Listing Report:Supplement No. 78 dated Oct 25, 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 398082
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.71% - 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: Jan-1995 Debt/Income ratio: 37%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 3 / 3Length of status:7y 9m
Amount delinquent: $13,967 Total credit lines: 17 Occupation: Bus Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 9 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: savagebenn Borrower's state: Texas Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
620-639 (Aug-2008)
600-619 (Jun-2008)
620-639 (May-2008)
600-619 (Dec-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
personel use
Purpose of loan:
(explain what you will be using this loan for)I will be using this loan to payoff deliquent creditors , this is ?the only reason i'm asking for your help
My financial situation:
(explain why you are a good candidate for paying back this loan) I plan to pay this loan on time just like my active loan

Monthly net income: $ 1,ooo bus job, $946 va disability check wife income $750

Monthly expenses: $
??Housing: $ 600 pay with va check
??Insurance: $ 150
??Car expenses: $ 400
??Utilities: $ 150
??Phone, cable, internet: $ 75
??Food, entertainment: $ 300
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 650
??Other expenses: $ 150 gas
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 402500
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $138.47
 
Auction yield range: 5.71% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1995 Debt/Income ratio: 18%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:8y 6m
Amount delinquent: $1,214 Total credit lines: 23 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,658Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: upside-down 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 Classic Car purchase
I have saved 8K for a purchase of my dream Car 1975 Triumph TR6. The Plan was to save it all however I have found one that is in complete showrrom condition. So, I need the 4K to buy it now. I am a homeowner with Zero morgage debt and a house valued at approximately 200K. So if you want to make this dream car purchase come true. Bid Now.

Cheers,
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 425842
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50%  
   
 
Starting lender yield: 7.15% Starting borrower rate/APR: 8.15% / 10.23% Starting monthly payment: $408.27
 
Auction yield range: 3.71% - 7.15% Estimated loss impact: 3.51%  
Lender servicing fee: 1.00% Estimated return: 3.64%  
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): 9 First credit line: Nov-1992 Debt/Income ratio: 22%
Credit score: 820-839 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 19Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 56 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,723Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: Yes  
Screen name: freshbroccoli 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
loan for debt consolidation
Hello,

I am looking for a loan to pay off other loan taken at a much higher rate.? The loan was taken over a year ago.? The loan is current and I have paid off 1/3 of this loan.? I do not have cash problems paying the montlhy installment since it is in my budget.? All I am looking for is to get a?better rate and save some $$$.

I have a stable job with a Fortune 500 company making over $80K a year. I am diligent with my finances and my?credit score speaks for itself.? My biggest montlhy expense is my?house mortgage at $1,050 on a 30yr fix rate.??My car and my wife's car are paid in full. I really like the concept of peer to peer lending, I have been?a lender as well in this site with?over $6,000 invested in loans to other people.

Thank you for your time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459802
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.30%  
   
 
Starting lender yield: 16.71% Starting borrower rate/APR: 17.71% / 21.06% Starting monthly payment: $270.05
 
Auction yield range: 16.71% - 16.71% Estimated loss impact: 19.22%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jul-2001 Debt/Income ratio: 13%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 23 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,466Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: principal-computer8 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
Help to pay off credit cards
The purpose of this loan is to pay off high interest credit cards. I understand the importance of good credit. I pay my bills on time every month. I promise to pay this loan off. Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468724
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
 
Auction yield range: 16.71% - 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-2001 Debt/Income ratio: 52%
Credit score: 620-639 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 23 / 21Length of status:9y 5m
Amount delinquent: $0 Total credit lines: 30 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,309Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: shelly27 Borrower's state: Kansas Borrower's group: 1st and BEST for Loans
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 55 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
600-619 (Apr-2008)
620-639 (Oct-2006)
 
Principal balance: $228.95 31+ days late: 0 ( 0% )
Total payments billed: 55  
Description
Buying used van for family needs.
Purpose of loan:
This loan will be used?to help fund a van for transporting my family.?

My financial situation:
I am a good candidate for this loan because based on my payment history, I pay my loans on time and allow the lender to make money, which is the purpose of Prosper.

Monthly net income: $ 2500

Monthly expenses: $ 1750
??Housing: $ 300
??Insurance: $ 41
??Car expenses: $ 50
??Utilities: $ 200-250
??Phone, cable, internet: $ 260
??Food, entertainment: $?500
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 250
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474598
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $216.91
 
Auction yield range: 10.71% - 17.00% Estimated loss impact: 10.20%  
Lender servicing fee: 1.00% Estimated return: 6.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1985 Debt/Income ratio: 12%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 4Length of status:4y 7m
Amount delinquent: $598 Total credit lines: 19 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,538Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: JPLucasWM80 Borrower's state: Maryland Borrower's group: Graduates from America's Top 50 Colleges and Universities
Credit and homeownership information was obtained 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% ) 720-739 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
680-699 (Dec-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Paying Off Last Credit Card
We put a lot of graduate school tuition on credit cards instead of taking out student loans. Been paying for a while, but this is our last one.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476770
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 5.95%  
   
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $259.62
 
Auction yield range: 5.71% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-1999 Debt/Income ratio: 33%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 42 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $59,197Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: competent-p2ploan2 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit card debt
Purpose of loan:
This loan will be used to pay off high interest credit card debt.

My financial situation: After 12 years of college education I have considerable unsecured debt as can be seen in the report above. I now have a large income and I am paying more than the minimum on all debts. I have no problem paying, but I want to reduce the amount of interest that I will incur over the next few years as I eliminate my college debt.
I am a good candidate for this loan because I have a solid debt reduction plan, I do not miss payments (and prefer to automate them), my monthly living expenses are extremely low compared to my income, and I am very loyal to creditors who have provided services to me in the past (i.e. High potential for repeat business if the need arises).

Monthly net income: $8515

Monthly expenses: $ 6740
??Housing: $ 1100
??Insurance: $ 90
??Car expenses: $ 700
??Utilities: $ 250
??Phone, cable, internet: $ 200
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 3000
??Other expenses: $ 1400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 478626
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 22.37% Starting monthly payment: $274.92
 
Auction yield range: 16.71% - 18.00% Estimated loss impact: 37.60%  
Lender servicing fee: 1.00% Estimated return: -19.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Jun-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 6Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 18 / 18Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 64 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $265,547Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: best-brainy-commitment Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan for my business
Purpose of loan:
This loan is for working capital on my business. I import handmade one of a kind purses, accessories, home decor from Latin America. It is my passion. I have been selling online on blujay, ebay, bonanza, artfire and my own site www.createnativa.com
I want to expand into a small retail spot where I can introduce the holiday ornaments made by hand and all my other purses, etc.


My financial situation:
I am a good candidate for this loan because I am passionate about the business. I have always paid my bills on time and I am very responsible. I work very hard. I take my payment responsibility very seriously.

Monthly net income: $ 6200

Monthly expenses: $
??Housing: $?2367
??Insurance: $ 184
??Car expenses: $ 387
??Utilities: $ 50
??Phone, cable, internet: $ 120
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 682
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 478910
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Feb-2001 Debt/Income ratio: 52%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: commerce-halo 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
Vending to Success
Purpose of loan:
This loan will be used to?
To purchase 3 combo vending vending machines. These machines include a 19 snack selection and a 6 drink selection which including both increases sales by 20%.
My financial situation:
I am a good candidate for this loan because?
I only have three manageable debts and have payed 3 other loan amounts, so Im good about paying on time..
Monthly net income: $ 1535

Monthly expenses: $
??Housing: $ 0????????

??Insurance: $ 262

??Car expenses: $ 342
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 50
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 170
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 479536
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 16.71% Starting borrower rate/APR: 17.71% / 21.06% Starting monthly payment: $90.02
 
Auction yield range: 16.71% - 16.71% Estimated loss impact: 37.52%  
Lender servicing fee: 1.00% Estimated return: -20.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Oct-1998 Debt/Income ratio: 11%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 2 Current / open credit lines: 17 / 14Length of status:19y 4m
Amount delinquent: $619 Total credit lines: 33 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,791Stated income:$100,000+
Delinquencies in last 7y: 9 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: versatile-loyalty8 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying My Personal Taxes
This loan will be used to pay personal taxes for 2009. My husband and I did not adjust our exemptions properly after having been single and head of household for many years prior to getting married! My financial situation: I am a good candidate for this loan because? I have a steady income and I am very responsible with paying bills. I value a great credit score; however, recently had a mix up with Salli Mae over a parent loan that I thought was being paid through my credit union bill pay and all along Sallie Mae had sold the loan and the payments were being rejected. That was recently corrected and unfortunately is showing on my record as a "delinquency"! :( I am a hard-working Mom of three wonderful children, who served her country for 4 years in the military and whose husband stills serves our great country after 20+ years.

Monthly net income: $ 6000 Monthly expenses: $ 4000 Housing: $2200
??Insurance: $100
??Car expenses: $530
??Utilities: $200
??Phone, cable, internet: $100
??Food, entertainment: $600
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 479826
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $89.74
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Sep-1987 Debt/Income ratio: 33%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 14 / 11Length of status:4y 0m
Amount delinquent: $138 Total credit lines: 42 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,676Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: the-profit-reformer Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,200.00< 31 days late: 0 ( 0% )  
660-679 (Dec-2009)
600-619 (Oct-2008)
 
Principal balance: $958.32 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Dental Work
Purpose of loan:
This loan will be used to? I need 3 crowns done on my teeth

My financial situation:
I am a good candidate for this loan because? I am doing well financially but I just don't have this amount all at once. I was just promoted to a new position that is effective Dec. 1, so I feel with a wage increase I will definitely be okay to make my payments. I am very hard working and have always paid my obligations.

Monthly net income: $ 2,700.00

Monthly expenses: $
??Housing: $ 400.00
??Insurance: $ 105.00
??Car expenses: $155.70
??Utilities: $ 100.00
??Phone, cable, internet: $ 85.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $ 180.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 480246
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $298.20
 
Auction yield range: 16.71% - 24.00% Estimated loss impact: 25.38%  
Lender servicing fee: 1.00% Estimated return: -1.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Sep-1998 Debt/Income ratio: 53%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 55 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $45,175Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: moola-harmony3 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
HELP-PAYING OFF MY CREDIT CARDS
Purpose of loan:
This loan will be used for debt consolidation.

My financial situation:
I am a good candidate for this loan because I pay my bills as expected.

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 480710
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $308.20
 
Auction yield range: 10.71% - 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: Jun-1988 Debt/Income ratio: 17%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 7Length of status:30y 5m
Amount delinquent: $0 Total credit lines: 27 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,830Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: leverage-laser Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to? pay off credit cards

My financial situation:
I am a good candidate for this loan because? I am credit worthy, have a good job for 30+ years

Monthly net income: $ 4188.33

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 480944
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 60 months Estimated loss: 1.55%  
   
 
Starting lender yield: 10.00% Starting borrower rate/APR: 11.00% / 11.22% Starting monthly payment: $326.14
 
Auction yield range: 3.23% - 10.00% Estimated loss impact: 1.56%  
Lender servicing fee: 1.00% Estimated return: 8.44%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jul-1999 Debt/Income ratio: 10%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,060Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: Yes  
Screen name: IHaveAlwaysMadeMyPayments 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
For a New Kitchen and Bathroom!
Purpose of loan:

I'm getting married within a year and I want to surprise my fianc? with a brand new bathroom and kitchen! I truly appreciate your investment. Thank you so much!

My financial situation:

I am a great candidate for this loan because I never missed a payment?on a?credit card or at anytime on my mortgage.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481106
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 3.50%  
   
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $490.73
 
Auction yield range: 3.71% - 9.95% Estimated loss impact: 3.53%  
Lender servicing fee: 1.00% Estimated return: 6.42%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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: Sep-2003 Debt/Income ratio: 18%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,718Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: income-oracle8 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards.
Purpose of loan:
This loan will be used to?To consolidate my three credit cards.

My financial situation:Stable.
I am a good candidate for this loan because?I have a high FICO score and have NEVER been late on ANY payments. I am trying to get the lowest interest rate possible. You can bid without hesitation; you will get your money back with interest :) If you have any questions, please do not hesitate to ask. Thank you,
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481130
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,400.00 Prosper Rating: AA Auction Duration: 7 days
Term: 12 months Estimated loss: 1.55%  
   
 
Starting lender yield: 6.00% Starting borrower rate/APR: 7.00% / 7.94% Starting monthly payment: $121.14
 
Auction yield range: 2.05% - 6.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 4.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: May-1999 Debt/Income ratio: 13%
Credit score: 820-839 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 36 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,029Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: Yes  
Screen name: deal-sitar0 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
car asap
Purpose of loan:
This loan will be used to?
get a car
My financial situation:
I am a good candidate for this loan because? i am a good payer and have good credit
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481136
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Aug-1977 Debt/Income ratio: 24%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 8Length of status:12y 1m
Amount delinquent: $501 Total credit lines: 23 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $96Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: brettjonmaryjim 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
New Business
Purpose of loan:
This loan will be used to? Purchase equipment for new teeth whitening center. No competition in my local area at all, except dental offices which charge three to six times more money for the same service.

My financial situation:
I am a good candidate for this loan because? My husband has been self employed restaurant owner for thirty years and understands what it takes to be sucessfull. We also have no housing bills as we are care takers for one of my fathers many rentals. Kids are college grads and no longer live at home. $501 late charge on credit report is in dispute concerning a doctor bill.

