratio: 35%
Credit score: 820-839 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 50 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $41Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: repayment-atmosphere Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Head Coach Salon
Purpose of loan:
This loan will be used to fund the purchase of an S-Corp that owns two hair salons that generate nearly $400k a year in gross income.? My?wife and I have the?majority of the money needed to purchase this business; but as you see, I?am seeking additional funding.??Even with a credit score above 800 the banks don't want to make?this type of loan.???

My financial situation:
I am a good candidate for this loan because I pay my bills on time and my credit? is unblemmished.!? Also,?my wife earns as much as I and I applied for this loan based soley on?my income.? This business generates over $30k a month in sales: I will pay this loan back without financial stress.? Ask all the questions you wish.

Monthly net income: $ 3600 ($6500 with my wife)

Monthly expenses: $
??Housing: $ 1050
??Insurance: $ 100
??Car expenses: $ 396
??Utilities: $ 200
??Phone, cable, internet: $ 55
??Food, entertainment: $ 350
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 300
??Other expenses: $ 50
Information in the Description is not verified.