Monthly net income: $ 1600. plus husbands income

Monthly expenses: $ 460.
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $268.
??Utilities: $ 75.
??Phone, cable, internet: $ 42.
??Food, entertainment: $ eat at our family restaurant
??Clothing, household expenses $
??Credit cards and other loans: $ 25
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481142
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $198.80
 
Auction yield range: 10.71% - 24.00% Estimated loss impact: 11.39%  
Lender servicing fee: 1.00% Estimated return: 12.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Oct-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,070Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 38%  
   Homeownership: Yes  
Screen name: garmonbozia Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
5k needed to prep a house for sale
I need a little extra money to complete a real estate investment.
?Zillow.com lists this property at $80k.I currently have $30k invested, so even if it sells at a substantial discount there will be more than enough money to repay this loan.
?I?ve been a lender on Prosper for about three years, so I intimately know how important it is for payment obligations to be fulfilled and a reasonable yield returned to the investor.I have also never been late or missed a payment on any financial obligation for the past 15 years ? this is a low-risk loan managed by a high-responsibility borrower.
?I plan to repay this loan from other income streams until the home sells.At that point I will either repay the loan in full or use the remainder as capital for a new rehab project.
?This loan will be used to restore and upgrade the electric systems, finish tuck-pointing the exterior, and complete final preparations for sale.
?The rehab on the home is nearly complete.I have installed a new kitchen and bathroom, all new windows, new hardwood flooring, and a new high-efficiency heat pump.I?ve also corrected all deferred maintenance, including thorough cleaning, painting, and re-seeding the backyard lawn.Getting the electric on is the last major project to make this house a livable home.
?Thanks for your help completing this step of my economic goals!
Monthly net income: $ 4100

Monthly expenses: $ 2075
??Housing: $ 600
??Insurance: $ 75 ??
??Car expenses: $ 255
??Utilities: $ 75
??Phone, cable, internet: $ 95
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481144
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $123.28
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-2005 Debt/Income ratio: 18%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 15 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,773Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: credit-duckling Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?
pay off my credit cards.
My financial situation:
I am a good candidate for this loan because?
I have a stable income, and my debts are all current. I would really like to be able to be debt free when I start looking to buy my first home, hopefully within a year or two.
Monthly net income: $
1530
Monthly expenses: $ 730
??Housing: $ 250
??Insurance: $ 90
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 60
??Food, entertainment: $ 30
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481148
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $99.40
 
Auction yield range: 13.71% - 24.00% Estimated loss impact: 15.28%  
Lender servicing fee: 1.00% Estimated return: 8.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Feb-1984 Debt/Income ratio: 26%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 27 / 24Length of status:12y 5m
Amount delinquent: $0 Total credit lines: 72 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $82,137Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: sincere-euro7 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
getoutofdebt
Purpose of loan:
This loan will be used to?pay unexpected debt and I plan to pay it in Feb with the sale of?restricted stock?

My financial situation:
I am a good candidate for this loan because?i am very responsible and?am very concerned if I don't cover this?emergency ?

Monthly net income: $ 7,400

Monthly expenses: $
??Housing: $ 1200
??Insurance: $
??Car expenses: $?800
??????Utilities: $ 100
??Phone, cable, internet: $?80
??Food, entertainment: $?300
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 1500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481154
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1971 Debt/Income ratio: 29%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:15y 2m
Amount delinquent: $0 Total credit lines: 49 Occupation: Architect
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $95,424Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: blue-community-course Borrower's state: Hawaii Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a used car for my last son
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 481168
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 40.24% Starting monthly payment: $54.28
 
Auction yield range: 16.71% - 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: Apr-2010 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 600-619 (Oct-2010) Inquiries last 6m: 6Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 6 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $816Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: 412grill Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 3 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
720-739 (May-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 3  
Description
Building Credit With Prosper 2
Purpose of loan:
This loan will be used to?Business and Investment use. ( I am trying to build credit with prosper so in 2-3 years I can get a bigger loan to open a second Location. I am using this 1200.00 to invest in Tickets to resell and Inventory for current location. I don't understand how my credit score dropped 100 points buy applying for credit cards.

My financial situation:
I am a good candidate for this loan because??My business has been open since 2007 and I have a 3year established employment?with income.?

Monthly net income: $ 2000.00

Monthly expenses:?$600.00
??Housing: $ 0
??Insurance: $ 100.00
??Car expenses: $ Paid Off
??Utilities: $ 100.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ Buisness Pays Loans on credit cards Money used for investments
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481172
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-1992 Debt/Income ratio: 16%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:9y 3m
Amount delinquent: $0 Total credit lines: 12 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,390Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: peaceful-loot1 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off short-term loans
I had a temporary need to take out 3 short-term loans at very high interest rates, and I wish to pay them off ASAP. I have steady full-time job as a professor (with tenure), and also steady monthly income as a musician (at a church is one thing I do, so that is weekly event, of course). I have some other debt on credit cards, but once I pay off the short-term loans getting them paid off as well as this loan will not be an issue. Again, the need I have is to clear away those 3 high-interest loans as soon as I can.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481174
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.71% - 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: Jan-1981 Debt/Income ratio: Not calculated
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 4 Current / open credit lines: 1 / 1Length of status:2y 5m
Amount delinquent: $11,610 Total credit lines: 11Stated income:Not employed
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $0 
Delinquencies in last 7y: 9 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: afootballfan Borrower's state: SouthCarolina Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
I am destitute and need your help
Purpose of loan: I really do not need a loan. . . but I do need College Football fan[atic]s to buy my book, December Dream . . . Qualifying for the Final BCS Rankings.?? www.bbotw.com . If you buy my book, and I need to sell 300 copies from this website as?the publisher pays me $3 per book sold. If you buy it anywhere else I only make $.75 cents per copy.
I need to sell 300 copies through the publisher www.bbotw.com and you can even read the 3 posted reviews on that site, before you buy!

My financial situation:
I am a terrible candidate for a loan, that is why I need you to buy a copy of my book, so I can maintain a roof over my head just a few more months, and by then I will have a job.?? Please buy one for your self or a friend. . . I have a revolutionary plan for an alternative to a playoff that you have NEVER heard before!? YOUR HELP IS VITAL . . . Please???

Monthly net income: $ 0

Monthly expenses: $
??Housing: $ 350
??Insurance: $ 27
??Car expenses: $65
??Utilities: $ 0
??Phone, cable, internet: $50
??Food, entertainment: $ 0
??Clothing, household expenses $0
??Credit cards and other loans: $ 0
??Other expenses: $ 60
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481184
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,200.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $295.88
 
Auction yield range: 10.71% - 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: Jul-2008 Debt/Income ratio: Not calculated
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 2 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $581Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: yield-alien Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Improvements
Purpose of loan:
This loan will be used to?
The purpose of this loan is to make some minor business improvements to my business. I am in the animal care industry. Soon, I plan to go full-time. As of now I also work as a teacher's Aide.
My financial situation:
I am?a good candidate for this loan because?
My? financial siuation is great. My montly obligations are low and I make a decent income?from my job. Business is also increasing as well. My revenue and profit margins both have increased this past quarter.
Monthly net income: $ 2080 (Teacher's Aide)?

Monthly expenses: $
??Housing: $ 150
??Insurance: $ 137
??Car expenses: $ 0
??Utilities: $?70
??Phone, cable, internet: $ 80
??Food, entertainment: $ 0
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 100
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481186
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 25.00% Starting borrower rate/APR: 26.00% / 29.52% Starting monthly payment: $241.74
 
Auction yield range: 10.71% - 25.00% Estimated loss impact: 10.42%  
Lender servicing fee: 1.00% Estimated return: 14.58%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-2000 Debt/Income ratio: Not calculated
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,213Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: bonneville83 Borrower's state: NewYork Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 3 On-time: 25 ( 96% ) 700-719 (Latest)
Principal borrowed: $5,500.00< 31 days late: 1 ( 4% )  
680-699 (Feb-2010)
680-699 (Jun-2008)
640-659 (Apr-2008)
 
Principal balance: $0.04 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Relist, 700-719 Score, CC, Med Debt
Purpose of loan:
This loan will be used to consolidate the debt from three credit cards into one.? Due to medical bills from an unexpected bout with cancer, I had to do quite a bit of charging on my credit cards to cover expenses.? I'm out of the woods now and wanted to get back on track consolidating and eliminating debt.? Also, one monthly payment will be much easier to manage.

My financial situation:
I am a good candidate for this loan because I have a steady income ($2148 a month), few expenses, and my credit score history shows a steady improvement.? My Prosper Rating is admittedly not great and I can only say that it does not accurately reflect my credit worthiness.? I am currently a Ph.D. student in Engineering receiving a modest stipend.? I also am living at home so I have very few expenses and can devote the majority of my income to debt repayment.? I overpay all debts and can devote $1400 a month to debt payments. I am aggressive about paying down my debt.? The single late payment on a previous Prosper loan was due to a delay in processing a deposit by my bank.? Once the deposit cleared I immediately made the payment.? You can be assured that this will never happen again.

If funded, this will be my fourth successful loan with Prosper.? Prosper works and hopefully my credit score history attests to this fact.? I am an active investor in Prosper and will answer any and all questions you may have.? I have paid all of my Prosper loans back in full and ahead of schedule and this one will be no different.?

Monthly net income: $ 2148

Monthly expenses: $ 1803??Housing: $ 0??Insurance: $ 83??Car expenses: $ 100??Utilities: $ 0??Phone, cable, internet: $ 70??Food, entertainment: $ 100??Clothing, household expenses $ 50??Credit cards and other loans: $ 1400? (I overpay on my debts.? Minimum payments are around $700.00 a month)??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481188
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 27.00% Starting borrower rate/APR: 28.00% / 31.56% Starting monthly payment: $206.82
 
Auction yield range: 13.71% - 27.00% Estimated loss impact: 15.43%  
Lender servicing fee: 1.00% Estimated return: 11.57%  
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): 5 First credit line: Apr-2006 Debt/Income ratio: 18%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:10y 3m
Amount delinquent: $0 Total credit lines: 20 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,503Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: ITNERD 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 / 3 On-time: 73 ( 100% ) 680-699 (Latest)
Principal borrowed: $12,550.00< 31 days late: 0 ( 0% )  
640-659 (Sep-2009)
600-619 (Jan-2008)
580-599 (Mar-2007)
580-599 (Nov-2006)
 
Principal balance: $3,590.08 31+ days late: 0 ( 0% )
Total payments billed: 73  
Description
Consolidating my credit cards
Purpose of loan:
This loan will be used to consolidate my credit cards.

My financial situation:
I am a good candidate for this loan because i have fully paid 2 previous loans of the same amount, ahead of schedule and I have never been late making payments.

Monthly net income: $ 6500

Monthly expenses: $ 4400
??Housing: $2650
??Insurance: $ 50
??Car expenses: $ 600
??Utilities: $ 200
??Phone, cable, internet: $ 0 (company paid)
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481194
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 16.71% Starting borrower rate/APR: 17.71% / 21.06% Starting monthly payment: $270.05
 
Auction yield range: 16.71% - 16.71% Estimated loss impact: 37.52%  
Lender servicing fee: 1.00% Estimated return: -20.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Feb-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:7y 1m
Amount delinquent: $0 Total credit lines: 7 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $168Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: No  
Screen name: abundant-exchange 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
seasonal Inventory for my 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 481196
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $173.08
 
Auction yield range: 5.71% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-1987 Debt/Income ratio: 24%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 45 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $73,282Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: DebbieKat Borrower's state: Washington Borrower's group: Voyagers Financial
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating credit card debt
Purpose of loan:
This loan will be used to? consolidate credit card debt. My husband and I own investment rental properties that were vacant for a good portion of last year due to the economy. While they were vacant we used the opportunity to make repairs and improvements. The improvements and lack of rental income led to use of credit to pay utilities and mortgages. These are all rented now, with the exception of one unit that is in the final stages of improvement. We expect to be able to rent this unit out next month. In the meantime, the credit card companies have been increasing interest rates on us, with the claim that they are reviewing all accounts in light of the current economy. So, they are making it more difficult to pay off the debt. I will pay off two credit cards with this loan.

My financial situation:
I am a good candidate for this loan because? I am fully employed at a high-paying job and the rental properties are all rented, with the exception of one unit (1 out 5). I have never defaulted on anything in my life and have a long history of good credit.

Monthly net income: $ 5800

Monthly expenses: $
??Housing: $ 2100
??Insurance: $ 300
??Car expenses: $ 200
??Utilities: $ 250
??Phone, cable, internet: $ 280
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1000
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481198
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 14.50% Starting borrower rate/APR: 15.50% / 18.80% Starting monthly payment: $87.28
 
Auction yield range: 10.71% - 14.50% Estimated loss impact: 11.13%  
Lender servicing fee: 1.00% Estimated return: 3.37%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-1999 Debt/Income ratio: 11%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,543Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: cash-encore Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Honey (must) do List
Purpose of loan:
This loan will be used to repair some plumbing and winterize the home to prevent major cost down the road.

My financial situation:
I am a good candidate for this loan because I am very secure in my career and have high values in paying off my lenders.

Monthly net income: $? My household income is $6,722 net after combination of both mine and my spouse

Monthly expenses: $
??Housing: $?1500.
??Insurance: $ 206.
??Car expenses: $ 298.
??Utilities: $ 300.
??Phone, cable, internet: $ 200.
??Food, entertainment: $ 400.
??Clothing, household expenses $ 50.
??Credit cards and other loans: $ 1500.
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481202
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.30%  
   
 
Starting lender yield: 16.71% Starting borrower rate/APR: 17.71% / 21.06% Starting monthly payment: $180.04
 
Auction yield range: 16.71% - 16.71% Estimated loss impact: 19.22%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1993 Debt/Income ratio: 7%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: Odehyah Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 32 ( 100% ) 720-739 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
660-679 (Jan-2008)
 
Principal balance: $643.20 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
New Windows
Purpose of loan:
I need to replace the windows in my house that I recently purchased (in Feb.) .? My current windows are not energy efficient and cold air seeps in.?
My financial situation:
I am a good candidate for this loan because I have nearly repaid my Prosper loan. I have had no late payments. I have $0 credit card debt.? My only debt is household expenses, car insurance, utilities, cell phone?and a school loan.?

Monthly net income: $ 5000

Monthly expenses: $ 2535
??Housing: $ 1500????
??Insurance: $ 170
??Car expenses: $ 50
??Utilities: $ 200
??Phone, cable, internet: $ 140
??Food, entertainment: $ 150
??Clothing, household expenses $ 150????
??Credit cards and other loans: $ 100????
??Other expenses: $ 75
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481224
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 28.00% Starting borrower rate/APR: 29.00% / 35.12% Starting monthly payment: $41.91
 
Auction yield range: 16.71% - 28.00% Estimated loss impact: 38.23%  
Lender servicing fee: 1.00% Estimated return: -10.23%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 11 Occupation: Civil Service
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: misimis1 Borrower's state: California Borrower's group: Debt Consolidators
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Marketing my Business Online
Purpose of loan:
This loan will be used to help rebuild my credit as well as expand my business with online marketing. I look at this move as an investment that will profit considereably. My website needs some serious backlinking and ranking and I need a professional to handle this for me. As of now my website is getting 12 inquiry's a month and with my keyword searches we should be at least getting 90 hits to our website a month. There is a huge potential to expand in this market.

My financial situation:
I am a great candidate for this loan because I don't have any other debt and our business is doing remarkable and I have?many loan pay offs in my credit history.? This is also an investment that I believe will make a big difference in my income.? My monthly income currently changes from month to month so I have used my low numbers. I don't have any problems using my savings for this but I?am in the process of?rebuilding my credit.

Monthly net income: $ 2500

Monthly expenses: $ 1300
??Housing: $?425
??Insurance: $ 91
??Car expenses: $?220
??Utilities: $ 80
??Phone, cable, internet: $ 120
??Food, entertainment: $?300
??Clothing, household expenses $ 60
??Credit cards and other loans: $ 0 NONE
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481228
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.30%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $216.91
 
Auction yield range: 16.71% - 17.00% Estimated loss impact: 19.24%  
Lender servicing fee: 1.00% Estimated return: -2.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-2001 Debt/Income ratio: 36%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 23 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,927Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: No  
Screen name: kindness-jedi6 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan for my business
Purpose of loan:
This loan will be used to pay?off low balance that?I have in some credit cards?and?rest?I will?use it as? deposit for a commercial cleaning franchise.

My financial situation:
I am a good candidate for this loan because i believe that a have a good credit history?I have a stable job and made my payments for all the debt?I have on time. I have two jobs so my income is good.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481230
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $157.04
 
Auction yield range: 13.71% - 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-1985 Debt/Income ratio: 29%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:15y 7m
Amount delinquent: $0 Total credit lines: 15Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,649 
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: brightest-harmonious-bonus Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
cash for new solar technology
Purpose of loan:
This loan will be used to invest into new solar technology. ????

My financial situation:
I split all these expenses with my wife and her income.? I am a good candidate for this loan because I stay on top of my monthly debt.? I know what I can count on every month.

Monthly net income: $ 1702

Monthly expenses: $ 1370
??Housing: $ 400
??Insurance: $ 0
??Car expenses: $ 220
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481232
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 22.25% Starting borrower rate/APR: 23.25% / 26.71% Starting monthly payment: $155.36
 
Auction yield range: 10.71% - 22.25% Estimated loss impact: 10.34%  
Lender servicing fee: 1.00% Estimated return: 11.91%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Feb-1987 Debt/Income ratio: 8%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 8Length of status:23y 6m
Amount delinquent: $785 Total credit lines: 46 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,616Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: invincible-greenback Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
660-679 (Jan-2010)
 
Principal balance: $1,634.62 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Ramping up!
Purpose of loan:
My wife and I just launched a fashion boutique in a great location in NJ.? The build out is complete but we need a?small amount of additional capital to?top off the inventory for?our Thanksgiving opening.?We are really excited about the launch!

My financial situation:
I have a tight but manageable financial situation.? Even through tough times my credit score and payment history have remained good.? The one account issue on my report stemmed from an account dispute and has been resolved but unfortunately I cannot wait until the next reporting cycle.? My oldest son graduates from college this year which frees up income for other purposes.

Monthly net income: $ 8000

Monthly expenses: $
??Housing: $ 2000
??Insurance: $ 400
??Car expenses: $ 300
??Utilities: $ 280
??Phone, cable, internet: $?300
??Food, entertainment: $ 800
??Clothing, household expenses $ 350
??Credit cards and other loans: $ 400
??Other expenses: $ 1500 - College
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481234
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 36.16% Starting monthly payment: $42.45
 
Auction yield range: 16.71% - 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: Oct-1998 Debt/Income ratio: Not calculated
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 2 / 1Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 28Stated income:Not employed
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $0 
Delinquencies in last 7y: 29 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: Mountainman80 Borrower's state: California Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 13 ( 100% ) 660-679 (Latest)
Principal borrowed: $12,850.00< 31 days late: 0 ( 0% )  
600-619 (Dec-2007)
640-659 (Nov-2007)
560-579 (Mar-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Starting a small business
Purpose of loan:
This loan will be used to start my small business as a process server in my local area.? I have been doing this on and off since being layed off due to no work in the construction industry in May 2010.? You are allowed 10 serves a year without actually being a process server.? Now that I have done serves and I know I can make money at this and I have made money at this it is time to become a registered process server and start building my business and advertising.

My financial situation:
I am a good candidate for this loan because this business is extremely important to me and it has to succeed.? Like I said, I already am making money at this and I want to expand with advertising.? I did file bankruptcy about a year ago due to losing a home, losing my hours at work (eventually being laid off) and having some other debt as well.? I have a clean slate and since just before the bankruptcy I have had a cash only budget.? It has completely changed my life for the better!? I have the 1000 dolllars in the bank that I could use for my advertising right now.? I am doing this loan because I have decided that it is time to start rebuilding my credit and as you know the only way to build credit is to pay your loans and pay them on time.

Monthly net income: $ 2000.? Plus my wifes income of approximately $2500

Monthly expenses: $
??Housing: $ 850
? Car expenses: $ paid for
??Utilities: $ 200
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
? Credit cards and other loans: $ 0

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481240
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,600.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.88% Starting monthly payment: $72.38
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1992 Debt/Income ratio: 23%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 17Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 38 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $18,675Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: tony4now Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off Some Debts
Purpose of loan:
This loan will be used to pay off some short term debts

My financial situation:
I am a good candidate for this loan because I have execellent employment history and am very trust worthy. My short term need is urgent and need this loan in order to not get any farther behind.

Monthly net income: $ 5288

Monthly expenses: $ 3439
??Housing: $ 1270
??Insurance: $ 19
??Car expenses: $ 540
??Utilities: $ 40
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1070
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481244
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,900.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $131.18
 
Auction yield range: 16.71% - 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: Aug-1990 Debt/Income ratio: 45%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 12Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 39 Occupation: Principal
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,981Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: Yes  
Screen name: liberty-mammal Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 720-739 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
720-739 (Sep-2010)
680-699 (Nov-2009)
 
Principal balance: $1,610.18 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Paying off some high interest debts
Purpose of loan:
This loan will be used to? Pay off some small high interest loans and credit cards.
My financial situation:
I am a good candidate for this loan because? I have worked in the same field for 21 years.? I get paid by direct deposit so the money for bills set up for auto payment is always in the bank.? I just received a raise this month.

Monthly net income: $ 8400.00 including my wife

Monthly expenses: $
??Housing: $ 1350 with escrow for insurance and taxes
? Insurance: car $ 69? Health Ins paid by employer
??Car expenses: $?1000
??Utilities: $ 300
??Phone, cable, internet: $ 300
??Food, entertainment: $?500
??Clothing, household expenses $
??Credit cards and other loans: $?3498
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481246
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $82.19
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-1982 Debt/Income ratio: 11%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:8y 8m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $139,024Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: euro-cherry5 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan for my business
Purpose of loan:
This loan will be used to? finish repairs on an investment property I am buying. I still need to finish some plumbing in the basement. I need to buy paint to paint a couple of rooms in the house.

My financial situation:
I am a good candidate for this loan because?
I have a job I've been working at for 8 years. I buy and sell real estate. I recently sold a property in June for $15000 profit. I also have a CDL class A trucking license. My credit report says I do not own my home. This is incorrect.?I own my house worth $228,000 and the revolving credit line on my credit report iis mostly a line of credit on my house. My ins company appraised my house @ 228,000 and so does zillow. My investment property is worth $35000.?I am current with all my bills.
Monthly net income: $5100.00

Monthly expenses: $3799,75
??Housing: $683.33
??Insurance: $51.42?
??Car expenses: $408.33?
??Utilities: $300.33
??Phone, cable, internet: $95.00
??Food, entertainment: $1500.00
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481250
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 14.35% Starting borrower rate/APR: 15.35% / 18.65% Starting monthly payment: $243.86
 
Auction yield range: 13.71% - 14.35% Estimated loss impact: 14.82%  
Lender servicing fee: 1.00% Estimated return: -0.47%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-2000 Debt/Income ratio: Not calculated
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:4y 7m
Amount delinquent: $0 Total credit lines: 22 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,517Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: ermir Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying for the wedding
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481252
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 60 months Estimated loss: 5.95%  
   
 
Starting lender yield: 6.23% Starting borrower rate/APR: 7.23% / 8.52% Starting monthly payment: $298.65
 
Auction yield range: 6.23% - 6.23% Estimated loss impact: 6.03%  
Lender servicing fee: 1.00% Estimated return: 0.20%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-1979 Debt/Income ratio: 24%
Credit score: 800-819 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 18Length of status:35y 2m
Amount delinquent: $0 Total credit lines: 42 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $175,813Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: Yes  
Screen name: DONROSSJR Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to?Pay off high interest credit card debt

My financial situation:stable
I am a good candidate for this loan because?Credit rating is good to excellent, and I wish to pay off debt at lower interest rate

Monthly net income: $5759.02

Monthly expenses: $
??Housing: $
??Insurance: $160
??Car expenses: $368
??Utilities: $125
??Phone, cable, internet: $118
??Food, entertainment: $300
??Clothing, household expenses $50
??Credit cards and other loans: $1800
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481258
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $81.42
 
Auction yield range: 16.71% - 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: Dec-1994 Debt/Income ratio: 14%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 9Length of status:12y 2m
Amount delinquent: $0 Total credit lines: 59 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,207Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: wooster Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 19 ( 100% ) 640-659 (Latest)
Principal borrowed: $8,250.00< 31 days late: 0 ( 0% )  
640-659 (Feb-2010)
640-659 (Nov-2009)
740-759 (Sep-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
Livestock Purchase
Purpose of loan:
This loan will be used to?? Buy a couple cow calf pairs.? Raise them up and sell them and pay off the loan.? I have done this a few times.

My financial situation:
I am a good candidate for this loan because? This would be my 3rd loan here. I have never missed a payment.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481260
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 6.20% Starting borrower rate/APR: 7.20% / 9.27% Starting monthly payment: $371.62
 
Auction yield range: 5.71% - 6.20% Estimated loss impact: 6.03%  
Lender servicing fee: 1.00% Estimated return: 0.17%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1988 Debt/Income ratio: 9%
Credit score: 800-819 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:19y 3m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $82,980Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: rockabillylender 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
It's all about real estate
Purpose of loan:
I am buying more real estate. Now is a great time because home prices are so low. The property I am now purchasing is in Memphis (where I currently own 1 other house that is rented out). If I buy with cash (instead of getting a traditional mortgage) I can get a better price for the duplex I am buying. I have most of the cash already. This duplex will immediately have positive cash flow of nearly $1,000/month, so paying back this loan at less than $400/month will not be an issue.

My financial situation:
I am a good candidate for this loan because I have never defaulted on a loan nor had late payments, I have been working with the same company for nearly 20 years, and I own the house I live in here in Southern California. The rental property I have in Memphis has a positive cash flow of $250/month. The only debt I have is mortgages, and Home Equity Lines Of Credit (that shows up here as Revolving credit balance).

Since I have excellent credit, I'm not sure why Prosper is giving me only a B rating.

I have used this site to lend money before, but this is the first time I'm getting a loan here. I have never filed for bankruptcy.

You can see that I have only 9% debt to income. I have plenty of income and have been able to build up a nice savings and IRA balance, as well as contributing to my 401k at work. I value my credit and would never default.

Monthly net income: $ 4,300

Monthly expenses: $ 2,200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481264
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
 
Auction yield range: 10.71% - 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: May-1988 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:36y 9m
Amount delinquent: $0 Total credit lines: 14 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,341Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: euro-bear Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
personal loan
Purpose of loan:
This loan will be used to?
bills/home improvement/applicant has grant deed for property
My financial situation:
I am a good candidate for this loan because?
I have not been deliquent on current open accounts in over 3 yrs
Monthly net income: $ 11369

Monthly expenses: $?6317
??Housing: $ 2746
??Insurance: $ 150
??Car expenses: $ 841
??Utilities: $ 700
??Phone, cable, internet: $ 160
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 20
??Other expenses: $ 1200/child support
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481272
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,600.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $208.09
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-1971 Debt/Income ratio: 28%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:7y 3m
Amount delinquent: $0 Total credit lines: 26 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,254Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: nexus19 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off small credit card balances, bathroom home improvement.

My financial situation:
I am a good candidate for this loan because I always meet my financial obligations

Monthly net income: $ 4964

Monthly expenses: $ 4000
??Housing: $ 2134
??Insurance: $ 68.
??Car expenses: $ 40
??Utilities: $ 220
??Phone, cable, internet: $ 98
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1190
? Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481276
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $308.20
 
Auction yield range: 10.71% - 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-1997 Debt/Income ratio: 17%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 4 / 4Length of status:0y 6m
Amount delinquent: $384 Total credit lines: 13 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,942Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: No  
Screen name: Rideontrikes Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Getting current with creditors.
Purpose of loan:
This loan will be used to pay off debts to some of my creditors, and?to?get current with my bills.? I have several?credit cards that I?want to pay off.?? I?am ready to consolidate my higher interest credit cards?when approved for this loan.??

My financial situation:
I am a good candidate for this loan because I will pay off my loan with fair interest.? I am currenly employed and also get a retirement check from the V.A. monthly.? I am interested and invested?in making sure that my creditors are paid in full.

Monthly net income: $ 3869

Monthly expenses: $
??Housing: $ 240
??Insurance: $?200
??Car expenses: $ 150
??Utilities: $ 500
??Phone, cable, internet: $ 300????
??Food, entertainment: $ 1000
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481282
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 60 months Estimated loss: 4.95%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 13.35% Starting monthly payment: $333.67
 
Auction yield range: 6.23% - 11.00% Estimated loss impact: 5.13%  
Lender servicing fee: 1.00% Estimated return: 5.87%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1987 Debt/Income ratio: 15%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:13y 5m
Amount delinquent: $0 Total credit lines: 25 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $143,516Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: superchicken Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 8 ( 100% ) 780-799 (Latest)
Principal borrowed: $30,000.00< 31 days late: 0 ( 0% )  
820-839 (Aug-2009)
880-899 (Apr-2007)
860-879 (Feb-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
ATM Business
Purpose of loan:

Operating cash for my ATM business.

Expanding my business.


My financial situation:
I take home about $4400 a month with my full time job. I drive a company car.
I make about $5500 (average) a month?on my ATM business. (before taxes)
Total $9900 for both incomes.?
Total income with the new machines- 13000 to 14500 per month.

Paid off all past loans in less than 8 months. Plan to do the same this time. Don't let the credit score fool you. I'm using my credit to expand my business. 90% of the credit line is used to fill the ATM's with money. I started with 5, and now have 24. I'm buying 8 more. Income will be about 10000 a month gross.



Monthy
Mortgage/rent: $ 2200
Insurance: $ 200
Car expenses: $ 0
Utilities: $ 100
Phone, cable, internet: $100
Food, entertainment: $ 200
Clothing, household expenses $ 100
Credit cards and other loan payments: $ 0
Other expenses: $ 0
---------------------------------------
Total monthly expenses: $ 2900

My credit should say it all. Plan to pay it off in six months, but may go for a year or more if something else comes up. I've had?two loans before and paid off both early.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481288
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 18.29% Starting monthly payment: $207.99
 
Auction yield range: 13.71% - 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): 6 First credit line: Feb-1979 Debt/Income ratio: 15%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 11Length of status:20y 5m
Amount delinquent: $3,207 Total credit lines: 76 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $11,970Stated income:$75,000-$99,999
Delinquencies in last 7y: 14 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: rocket44 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 / 2 On-time: 27 ( 100% ) 640-659 (Latest)
Principal borrowed: $9,000.00< 31 days late: 0 ( 0% )  
600-619 (Nov-2007)
620-639 (Oct-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
refinance my auto
Purpose of loan:
This loan will be used to? refinance my auto

My financial situation:
I am a good candidate for this loan because? I have had two loans before with Prosper and always been on time, paid one loan off early.? I am currently paying $336 per month on this auto.?? I need to refinance, I need the extra $$ monthly

Monthly net income: $ 7200????

Monthly expenses: $
??Housing: $ 000
??Insurance: $ 125
??Car expenses: $336 (would be?be?reduced to?$200)?
??Utilities: $ 250
??Phone, cable, internet: $ 125
??Food, entertainment: $ 700
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 125
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481292
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jul-1989 Debt/Income ratio: Not calculated
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 39Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $370 
Delinquencies in last 7y: 16 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: finance-motion8 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying my bills ahead,
Purpose of loan:
This loan will be used to? pay bills,so i can get them ahead so i`ll have extra money to pay for books for 2nd semester for college and money for the holidays.

My financial situation:
I am a good candidate for this loan because? I`m only asking for an amount that is less than my net monthly amount,

Monthly net income: $ 2,522.41

Monthly expenses: $
??Housing: $ 670
??Insurance: $ 450
??Car expenses: $ 160
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481294
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55%  
   
 
Starting lender yield: 5.75% Starting borrower rate/APR: 6.75% / 7.09% Starting monthly payment: $153.81
 
Auction yield range: 2.71% - 5.75% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 4.20%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jan-2004 Debt/Income ratio: 14%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 22 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,852Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: Yes  
Screen name: wonderous-commerce2 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
Paper for Silver!
Purpose of loan:
I'm going to buy silver bullion with this loan. I have 100% confidence that silver prices are going up due to the "monetary easing" that Ben Bernanke said he was going to do recently. If price goes below 80% value I will sell off and take a 20% loss.

My financial situation:
I have a steady income at my employer. I have a sound budget and tithe freely to my church at least 10% monthly. I live within my means and do not over leverage myself. I have two cars that are paid for and then some! I do not need this loan to help me pay off other debts. Robert Kiyosaki teaches there are good debts and bad debts. I am taking out this loan because its a good debt. I'm investing it into precious metals because the price is on the way up and the dollar is on the way down.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481298
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 22.37% Starting monthly payment: $274.92
 
Auction yield range: 16.71% - 18.00% Estimated loss impact: 37.60%  
Lender servicing fee: 1.00% Estimated return: -19.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Mar-1984 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 8Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 40 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $207,542Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: leverage-serenity9 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
Working Capital for my business
Purpose of loan:
This loan will be used to?continue with my remodel/construction business. I am working on several projects and need some working capital to continue the work I love to do.?The loan will?help with working capital?to buy better equipment for my business. This will help in expanding?and the ability to handle more projects at the same time.?

My financial situation:
I am a good candidate for this loan because?I am?very responsible at paying my bills on time. I take very seriously the responsibility of owing the money and making sure my payments are done on time.
Monthly net income: $ 6,200

Monthly expenses:?
??Housing: $?2376
??Insurance: $ 124
??Car expenses: $ 397
??Utilities: $ 150
??Phone, cable, internet: $ 248
??Food, entertainment: $ 500
??Clothing, household expenses $ 300
??Credit cards and other loans: $?682
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481304
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,700.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $275.33
 
Auction yield range: 10.71% - 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: Jun-1990 Debt/Income ratio: 27%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:14y 1m
Amount delinquent: $0 Total credit lines: 15 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $43,341Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: neighborly-exchange598 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
consolidating three credit cards
Greetings,
This loan will be used to consolidate three credit cards and shave close to three percent off of my APR. The amount of my revolving debt, as listed by this site, is $30,000 too high. Likely this discrepancy is explained by a 20/80 home loan ? which in fairness exists, but I would still want to make the distinction to the lender, that the extra 30k is not from credit card debt. I have worked for the same employer for more than 14 yrs; I make 38,500 in annual income and an additional 5,000 in on-call wages. I am happy to provide any means of credit verification at the request of the lender. I appreciate your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481306
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,800.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $73.97
 
Auction yield range: 10.71% - 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: Sep-1992 Debt/Income ratio: 22%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:6y 4m
Amount delinquent: $0 Total credit lines: 25 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,141Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: neighborly-coin1 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
Bathtub has been broken for years!
Purpose of loan:
This loan will be used for home improvements?such as?install a new bathtub and fix my ceiling.?

My financial situation:
I am a good candidate for this loan because?I have a good repayment history.

Monthly net income: $3,700.00

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481312
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 15.23% Starting monthly payment: $132.86
 
Auction yield range: 10.71% - 11.00% Estimated loss impact: 11.03%  
Lender servicing fee: 1.00% Estimated return: -0.03%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Nov-1987 Debt/Income ratio: Not calculated
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 4Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 13 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,416Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: exact-dollar1 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my motorcycle
Purpose of loan:
This loan will be used to?
pay on my motorcycle so i can sell it
My financial situation:
I am a good candidate for this loan because?
i wont miss a payment and i pay more than minimum majority of the time
Monthly net income: $
1600
Monthly expenses: $
??Housing: $ 0
??Insurance: $?30
??Car expenses: $ 340
??Utilities: $ 0
??Phone, cable, internet: $ 40
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 270
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481316
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $284.99
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-2007 Debt/Income ratio: 17%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 0Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 3 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: gatherer572 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
Moving and going to school
Purpose of loan:
This loan will be used to help me and my fiance move and to finance a lawyer and help go to school.

My financial situation:
I am a good candidate for this loan because both me and my fiance have jobs,?pay bills, and can keep up with our money.?

Monthly net income: $
1400
Monthly expenses: $
??Housing: $ 380
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $60
??Food, entertainment: $50
??Clothing, household expenses $0
??Credit cards and other loans: $ 0
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481318
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 10.71% Starting borrower rate/APR: 11.71% / 14.94% Starting monthly payment: $165.38
 
Auction yield range: 10.71% - 10.71% Estimated loss impact: 11.02%  
Lender servicing fee: 1.00% Estimated return: -0.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1991 Debt/Income ratio: 43%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 3Employment status:Other
Now delinquent: 0 Current / open credit lines: 18 / 13Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 42Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,053 
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: a-basis-quest 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
Rental property
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 481322
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $113.09
 
Auction yield range: 16.71% - 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: Feb-1990 Debt/Income ratio: 28%
Credit score: 620-639 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 16 / 16Length of status:11y 5m
Amount delinquent: $7,045 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $17,132Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: drivensno Borrower's state: Michigan Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 17 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
560-579 (Aug-2007)
540-559 (Feb-2007)
540-559 (Feb-2007)
560-579 (Jan-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 17  
Description
Home Improvement for a cold home!
Purpose of loan:
This loan will be used to install energy-efficient base heaters in three very cold rooms and insulation to keep in the escaping heat. All improvements fall under an energy tax credit.
My financial situation:
I am a good candidate for this loan because?
???? I pay on time and I am in good standing with Prosper. I had and paid off a previous Prosper loan and was never late. I am current with my other financial obligations. I have recently paid off my judgment for one delinquent account, and working to remove the second delinquent, which is an error. My second income is from a work at home job that I have had for over three years that currently nets over $1200 a month on average.
Monthly net income: $ 3220

Monthly expenses: $
??Housing: $ 685
??Insurance: $ 140
??Car expenses: $ 460
??Utilities: $ 150
??Phone, cable, internet: $ 80
??Food, entertainment: $?150
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 750
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481324
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,225.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $236.36
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Jan-2004 Debt/Income ratio: Not calculated
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 29 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,535Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 101%  
   Homeownership: No  
Screen name: medstudent88 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a car to get to work
Purpose of loan:
This loan will be used to buy a car so that I can go to work as a pharmacy technician for CVS Pharmacy on a daily basis. The car is necessary because of the half hour commute to work.

My financial situation:
I am a good candidate for this loan because I am a graduate of NYU with degrees in Biology and Psychology. I am unable to provide W-2 because I only recently started employment with CVS Pharmacy. I will definitely be able to make my monthly payments of approximately $226.00. By June 2011 (approximately 7 months into the loan period), the personal loan will be repaid in FULL, as I am expecting a lump some cash gift. I will be starting medical school education at UMDNJ-School of Medicine starting August 2011. From now until my medical education begins, I will be living at home with my parents and have very little monthly expenses.

Monthly net income: $1,600

Monthly expenses: $ 800
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 150
??Utilities: $ 0
??Phone, cable, internet: $ 200
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481326
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.71% - 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: 15%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 3Length of status:2y 0m
Amount delinquent: $60 Total credit lines: 24 Occupation: Fireman
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: p2p-hammock Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off taxes owed
Purpose of loan:
This loan will be used to? pay off past due taxes owed for the years 2008 and 2009. I've made payment arrangements and have not defaulted on the monthly agreed amount.?But I?am eager to pay the amount owed off.
I fell into this situation because of a recent divorce that lead to delayed adjustments in my federal deductions and dependent amounts.
My financial situation:
I am a good candidate for this loan because?
I have taken a financial course and learned how to better control my credit score along with healthy spending practices.
Monthly net income: $ 3200

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 150
??Car expenses: $
??Utilities: $ 500
??Phone, cable, internet: $ 150
??Food, entertainment: $ 150
??Clothing, household expenses $ 150
??Credit cards and other loans: $75
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481328
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 60 months Estimated loss: 5.95%  
   
 
Starting lender yield: 16.90% Starting borrower rate/APR: 17.90% / 19.33% Starting monthly payment: $380.09
 
Auction yield range: 6.23% - 16.90% Estimated loss impact: 6.24%  
Lender servicing fee: 1.00% Estimated return: 10.66%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-1998 Debt/Income ratio: 26%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 16Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 35 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,685Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: exchange-raker1 Borrower's state: NewHampshire Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit card debt!!!
Purpose of loan:
Pay off those pesky credit cards! No matter how much extra I send the balance never goes away. Trying to get debt free for my boys and was looking for a solution offering a fixed term to get these gone!

My financial situation:
I am a married father of 2 young boys. My wife and I both have stable, secure jobs; she as a Patient Service Rep at a doctor's office and myself as a computer programmer analyst. We just recently became home?owners within the last year and that got us thinking?more and more about our longer term financial goals?for us and?our sons.?We are fully able to make all our current monthly obligations without issue however we just looking for a solution to our credit card debt where there is a finish line in site. We want to start building for our future and the future of our boys and with this never ending credit card payment it's difficult to get the plan going. Given that all other solutions would ask us to miss payments to get a better rate or damage our credit in some other way by settling our debt this seemed like a far better solution. I was raised as an honest person, I would never default or settle my debt. I created the debt I will pay the debt, but with a finish date that we can measure our progress against I can see us being much more able to plan a long term financial future for our family.

Monthly net income: $ 6550

Monthly expenses: $
??Housing: $ 1525
??Insurance: $ 188
??Car expenses: $ 585
??Utilities: $ 240
??Phone, cable, internet: $ 140
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 800
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481332
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,870.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55%  
   
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $89.94
 
Auction yield range: 2.71% - 7.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jun-1998 Debt/Income ratio: 4%
Credit score: 820-839 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $763Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: first-class-gold596 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need smaller vehicle to save on gas
Purpose of loan:
This loan will be used to? pay for a smaller vehicle.? I recently started a new job that requires above average driving time.? I currently have a full size truck that guzzles gas.? Therefore, purchasing a smaller vehicle will save me money in the long run. ????

My financial situation:
I am a good candidate for this loan because?I am a responsible individual.? My finances are very important to me, so I'm very organized and attentive to this aspect in my life.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481336
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.71% - 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: Feb-1994 Debt/Income ratio: 9%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 0 / 0Length of status:7y 8m
Amount delinquent: $4,788 Total credit lines: 7 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: trade-vibraphone5 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying land & and home improvement
Purpose of loan:
This loan will be used to?buy a some land?with a?small house that needs improvement.?

My financial situation:
I am a good candidate for this loan because? i dont have any other payments other than the house expenses which i share with my spouse.
Monthly net income: $ 5155

Monthly expenses: $???Housing: $ 1249
??Insurance: $ 150
??Car expenses: $ 280
??Utilities: $ 280
??Phone, cable, internet: $ 250
??Food, entertainment: $ 400
??Clothing, household expenses $?100
??Credit cards and other loans: $ 118
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481340
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,400.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.46% Starting monthly payment: $63.33
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-2007 Debt/Income ratio: 38%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 2 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,790Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: No  
Screen name: auction-waterfall 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
Credit Card Pay Off
Purpose of loan:
This loan will be used to paying off my credit card bill

My financial situation is stable
I am a good candidate for this loan because I pay all my bills as quickly as possible and will never miss a payment.

Monthly net income: $534.08

Monthly expenses:
??Housing: $0
??Insurance: $ 50
??Car expenses: $ 150
??Utilities: $ 0
??Phone, cable, internet: $75
??Food, entertainment: $50
??Clothing, household expenses $0
??Credit cards and other loans: $ varies
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481342
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,555.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 22.75% Starting borrower rate/APR: 23.75% / 27.22% Starting monthly payment: $217.21
 
Auction yield range: 10.71% - 22.75% Estimated loss impact: 10.36%  
Lender servicing fee: 1.00% Estimated return: 12.39%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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: Aug-1990 Debt/Income ratio: 12%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $11,554Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: dkgmommy Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 34 ( 94% ) 660-679 (Latest)
Principal borrowed: $5,000.00< 31 days late: 2 ( 6% )  
640-659 (Mar-2007)
700-719 (Feb-2007)
 
Principal balance: $0.03 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Single Mom needs to consolidate!
Purpose of loan:
OK, I'm trying this again.? I attempted to get a $7,500 loan, but it expired and when I tried again, it looked like it?wouldn't get funded for a second time.??Hopefully lowering the?amount will help.? I'm requesting $5,555?so that after the Prosper fees, I still have $5,000 left to pay off and consolidate?some bills.? I won't be able to pay them all off - I need $7,500 for that.? But, I will pay off the ones with the highest interest rates.? They will be:??Dell - balance $3105.70?@ 26.24%; Amazon.com - balance $663.55 @ 25.99%;?Target - balance $977.38?@ 22.99% and some of my Kohl's - balance $447.52?@ 21.9%.??I now make $13k more than I did 3 years ago when I took out a $5k Prosper loan and successfully paid it off this past May, but I have racked up some other debt over the years.? I am horrible about making only the minimum payments and now the credit card statements show you exactly how long it will take to pay off.? It will take me 7 years on some of my cards!? YIKES!? I am simply not disciplined enough to deal with it, so I would really like to get a consolidation loan with one payment and have it done in 3 years.??

I also very much want to improve my credit score, get rid of my debt and be ready to buy a house in 2 or 3 years.? I appreciate your consideration to help me meet my goal!

My financial situation:
I am a good candidate for this loan because I recently completed paying on a $5,000 Prosper loan in May 2010 and made good on my commitment.? I was only late on 2 payments and both of these occurences were due to switching bank accounts.? I have a steady job.? I have worked for Lilliput Children's Services since July 2007.? I am the Community Relations Coordinator and handle all aspects of marketing, public relations and fundraising.? My position is very secure and I just received my 5th raise since being there.? I absolutely love my job - we find adoptive homes for foster children.? Seriously, what could be more rewarding?? Lilliput actually completes the most foster adoptions of any private agency in the state of California.? Just a little tidbit for you!

Monthly net income: $3,000 (Lilliput) + $1,679 (child support) + $200 (child support) = $4,879

Monthly expenses: $
??Housing: $ 1,700
??Insurance/Medical expenses: $?150
??Car expenses: $?400
??Utilities: $?250
??Phone, cable, internet: $?200
??Food, entertainment: $?1,000
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 250
??Other expenses: $ 250 (school, activity, etc.)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481344
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.70%  
   
 
Starting lender yield: 7.71% Starting borrower rate/APR: 8.71% / 11.88% Starting monthly payment: $474.97
 
Auction yield range: 7.71% - 7.71% Estimated loss impact: 8.85%  
Lender servicing fee: 1.00% Estimated return: -1.14%  
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): 6 First credit line: Jul-1991 Debt/Income ratio: 6%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 10Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 17Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 54 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,318Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: Yes  
Screen name: listing-vista 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
expanding 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 481348
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Aug-2006 Debt/Income ratio: 679%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 3 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: clean-auction4 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
emergency expense
Purpose of loan:
This loan will be used to pay emergency expense

My financial situation:
I am a good candidate for this loan because i have good credit history. I also receive unemployment and looking for job. I live with my family so i have very little of expenses.

Monthly net income: $912

Monthly expenses: $660
??Housing: $0
??Insurance: $60
??Car expenses: $380
??Utilities: $0
??Phone, cable, internet: $70
??Food, entertainment: $100
??Clothing, household expenses $50
??Credit cards and other loans: $0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481358
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.71% - 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-1984 Debt/Income ratio: 151%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 18Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 31 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $47,186Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: No  
Screen name: the-currency-investor 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
Need help moving to a new job
Purpose of loan:
I need this to help me move to a new job.? I just landed a new job and need to move in less then 3 weeks.

A little about me: ? I just finished my MS degree in March and am finally getting a much better job.? I need to get a loan to help me move and provide a buffer.

My financial situation:
I am a good candidate for this loan because I have always paid my loans on time and I have a bright future!

Monthly net income: $ 2000

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 100
??Car expenses: $ 90 for gas to work ( car is paid for)
??Utilities: $ 120
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and student loans: $ 500
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481362
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,100.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 32.98% Starting monthly payment: $45.20
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1988 Debt/Income ratio: 14%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 14 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,600Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: ecstatic-p2ploan5 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
fixing the air conditioner in car
Purpose of loan:
This loan will be used to? fix air conditioner in my car

My financial situation:
I am a good candidate for this loan because? I will have no problems making the payments on time .

Monthly net income: $ 3100

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 49
??Car expenses: $ 312
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $?100
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 150
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481366
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $185.82
 
Auction yield range: 10.71% - 19.00% Estimated loss impact: 11.25%  
Lender servicing fee: 1.00% Estimated return: 7.75%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Apr-1985 Debt/Income ratio: 34%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 17Length of status:10y 10m
Amount delinquent: $0 Total credit lines: 44 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $44,708Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: finance-observatory9 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
Unexpected car repairs and dental w
Purpose of loan:
This loan will be used to? unexpected car repairs and dental work

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

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 481374
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 16.50% Starting borrower rate/APR: 17.50% / 20.84% Starting monthly payment: $269.27
 
Auction yield range: 10.71% - 16.50% Estimated loss impact: 11.18%  
Lender servicing fee: 1.00% Estimated return: 5.32%  
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): 5 First credit line: Jul-1996 Debt/Income ratio: 25%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 19 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,240Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: lele0501 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards fast!
Purpose of loan:
This loan will be used to pay off my credit carfd debt.

My financial situation:
I am a good candidate for this loan because I am not currently having ANY issues paying off my credit cards. i just would like them paid off more quickly with a lower interest rate. I plan to not use any more credit cards once they are paid off or during the pay off process.

Monthly net income: $
2450

Monthly expenses: $
??Housing: $?500?
??Insurance: $ 84
??Car expenses: $ 0
??Utilities: $0
??Phone, cable, internet: $ 84
??Food, entertainment: $ 400
??Clothing, household expenses $?200
??Credit cards and other loans: $ 400
??Other expenses: $ 550
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481382
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.25%  
   
 
Starting lender yield: 9.55% Starting borrower rate/APR: 10.55% / 14.12% Starting monthly payment: $48.79
 
Auction yield range: 3.71% - 9.55% Estimated loss impact: 3.28%  
Lender servicing fee: 1.00% Estimated return: 6.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Mar-1991 Debt/Income ratio: 11%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 12 Occupation: Food Service Manage...
Public records last 12m / 10y: 1/ 4 Revolving credit balance: $9,041Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: red-benefit-temple Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 8 ( 100% ) 740-759 (Latest)
Principal borrowed: $7,200.00< 31 days late: 0 ( 0% )  
720-739 (Apr-2010)
700-719 (Sep-2009)
 
Principal balance: $3,562.63 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Just a Safety measure
Purpose of loan:
This loan will be used?just in case.? I have a colonoscopy next month and I want to have something in case the new?world of health insurance steps in.? I do have coverage so if everything remains status quo, I will immediately?repay the?loan??

My financial situation:
I am a good candidate for this loan because I paid my first prosper loan back early and the second one will be repaid in full in 45 days.? This is so much easier than dealing with a bank.? Thank you prosper lenders!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481384
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
 
Auction yield range: 16.71% - 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: Jun-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:9y 3m
Amount delinquent: $0 Total credit lines: 17 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $41,183Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: No  
Screen name: prov1022 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
get bsmt apartment ready for renter
Purpose of loan:
This loan will be used to?update the w/o basement 1 bedroom appartment in my house to get it up to code and?accomidate a renter.??

My financial situation:I have a renter who wants to move into my walkout basement but I need to make some upgrades first. The rent will be $750 per month and I will put most of that toward the Prosper loan. And I have always paid all loans on time.


Monthly net income: $ 11000

Monthly expenses: $ 8000
??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 481386
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $308.20
 
Auction yield range: 10.71% - 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: Jul-1995 Debt/Income ratio: 57%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 11Length of status:26y 5m
Amount delinquent: $1,634 Total credit lines: 34 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,984Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: heartpounding-bazaar7 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 of some bills
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 481390
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,750.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $79.16
 
Auction yield range: 13.71% - 34.00% Estimated loss impact: 15.77%  
Lender servicing fee: 1.00% Estimated return: 18.23%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-1990 Debt/Income ratio: 29%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 8Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:5y 1m
Amount delinquent: $0 Total credit lines: 24 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,112Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: No  
Screen name: sunny-exchange4 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
NEED SOME DOUGH!!
Hi Im on prosper trying to get a loan to use for my credit card debt consolidation.Im a full time worker 40+ hour weekly.Ive been in my trade for 14 years Im a foreman for an electrical company I specialize in communication systems for new construction such as fire alarms,card access ,data /voice,security cameras etc.My monthly income is 4800.$
Im an active member of the community Im an martial arts insructor and currently hold the rank of third degree blackbelt. When im not working or having family time with my 5 year old son and wife Im at the school working on my fourth degree black belt, i have a company issued van and gas card.
my monthly bills:
rent 1150
truck 140
insurance 58
food 250
credit cards (help!!) 650
etc 200

Thanks for checking Me out and THANKS for bidding!!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481394
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-1996 Debt/Income ratio: 25%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 15 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,375Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: consummate-value0 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Re-modeling Family room, for sons
Purpose of loan:
This loan will be used to remodel our family room for our two sons now 4 and 2?years old?

My financial situation:
I am a good candidate for this loan because?because I have a?secure job with local government and have no delinquent credit history, I also won money on Wheel of Fortune and the check arrives Feb 1st 2011 but I want to surprise my family for Christmas?

Monthly net income: $ 2100 mine + 1600 spouse = $3700

Monthly expenses: $
??Housing: $ 841
??Insurance: $ 100
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $?400
??Clothing, household expenses $?300
??Credit cards and other loans: $?200
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481396
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,400.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70%  
   
 
Starting lender yield: 21.00% Starting borrower rate/APR: 22.00% / 25.43% Starting monthly payment: $129.85
 
Auction yield range: 7.71% - 21.00% Estimated loss impact: 9.19%  
Lender servicing fee: 1.00% Estimated return: 11.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-2002 Debt/Income ratio: 28%
Credit score: 820-839 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:9y 9m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $171Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: friendly-currency4 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
Surprise motorcycle for husband
Purpose of loan:
Purchase a motorcyle for my husband's 31st birthday.?

My financial situation:
We have never been late on?our mortgage,auto,or credit card payments.? I work at a bank, and was pre-approved through the bank with a 12.99% rate. The issue is that the bike must be a 2004 or newer,and the bike I'm looking at is a 2002.? I have worked at the bank for over 9 years. My husband has been at his job for 6 years. We make plenty of money to repay this small loan. We take our credit very seriously and have risen our scores significantly since we were young adults. We have only one credit card that we use for emergencies and it has a very small balance at the moment.

Monthly net income: $ 4200 approx. Combined Married Income

Monthly expenses: $
??Housing: $ 1304
??Insurance: $ 35
??Car expenses: $ 276
??Utilities: $ 200
??Phone, cable, internet: $ 120
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 30.00
??Other expenses: $ 320.00 for child care
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481400
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $298.20
 
Auction yield range: 16.71% - 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: Dec-1983 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $125,478Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: gentle-basis Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Please Watch My Video Loan Request
Purpose of loan:
Please copy and paste this link into your internet browser to watch my video.
http://www.screencast.com/t/6eJRATB1Pgt
I have included this video link? to help explain my request in further detail as well as providing insight to the world of Day Trading.
The loan will be used to:? Fund to re-establish my Day Trading account as well as produce and market a video instructional series on Trading stocks in general. . My account is now generally inactive due to the necessity of helping to pay for emergency medical treatments for a close family member.

My financial situation:
I am a good candidate for this loan because? My spouse and I have never been late on any of our financial obligations, own our own home which conservatively has 175k in equity even in the current housing market. With the re-establishment of my trading account we can easily meet all our financial obligations including this loan.





Monthly net income: $ 11,000 (includes spouse's salary as well as a small pension and assumes re-establishment of my trading account)

Monthly expenses: $
Housing: $2,200 (includes Ins and Taxes)
Food: $500
Other living exp: $880
Misc exp: $1,000
Revolving credit lines: $1,200 (although we plan on accelerating balance reduction by doubling this payment size)
Utilities: $360 (incl electric, heat, tel internet)
Cars: $515 (Payment and Ins)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481406
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
 
Auction yield range: 13.71% - 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: Jan-1989 Debt/Income ratio: 20%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 6Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 34 Occupation: Clerical
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $8,080Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: Good4UGood4Me Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 660-679 (Latest)
Principal borrowed: $4,300.00< 31 days late: 0 ( 0% )  
620-639 (May-2010)
580-599 (Apr-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Pay Off High Interest Loans/Taxes
Purpose of loan:
This loan will be used to pay off the following items:
$2500 Cash Call @70% interest.? Although I pay more than the required $ monthly, the ridiculous interest rate is killing me.? I'm ahead of schedule to pay this loan off.
$2400 Dell Computers @ 30% interest.? Used to buy computers and home electronics - I'm hoping to get enough interest in my listing to get a lower rate.
$2600 to State of Utah.? I have tax liens on my credit due to joint taxes with my ex-husband.? He doesn't have a good track record for paying off accounts or having steady income.? Although we lived in Nevada during the disputed periods, Utah is insisting that we pay them on income made in Nevada because we owned property in the state.? We've tried to fight the liens but the process has been lengthy and I don't see a quick resolution - I would like to cut my ties to this and put it behind me - it's an issue of picking and choosing my battles.? It is affecting my credit score to a large extent.? I?know it's costing me money in interest by having a lower credit score than I should have.

My financial situation:
I am a good candidate for this loan because I am a very responsible person who takes my credit seriously.? I have not had a late payment since 2003 when I applied for BK due to my ex-husband's loss of employment and the fact that I had co-signed various loans for him - I couldn't pay for both of us and start my life over again at the time.? I have steady employment and have worked for the same employer for the last 5+ years.? I'm a legal secretary working for attorneys in the Business and Real Estate areas.? I have previous work history that also reflects employment for long periods of time - I'm very stable.? I'm married and my husband has excellent credit but we keep our expenses separate (I learned from my last experience).? I would not ask him to help me with these loans - my income is mine, my debts are mine.? That's how we like to keep it.? Less arguments and happier home that way.

Monthly net income: $ 3,850 but I am due a raise this month and I have never received lower than the maximum which has been 3-4% of the annual income (currently $67,200).

Monthly expenses: $
??Housing: $ 0.00 - it's my husband's home and he pays for it
??Insurance: $ 150.00
??Car expenses: $ 0.00 - I drive my husband's second vehicle, which is paid off
??Utilities: $ 350.00 - I pay for our utilities since my husband?pays for the home
??Phone, cable, internet: $ 60.00 for cell phone
??Food, entertainment: $?400.00
??Clothing, household expenses $150.00
??Credit cards and other loans: $?850.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481420
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $308.20
 
Auction yield range: 10.71% - 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: Aug-1991 Debt/Income ratio: 25%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 41 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,154Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: commanding-loan1 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
working capital for business
Purpose of loan:
This loan will be used to infuse capital into my business.? I have owned this business since 2003, and after some time on other projects, I am ready to devote more time here.?

My financial situation:
I am a good candidate for this loan because I take my credit and my business seriously and have the ability to keep current on the payments.? As you can see, I have no delinquencies.?

Monthly net income: $ 9000.00

Monthly expenses: $
??Housing: $ 880
??Insurance: $ 40
??Car expenses: $ 0
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 600
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 540
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481422
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $298.20
 
Auction yield range: 13.71% - 24.00% Estimated loss impact: 15.28%  
Lender servicing fee: 1.00% Estimated return: 8.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1995 Debt/Income ratio: 5%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 27 Occupation: Investor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,161Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: newest-meteoric-responsibility Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debt from baby's birth
Purpose of loan:
I'll be paying off the debt that I accrued when my first baby was born in June of this year. ?

My financial situation:
I am a good candidate for this loan because I have a guaranteed cash bonuses in February/May 2011 of $250,000 (documentation available).

Monthly net income: $11,000

Monthly expenses: $6,700
??Housing: $2,300
??Insurance: $300
??Car expenses: $600
??Utilities: $200
??Phone, cable, internet: $200
??Food, entertainment: $500
??Clothing, household expenses $300
??Credit cards and other loans: $300
??Other expenses: $2000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481440
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,200.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 12.00% Starting borrower rate/APR: 13.00% / 17.58% Starting monthly payment: $40.43
 
Auction yield range: 10.71% - 12.00% Estimated loss impact: 11.06%  
Lender servicing fee: 1.00% Estimated return: 0.94%  
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): 8 First credit line: Aug-2006 Debt/Income ratio: 7%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 4 Occupation: Student - College S...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $897Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: orange-point-chuckler Borrower's state: DistrictOfColumbia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Finishing College Education
Purpose of loan:
This loan will be used to? Pay off my balance for schooling this semester. I need assistance because this is more money than I can attain in a short amount of time. I want to be able to better myself off and this would help tremendously.

My financial situation:
I am a good candidate for this loan because? I am a trustworthy individual who will ensure that you would get paid for assisting me with my education. Besides student loans and one credit card, I have no other obligations. I ensure that my credit card gets more than the monthly payment in order to keep my APR reasonable and pay off that portion of my debt. I am very good at managing money and there would be no excuse as to why I wouldnt be able to pay you as well.

Monthly net income: $ 800

Monthly expenses: $ 20
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 20
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481444
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $322.67
 
Auction yield range: 5.71% - 9.00% Estimated loss impact: 6.09%  
Lender servicing fee: 1.00% Estimated return: 2.91%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1995 Debt/Income ratio: 11%
Credit score: 800-819 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 13 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,083Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: a-admirable-economy Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off high interest CC
Purpose of loan:
This loan will be used to pay off high interest credit card debt.

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

Monthly net income: $ 5402.04

Monthly expenses: $
??Housing: $ 2754.00 ????
??Insurance: $ 50.00
??Car expenses: $ 100.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 80.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 600.00
??Other expenses: $ 50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481468
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,800.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 18.99% Starting borrower rate/APR: 19.99% / 23.38% Starting monthly payment: $66.89
 
Auction yield range: 10.71% - 18.99% Estimated loss impact: 10.25%  
Lender servicing fee: 1.00% Estimated return: 8.74%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-1999 Debt/Income ratio: 5%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:14y 4m
Amount delinquent: $0 Total credit lines: 22 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,585Stated income:$50,000-$74,999
Delinquencies in last 7y: 15 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: big33guns Borrower's state: Montana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 33 ( 100% ) 700-719 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
540-559 (Dec-2007)
 
Principal balance: $126.32 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
Paying off high int. credit cards
Purpose of loan:
This loan will be used to? pay off 3 of my high interest credit cards

My financial situation:
I am a good candidate for this loan because?I am making improvements on my credit report yearly and have learned from past mistakes?

Monthly net income: $ 2840.00

Monthly expenses: $
??Housing: $967.00
??Insurance: $123.00
??Car expenses: $
??Utilities: $130.00?
??Phone, cable, internet: $276.00
??Food, entertainment: $200.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $145.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481474
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,250.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $90.35
 
Auction yield range: 10.71% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jun-1986 Debt/Income ratio: 22%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:4y 9m
Amount delinquent: $0 Total credit lines: 41Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,553 
Delinquencies in last 7y: 18 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: Cherio 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 / 3 On-time: 50 ( 85% ) 700-719 (Latest)
Principal borrowed: $8,400.00< 31 days late: 9 ( 15% )  
660-679 (Jan-2010)
640-659 (Dec-2009)
660-679 (Jan-2008)
600-619 (Nov-2007)
 
Principal balance: $1,019.95 31+ days late: 0 ( 0% )
Total payments billed: 59  
Description
PAY OFF MY CREDIT CARDS :)
Purpose of loan:
This loan will be used to? Payoff my credit cards.

My financial situation:
I am a good candidate for this loan because?I have a steady income.? I have been working so hard to payoff all of my bills since my divorce in 2007.? Last month I paid off 3 credit cards and have built a savings account.? I have been paying extra amounts on all of my credit cards.? I have increased my credit score by over 20 points.? I would like?to consolidate my remaining cards into one payment.? Thank you for considering this loan request.?

Monthly net income: $ 3600. (Mine only not spouses)
Monthly expenses: $ $2250.
??Housing: $ 1200 (Husband pays)
??Insurance: $ 350 (Husband pays)
??Car expenses: $500.?
??Utilities: $350
??Phone, cable, internet: $ 200.
??Food, entertainment: $ 300.
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500.
??Other expenses: $ 200.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481480
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70%  
   
 
Starting lender yield: 7.71% Starting borrower rate/APR: 8.71% / 11.88% Starting monthly payment: $237.49
 
Auction yield range: 7.71% - 7.71% Estimated loss impact: 8.85%  
Lender servicing fee: 1.00% Estimated return: -1.14%  
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): 6 First credit line: Jul-2000 Debt/Income ratio: Not calculated
Credit score: 820-839 (Oct-2010) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 27Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,348 
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: Yes  
Screen name: cordial-market75 Borrower's state: Montana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Funding For School
Purpose of loan:
This loan will be used to?pay for a trucking school which I will attend and after completion I will be running my own trucking company hauling grain and cattle locally.? I am taking this school as a refresher for local and federal laws.??After completion of this class I will have my CDL and will be off doing business.? The reason for the unemployment was due to a severe?farming accident where I was severely injured and took the last 5 years of intense rehab to get back to?where I can?work again.?

My financial situation:
I am a good candidate for this loan because?I own nearly everything except my house and have never missed or been late on any money I have borrowed in my lifetime.??I have a family a 3?year old son and a wife of 5 years.? My wife is a Registered Nurse?in the ICU at the hospital.? Her income alone is more than enough to pay our bills but now that I am released to work I wanna get out an start supporting my family.? We have around 30 head?of cows which calf each year for an annual income of around 15,000/year.? We also have about 900 ac. that about 300 ac. are in CRP which we get payments on yearly.?? This loan will be paid off long before the 3 years I just need some quick cash to pay for this 5 week trucking school.

Monthly net income: $ 3200

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 481486
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.80%  
   
 
Starting lender yield: 22.75% Starting borrower rate/APR: 23.75% / 27.22% Starting monthly payment: $273.71
 
Auction yield range: 10.71% - 22.75% Estimated loss impact: 10.36%  
Lender servicing fee: 1.00% Estimated return: 12.39%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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: Sep-2005 Debt/Income ratio: 23%
Credit score: 620-639 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 21 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,718Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: No  
Screen name: armyprincess68 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: 11 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
660-679 (Oct-2009)
640-659 (Aug-2009)
 
Principal balance: $560.68 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
moving loans and school debt
Purpose of loan:
This loan will be used to pay off moving expenseses and credit card bills mostly from books for school.The military pays for you to move from duty station to duty however they do not pay for your expenses if you move during your current duty station. I had to move after my roomate was reassigned and it cost me a pretty penny. I am trying to pay off my credit cards from that and money used to pay for books for school.

My financial situation:
I am a good candidate for this loan because I ALWAYS pay? my bills, and pay them on time. I recently barrowed 3500 and have paid all but $560.I would like to pay off my credit cars and just have one monthly payment to make life easier.again as you can see I pay my bills and? I pay them on time. My credit score has dropped recently as my credit cards have been maxed out or are very close to it I am working on paying them off but one payment would be a lot easier to manage.

Monthly net income: $ 3800.00 monthly

Monthly expenses: $
??Housing: $ 700.00
??Insurance: $ 150.00
??Car expenses: $ 250.00
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $350 .00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481504
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $301.18
 
Auction yield range: 10.71% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jun-1997 Debt/Income ratio: 15%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:24y 0m
Amount delinquent: $0 Total credit lines: 21 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,716Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: thisbucksforu Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 31 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
660-679 (Jan-2010)
680-699 (Jul-2009)
660-679 (Feb-2008)
 
Principal balance: $1,566.27 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
100% prosper repayment 3rd loan
Purpose of loan:
This loan will be used to? pay off 2 credit cards that total 7,000.00
these cards were just increased to 25%
My financial situation:
I am a good candidate for this loan because? 2 loans with prosper. 100% on time payments. automatic loan withdrawls
43 funded loans as a lender with 2 loans pending. I am done with banks and want you to help me out. Three rental properties with 1200.00 monthly income
Monthly net income approx 4300.00
Monthly expenses: $
??Housing: $ 408.00
??Insurance: $ 200
??Car expenses: $ 500
??Utilities: $ 175
??Phone, cable, internet: $ 180
??Food, entertainment: $ 100Clothing, household expenses $ 150.00
??Credit cards and other loans: $
??Other expenses: $625.00 for rental payments and 500 per year in insurance. 1200.00 for rental taxes?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 419731
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $271.14
 
Auction yield range: 16.71% - 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: Sep-1986 Debt/Income ratio: Not calculated
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 12Length of status:0y 0m
Amount delinquent: $7,871 Total credit lines: 39 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $12,694Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: hcoop2 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: 33 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,999.00< 31 days late: 0 ( 0% )  
640-659 (Dec-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
Cash for College
Purpose of loan:
This loan will be used to supplement govt. funded college tuition costs for a master's degree in Public Health.

My financial situation:
I'm a great candidate for this loan because as a? former Prosper borrower, my re-payment performance has been stellar, with no defaults, paid off my first Prosper loan ahead of schedule and I have fairly good credit.

Monthly net income: $ 5200.00

Monthly expenses: $
??Housing: $ 1800.00
??Insurance: $ 0.00
??Car expenses: $ 0.00
??Utilities: $ 120.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 200.00?
??Credit cards and other loans: $ 200.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441693
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $298.20
 
Auction yield range: 16.71% - 24.00% Estimated loss impact: 37.98%  
Lender servicing fee: 1.00% Estimated return: -13.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1998 Debt/Income ratio: 39%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 7 / 6Length of status:12y 4m
Amount delinquent: $1,255 Total credit lines: 21 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: planet567 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
Pay Off Bills/Credit Cards
Purpose of loan:
This loan will be used to strictly pay off bills and credit cards

My financial situation:
I am a good candidate for this loan because I am person who's husband was in a bad car accident and has been waiting on diabiltity for 3 years and still waiting for the disability approval.? It is a long and teadious process.? Since my husband accident, everything has fallen on me( paying the bills/credit cards, maintenance of the car, up keep of the house, and etc.)? I am a person who likes to pay thier bills on time and keep their bill ahead.? All I want is a chance to pay off all these bills/credit cards and just have one major loan payment and to get back on track.? Right now it seems that I am living from check to check, just working to pay bills and I just want the opportunity to get our lives back on track.? Thank you
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 464643
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $134.61
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-1984 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:12y 4m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,107Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: velocity-sitar 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
8Upgrading my dog boarding facility
Purpose of loan:
This loan will be used to?enlarge and upgrade?the?dog boarding facility?I began last year. It has been far more successful than?expected, even in the sagging economy. I want to attract more clients so I plan to use the funds to purchase more dog-related items, building supplies, marketing improvements. ?

My financial situation:
I am a good candidate for this loan because?I have?a good credit standing and am deeply committed to making my business highly profitable.?

Monthly net income: $750?





Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474067
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,300.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 34.67% Starting monthly payment: $55.19
 
Auction yield range: 16.71% - 29.00% Estimated loss impact: 25.69%  
Lender servicing fee: 1.00% Estimated return: 3.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jan-1995 Debt/Income ratio: 41%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 25 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,517Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 71%  
   Homeownership: Yes  
Screen name: shiny-hope Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 11 ( 100% ) 740-759 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
800-819 (Aug-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to?
consolidate three small bills into one,which will save me about $200.00 a month.
My financial situation:
I am a good candidate for this loan because?
I have excellent credit, and zero late payments on my credit history. My last prosper loan was paid off in 11 months without any late payments. Loans are very hard to get, and prosper is my best chance. My job is very secure. The loan amount is small so it has a better chance of funding. Thank you for reading my description, and considering me.
heMonthly net income: $
My monthly income is around $3,200 depending on how much overtime I work. Most of the household bills are split with my wife, how also works full time.
Monthly expenses: $
??Housing: $ 950
??Insurance: $ 175
??Car expenses: $400
??Utilities: $ 100
??Phone, cable, internet: $?200
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 480059
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55%  
   
 
Starting lender yield: 4.00% Starting borrower rate/APR: 5.00% / 5.33% Starting monthly payment: $119.88
 
Auction yield range: 2.71% - 4.00% Estimated loss impact: 1.54%  
Lender servicing fee: 1.00% Estimated return: 2.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Mar-1997 Debt/Income ratio: 8%
Credit score: 840-859 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:9y 0m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,317Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: Yes  
Screen name: income-mushroom Borrower's state: NewHampshire Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
New roof for winter
Purpose of loan:
I had a new roof put on the house to rent out our third floor. Now it is rented, but I need?to "buy" a?few months to pay off the cost of the job.
My financial situation:
I have very little outstanding credit debt.?My family lives within our means. I'm not willing to pay too much interest on this loan, but it is a solid place for your money for a few month?because it will be paid back soon.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 480741
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-2004 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $619Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: desbynac Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 28 ( 100% ) 680-699 (Latest)
Principal borrowed: $6,500.00< 31 days late: 0 ( 0% )  
680-699 (Sep-2010)
640-659 (Jan-2010)
640-659 (Dec-2009)
620-639 (Jun-2008)
 
Principal balance: $1,693.93 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
consolidate small business
Purpose of loan:
This loan will be used to? finish my paint boot

My financial situation:
?My 1st loan was canceled due to address change,2nd one cause i'm self employed since 2008 and my profile haven't been changed. wednesday i sent new documents to prosper and this 3rd listing is under self employed.?the way things are working for me ,i don't think i need to go?back working $9/h?to keep paying?for these loans.??

Monthly net income: $ 2500

Monthly expenses: $ 1400????????
??Housing: $ 0????
??Insurance: $ 120
??Car expenses: $ 100
??Utilities: $ 184
??Phone, cable, internet: $ 80
??Food, entertainment: $ 250
??Clothing, household expenses $ 170
??Credit cards and other loans: $ 350
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 480843
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.71% - 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: May-1998 Debt/Income ratio: 44%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:9y 1m
Amount delinquent: $1,232 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,246Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: top-lovely-agreement 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
Getting it together
Purpose of loan:
This loan will be used to?payoff two of my credit cards and get?me back on track monthly.? ?

My financial situation:
Trying to get back on a budget, I got detoured alittle these last few months, my roommate was arrested in August for DWI and sent to jail, so while waiting to see how long he was going to be in, 2 months went by and 2 months of me covering his half of the rent and needless to say, it has messed me up financially; I have recently moved in with a relative and pay no rent, so?with 2000 I could get back on track and would be able to repay this loan in less than the 36 month term.
Monthly net income: $ 1800

Monthly expenses: $
??Housing: $ 0 (live with relative)
??Insurance: $ 80
? Car expenses: $500
??Utilities: $
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $?250
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 480987
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $92.91
 
Auction yield range: 16.71% - 19.00% Estimated loss impact: 25.06%  
Lender servicing fee: 1.00% Estimated return: -6.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Feb-1976 Debt/Income ratio: 27%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 3Employment status:Other
Now delinquent: 1 Current / open credit lines: 15 / 12Length of status:4y 9m
Amount delinquent: $6,800 Total credit lines: 38Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,867 
Delinquencies in last 7y: 2 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: wellingtons Borrower's state: Indiana Borrower's group: Fix your credit, then get a loan.
Credit and homeownership information was obtained 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: 32 ( 100% ) 740-759 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
760-779 (Aug-2010)
780-799 (Jan-2010)
780-799 (Nov-2009)
760-779 (Sep-2009)
 
Principal balance: $2,011.97 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
Pay off small annoying debts
Purpose of loan:
This loan will be used to consolidate smaller loans?

My financial situation:
I am a good candidate for this loan because I have had three prior loans with Prosper; the last loan was repaid in advance.? All payments were made timely. There was?never a?missed payment. My credit report contains disputed negative factors which do not do me?justice. I? have been trying unsuccesssfully, for almost three years to have the?errors removed. At this point I am unwilling to pay $500? to have corrective measures taken.??????????????????????????????? .?

Monthly net income: $ 4500

Monthly expenses: $2196
??Housing: $800
??Insurance: $66
??Car expenses: $375
??Utilities: $ 125
??Phone, cable, internet: $110
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 420
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481033
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.71% - 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: Feb-1999 Debt/Income ratio: 54%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 21Length of status:8y 6m
Amount delinquent: $0 Total credit lines: 53 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,158Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: Yes  
Screen name: joyous-bonus 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
Hardwood Flooring in house.
Purpose of loan:
To put hardwood flooring through out the house.
My financial situation:
I am a good candidate for this loan because?
I make all my payments on time/
Monthly net income: $
My income 2000
My Husbands 3000????
Monthly expenses: $
??Housing: $ 1360.00????
??Insurance: $ 110
??Car expenses: $509
??Utilities: $ 222
??Phone, cable, internet: $125?????
??Food, entertainment: $ 400????
??Clothing, household expenses $
??Credit cards and other loans: $?250????
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481037
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,750.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95%  
   
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $398.17
 
Auction yield range: 5.71% - 12.40% Estimated loss impact: 5.16%  
Lender servicing fee: 1.00% Estimated return: 7.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1991 Debt/Income ratio: 20%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:19y 10m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,515Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: Lend2006 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 90% ) 760-779 (Latest)
Principal borrowed: $7,850.00< 31 days late: 1 ( 10% )  
640-659 (Dec-2009)
660-679 (Jul-2009)
680-699 (Apr-2009)
 
Principal balance: $6,283.90 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Pay Prosper & Reduce Unsecured Debt
Purpose of loan:
This loan will be used to pay my current Prosper loan and to continue to pay down other unsecured debt, and at a substantially lower interest rate. I am still responsible for all of my father?s financial affairs, and have successfully submitted Medicaid and VA Pension paperwork for him; we are currently waiting for me to be accepted as his Fiduciary/Payee. I truly believe that my positive financial improvement in the past 11 months was due to having received my Prosper Loan. Thank you.

My financial situation:
I am an excellent candidate for this loan because I am a 12 month employee of my school district, have excellent medical benefits, am continuing to grow my consulting business with local charter schools, and have a proven payment history with Prosper. The one <31 day late payment (payment 1) was due to an account number change made by my credit union (Arrowhead Credit Union) between the time that the loan was funded to when the first payment was drawn. This was corrected quickly with the help of the Prosper Customer Service department, and every payment since has been successful.

Monthly net income: $2684.27, reduced due to the mandatory 5 furlough days (2010/11 school year) being docked from our monthly pay. An additional $425+ is from my consulting and is primarily dedicated to paying my Prosper loan.

Monthly expenses: $No change from 12 months ago.
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $All net monthly salary is spent but I also have pretax deduction going to my 457b, 403b, ROTH 403b, CalPERS, and my FSA.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481109
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Mar-2001 Debt/Income ratio: 13%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 20 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $390Stated income:$25,000-$49,999
Delinquencies in last 7y: 16 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: exchanger383 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
For the Wedding she deserves.
Purpose of loan:
This loan will be used to cover the cost of my upcoming wedding. The money will be use to pay for the reception and for the pictures everything else was paid in cash by me so I need the extra cash, and at the same time I don?t want to use all the cash reserves unless I really need too .I believe I?m a great borrow because I have a low Dti ratio and I been making all my payments on time for the past couple years without any late payment. In the past I was very irresponsible about my credit I was not educated how credit worked .But now I learned from my mistakes and I realize that credit is one of the most important think in life and I been showing that my mistake was corrected

My financial situation:
I have a very stable job. I work in the medical field as a pharmacist tech for a company that has been in business more then 30 years. I work for a long term pharmacy we supply all the nursing home with medications 365/24 for approximate 8000 patient on a daily basis.I would like to also explain, my previous credit situation from the past. My delinquencies happen because of misunderstanding between me and my student loan creditor. I was suppose to be in forbearance period while I attended school, but I found out later while attending summer classes that by only taking 2 summer classes it was not consider full time and I was unaware of this until was to late. Bottom line is that I was responsible to check the agreement contract and I failed to do so I that time. I was a college student a bit na?ve and I didn?t realize how important was to maintain good credit. I realize I made a mistake and I quickly took action and solve the problem as soon as I was aware of the mistake. I learned from that mistake and I made a priority to make sure that won?t happen again, because I realize how important it is to keep a good credit history and I been showing that but making sure I make my monthly payments on time and being finically responsible. Please help fund my loan and if you guys have any question for me regarding my posting please feel free to ask. Thank you very much,


Monthly net income:3120 $

Monthly expenses: $
Housing: $ 0 (no mortgage fully owned)
Insurance: $ 70
Car expenses: $ 150
Utilities: $ 30/month
Phone, cable, internet: $ 30
Food, entertainment: $ 150
Clothing, household expenses $ 50
Credit cards and other loans: $15
Other expenses: $ 50
Student loans payment: $110/month
Missionary work sponsor: $50/month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481115
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $314.08
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-2006 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 17 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,688Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: No  
Screen name: integrity-wind 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
Home Health Biz Legal + Webdesign $
Purpose of loan:
I am the Founder of EZUltrasound LLC and this loan will be used for $2000 in legal consulting & research fees to ensure we are complying with all FDA & state regulations governing the sale of prescription-only medical devices. We'd like to grow into the market of professional ultrasound machines to complement our home ultrasound devices for pain relief. The remaining $5000 will be used for a custom web design for our site www.EZUltrasound.com. Surveys state that 65% of Internet users won't patronize a poorly designed site, so an updated look will be a great investment for our business.

My financial situation:
I am a good candidate for this loan because I have a solid credit record, have never missed a credit payment nor ever incurred any interest on my credit cards (paying in full each month).

The home rehabilitation & health care industries are expanding rapidly right now and my business, EZUltrasound LLC, is poised for rapid growth! The home ultrasound therapy machines that our business supplies are on the cutting-edge, marketing to the rising-trend of self-aware Americans taking their personal health care and well-being into their own hands.

I have a more detailed pitch & information prepared - ask a question about it & I'll be able to post it!

Monthly net income: $4,500-5,500

Monthly expenses: $1771.77
??Housing: $500
??Insurance: $260.58
??Car expenses: $241.19
??Utilities: $0
??Phone, cable, internet: $55.00
??Food, entertainment: $450
??Clothing, household expenses $100 ????
??Credit cards and other loans: $65 (student loans from federal government)
??Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481139
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 23.72% Starting monthly payment: $36.15
 
Auction yield range: 16.71% - 17.00% Estimated loss impact: 19.24%  
Lender servicing fee: 1.00% Estimated return: -2.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 20 / 20Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 33 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $46,329Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: top-virtuous-payout 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
Testing out Prosper
Purpose of loan:
This loan will be used to? test out Prosper . My?ultimate goal is to become a Lender on Prosper, but since I am new to this site I thought I would start out with a small loan to "test the waters" and see how the system works from a borrowers standpoint. Any money that I receive through this loan process will go back into my checking account to "repay" this loan.

My financial situation:
I am a good candidate for this loan because? I have been in this business for over 5 years and have the ability to repay this loan with no problem. As I stated earlier, my ultimate goal here is to eventually become a lender here.

Monthly net income: $6000.00

Monthly expenses: $
??Housing: $ 1200.00
??Insurance: $400.00
??Car expenses: $350.00
??Utilities: $600.00
??Phone, cable, internet: $165.00
??Food, entertainment: varies
??Clothing, household expenses?$200.00?
??Credit cards and other loans: $600.00
??Other expenses: $300.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481145
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.30%  
   
 
Starting lender yield: 6.65% Starting borrower rate/APR: 7.65% / 7.99% Starting monthly payment: $140.29
 
Auction yield range: 2.71% - 6.65% Estimated loss impact: 1.30%  
Lender servicing fee: 1.00% Estimated return: 5.35%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Nov-1994 Debt/Income ratio: 15%
Credit score: 840-859 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:7y 9m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,539Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: Yes  
Screen name: shannabeast Borrower's state: Delaware Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 43 ( 100% ) 840-859 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
720-739 (Jul-2009)
720-739 (May-2008)
 
Principal balance: $659.87 31+ days late: 0 ( 0% )
Total payments billed: 43  
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate debt

My financial situation:
I am a good candidate for this loan because i have a full time job
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481147
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 36.00% / 42.39% Starting monthly payment: $45.80
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Apr-1996 Debt/Income ratio: 3%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 4 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: bold-undaunted-payout 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
Pay off Bills
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 481151
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Mar-1984 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 5Length of status:10y 11m
Amount delinquent: $0 Total credit lines: 41 Occupation: Landscaping
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,213Stated income:$50,000-$74,999
Delinquencies in last 7y: 12 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: phoenix08 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
Rebuilding credit
Purpose of loan:
This loan will be used to pay off higher interest debt.
My financial situation:
I am a good candidate for this loan because I have to pay it back.? Since I did a Chapter 7 bankrupcy in 2008, I can't file again for 5 more?years.? Any new debt I incur now I have to pay back.?Any other listing on this site, from AA to HR?can file for Bankrupcy and you won't get any money back.
Monthly net income: $ 3250.00 - $3,750.00

Monthly expenses: $ 2,400.00
??Housing: $? 750.00
??Insurance: $??250.00 (vehicle, home, and business)
??Car expenses: $??100.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 175.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $ 550.00? ($450.00 is for vehicles)
??Other expenses: $ 50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481163
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.71% - 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: Jun-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,267Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 181%  
   Homeownership: No  
Screen name: Espana 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
Foundation Repair Loan
Purpose of loan:
This loan will be used to fund the cost of foundation repair to our home.

My financial situation:
I am a good candidate for this loan because I make $1000/mo babysitting for a local couple's two children and have only one credit card?balance of roughly $1300 as my only debt.? While my plan was to pay off my credit card balance in the next two months, we just found out we have $5000 worth of foundation damage to our home and need to repair quickly so it does not get worse.? My husband is funding the majority of the repairs and I am hoping to complete this loan for the remaining $2000.? I can easily carry the $90 payment for this loan.?

Monthly net income: $1000

Monthly expenses: $?

Credit cards and other loans: $100

I have no other expenses as my husband's income covers all our our regular monthly expenses.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481169
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-2003 Debt/Income ratio: 36%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 12 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,691Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: capital-handshake 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
Personal Loan for moving expenses.
Purpose of loan:
This loan will be used to assist in moving expenses and setting up a household for my wife who has accepted a senior position?at a firm?in Washington D.C.?with a salary of 90,000/year plus bonuses.

My financial situation:
I am a good candidate for this loan because starting 1 Nov 2010 My wife and I will have a combined salary of 136,668 anually with significantly less expenses.? The following sections are based on projected numbers starting 1 Nov.

Monthly net income: $ 11389

Monthly expenses: $
??Housing: $ 2300
??Insurance: $?250
??Car expenses: $ 1000
??Utilities: $ 400
??Phone, cable, internet: $ 300
??Food, entertainment: $ 1000
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 120
??Other expenses: Daycare - $1500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481175
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 14.75% Starting borrower rate/APR: 15.75% / 19.44% Starting monthly payment: $52.55
 
Auction yield range: 10.71% - 14.75% Estimated loss impact: 10.13%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1998 Debt/Income ratio: 47%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 12 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,360Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: No  
Screen name: champ95 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 2 ( 100% ) 700-719 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
700-719 (Jul-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 2  
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off credit cards.? I got a small Prosper loan to see how it worked and I was pleased so I paid it off in order to get a larger loan through Prosper.

My financial situation:
I am a good candidate for this loan because I can pay it back.? I am married so I have 2 incomes, not just mine.

Monthly net income: $ 3000 between my husband and I.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481183
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 10.71% Starting borrower rate/APR: 11.71% / 14.94% Starting monthly payment: $165.38
 
Auction yield range: 10.71% - 10.71% Estimated loss impact: 10.02%  
Lender servicing fee: 1.00% Estimated return: 0.69%  
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): 8 First credit line: Mar-2000 Debt/Income ratio: 16%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,197Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: creative-felicity Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 2 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
680-699 (Apr-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 2  
Description
quick down payment for new car
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481193
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 13.71% Starting borrower rate/APR: 14.71% / 18.00% Starting monthly payment: $258.93
 
Auction yield range: 13.71% - 13.71% Estimated loss impact: 14.79%  
Lender servicing fee: 1.00% Estimated return: -1.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-1999 Debt/Income ratio: Not calculated
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 2Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 2 / 1Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 11Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $15 
Delinquencies in last 7y: 8 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: KellyinCollege 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
Student Loan for Adult Student
Purpose of loan:
Hi, thanks for considering me!? This loan will be used to fund my education at DePaul University in Chicago.? I attend year-round and take the maximum amount of classes allowed each quarter, so my tuition bill is higher than most.? My annual tuition is approximately $37,000.? I don't have the best family and was forced to drop out of UIC after my sophomore year in 2001.? They've never supported my dreams of attending college, but I'm finally getting the opportunity to finish my Bachelor's Degree in Marketing at DePaul University.? I had a great career in B2B sales before leaving to go back to school full-time and can resume my career promptly when I graduate in?June 2012.?

My financial situation:
I do have a 7 year old bankruptcy on my credit report which was caused by my parents,?but I've worked hard to prove myself as a good credit risk.? I also have a cosigner with a credit score of 800 should anyone be willing to extend a loan in the amount of $20,000.? My W-2 earnings from the past 3 years have exceeded $80,000.?

Monthly net income: $ 0

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 250
??Car expenses: $ 0
??Utilities: $
??Phone, cable, internet: $?185
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 0
??Other expenses: $ 75
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481197
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $149.28
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Mar-2003 Debt/Income ratio: 38%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,357Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: sunny-truth9 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 credit cards
Just completed graduate school, and am trying to aggressively manage my financial situation.? I work in residential life, so while the paycheck is not huge, my room and board is provided which equalizes my situation greatly.? I also freelance for theatre production services, so I pull in some extra income.? I also am seeking to get published in my field of research as I continue my professional development.? My monthly expenses revolve mainly around paying my student loan, health insurance and tithing to my local church.? The remainder of my expense are quite low, as my proximity to the arts field allows me comp tickets to many events which provides for my "entertainment/cultural" needs.? My family is assisting me with my student loans, so I just want to close out my credit cards.
 
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481201
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95%  
   
 
Starting lender yield: 5.80% Starting borrower rate/APR: 6.80% / 12.14% Starting monthly payment: $30.79
 
Auction yield range: 5.71% - 5.80% Estimated loss impact: 5.03%  
Lender servicing fee: 1.00% Estimated return: 0.77%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-1996 Debt/Income ratio: 17%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 7Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 38 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,240Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: rainbow777 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 760-779 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
760-779 (Dec-2009)
 
Principal balance: $1,486.58 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Chase off Chase
Purpose of loan:
This loan will be used to?pay off Chase credit card?

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

Monthly net income: $ 33,00

Monthly expenses
??Housing: $ 700
??Insurance: $ 80
??Car expenses: $ 60
??Utilities: $ 40
??Phone, cable, internet: $
??Food, entertainment: $ 30
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 200
??Other expenses: $ 30
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481209
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55%  
   
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $172.35
 
Auction yield range: 2.71% - 7.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Sep-1993 Debt/Income ratio: 15%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:31y 3m
Amount delinquent: $0 Total credit lines: 47 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,317Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 16%  
   Homeownership: Yes  
Screen name: silver-bunny6 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to?
I will use this loan to payoff credit cards with high interest rate, I want to pay my credit cards asap? a lower rate will help me accomplish this
My financial situation:
I am a good candidate for this loan because?
I pay my bills on time and my job is secure -?? we are currently busy at work with no layoffs in the future.
I have been there a long time .
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481211
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.71% - 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-1999 Debt/Income ratio: 56%
Credit score: 620-639 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,875Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: Katism Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 36 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,600.00< 31 days late: 0 ( 0% )  
640-659 (Oct-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Consolidating Credit Cards
Purpose of loan:
I'll be using this loan to pay off credit cards that have a horrible interest rate!

My financial situation:
I graduated back in December of 2004 with a degree in Broadcasting and have been working fulltime in my field since. I previously opened up a propser loan to pay off a credit card with a high interest rate and that loan has reached it's completion. Now it's time to tackle the department store credit cards!

Monthly net income: $ 3500

Monthly expenses: $ 1367
??Housing: $ 300
??Insurance: $ 35
??Car expenses: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 500
??Credit cards and other loans (Discover, Best Buy, victoria Secret, Express, J Crew, Target): $ 205
? Gym: $ 27
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481217
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-2007 Debt/Income ratio: 32%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,039Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: first-intuitive-power Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my credit cards/debt consolidation and returning funds to my 401k.

My financial situation:
I am a good candidate for this loan because I'm employed in a stable company and I always pay on time.

Monthly net income: $ 2400

Monthly expenses: $
??Housing: $ 350
??Insurance: $ 155
??Car expenses: $ 100
??Utilities: $ 150
??Phone, cable, internet: $ 300
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 375
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481219
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,750.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $150.59
 
Auction yield range: 10.71% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-1994 Debt/Income ratio: 6%
Credit score: 620-639 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 2 / 1Length of status:3y 8m
Amount delinquent: $100 Total credit lines: 22 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $236Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: OmaRich Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 27 ( 77% ) 620-639 (Latest)
Principal borrowed: $10,200.00< 31 days late: 3 ( 9% )  
680-699 (Jul-2010)
660-679 (May-2010)
540-559 (Dec-2007)
660-679 (Mar-2007)
 
Principal balance: $2.91 31+ days late: 5 ( 14% )
Total payments billed: 35  
Description
Debt consolidation @ home repairs
Purpose of loan:
To pay off debts and attorney fees for chapter?13. Yes repaying everything.

?Also, the data above is incorrect. We bought our home in 2003 for 125,000 and owe 98.000 on the principle and have never missed a?payment.

My financial situation:
I am a good candidate for this loan because I have used Prosper in the past and paid off a previous?loan in the amount of 10,200.00. Even though my history shows delinquencies I paid every month. We paid a prosper loan off and 17,000.00 on a bankrupcy. There should be no delinquencies as they were all paid offor a part of our chapter 13 (being paid off)and is less than 3000 balance owed. The original amount was over 20,000.00.

?We signed up for one of those companies like on TV that say make one easy payment and they never paid my?creditors. Neverless to say I was upset and there was a sheriff sale filed on us and the only way to stop it was a bankrupcy. I am a reliable, dependable and honest god fearing individual that prays there are good people willing to help.

?If you are a God fearing person like myself you will understand publicly I state, "I promise to repay the loan" in good faith and sooner if fortune permits. Also, I corrected the delinquencies?on the credit report,?see the upgrade in the credit?score.

?I am a member of "Keep the Faith Missions" located at http://ktfmissions.com/forum/?I am a vested member. Please check my references with "Frank26" he will vouch for me and my purist intention. My username is "OmaRxxh". I am good for it. Just replace the xx's with "ic" to?when checking out the website.

Monthly net income: $ 3000.00

Monthly expenses: $
??Housing: $ 1001.00
??Insurance: $ 0.00 my wife pays
??Car expenses: $ 0.00 we have?2 old cars
??Utilities: $ 185.00
??Phone, cable, internet: $?110.00
??Food, entertainment: $?300.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $
??Other expenses: $

Current Holder of Dinar, just need some USD to make it to 2011.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481221
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $287.66
 
Auction yield range: 10.71% - 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-1986 Debt/Income ratio: 17%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:9y 3m
Amount delinquent: $105 Total credit lines: 21Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $624 
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: gold-radio 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
Purchase van for cleaning company
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 481237
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.71% - 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: Jun-2000 Debt/Income ratio: 23%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 12Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 5Length of status:5y 3m
Amount delinquent: $439 Total credit lines: 25 Occupation: Civil Service
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $124Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: new-generosity-exec 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
used car inventory for tax season
Purpose of loan:
This loan will be used to? I have been in the used car whosale business for the past 6 years....this loan will be backed by inventory,you may have the titles...my expectation is this will be paid within 6 months.................

My financial situation:
I am a good candidate for this loan because?
I have raised my credit score from 530 to 670 in 1.5 years.? My credit profile says that I am delinquent on 2 accounts.....I dont know what that is but I will have that corrected this week...........I am not delinquent
Monthly net income: $
my showing w2 income will be about $35,700 but I also sell cars and have a heating and cooling business, my bank statements will show you my deposits are from $5000 to $12000 per month
Monthly expenses: $
??Housing: $ 525
??Insurance: $ 186
??Car expenses: $ 509
??Utilities: $ 157
??Phone, cable, internet: $ 179
??Food, entertainment: $ 780
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 177
??Other expenses: $ none
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481241
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $160.63
 
Auction yield range: 10.71% - 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: Jul-1990 Debt/Income ratio: 33%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 16 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,839Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: No  
Screen name: sunkizt Borrower's state: DistrictOfColumbia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 10 ( 100% ) 680-699 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
600-619 (Sep-2009)
640-659 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Paying off a credit card
Purpose of loan:
This loan will be used to pay off a card that raised my loan rate to 29.99%. I've been paying off my cards (slowly but steadily) for the past two years.

My financial situation:
I am a good candidate for this loan because I have am reliable and love my job. I also work part time on nights and weekends to help pay more towards my credit card debt.

Monthly net income: $2800

Monthly expenses: $2300
??Housing: $500
??Insurance: $0
??Car expenses: $0
??Utilities: $50
??Phone, cable, internet: $150
??Food, entertainment: $200
??Clothing, household expenses $150
??Credit cards and other loans: $1200
??Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481245
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1998 Debt/Income ratio: 38%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:12y 6m
Amount delinquent: $0 Total credit lines: 7Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,718 
Delinquencies in last 7y: 0 Bankcard utilization: 69%  
   Homeownership: No  
Screen name: tranquil-treasure0 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Helping My Daugher Pay Her Debt
Purpose of loan:My daughter is trying to eliminate her credit card debt, but isn't able to put a dent in it. Over the last 5 years, I have been living with her and her husband due to my disability in 2004 and being placed in a wheel chair. They were gracious enough to move me from Texas and into their home in Missouri, and have bent over backwards to take care of me and make me comfortable. I feel because of their sacrifices for me, it has been a disadvantage for them and set her back financially. Hopefully with this loan, I'll be able to give back to her with a jump start and the motivation she needs to pay off her cards and close them for good. She and I have agreed to split the monthly payment for a year, and she will pay the remaining two years herself.
This loan will be used to?assist in paying off my daughters credit cards.

My financial situation:Retired, but costs are low. Income source is Social Security.
I am a good candidate for this loan because?being retired and with low-debt, my monthly expenses are very low, therefore allowing me to back up my daughter if she isn't able to make a payment.

Monthly net income: $ 1,400

Monthly expenses: $
??Housing: $0
??Insurance: $100
??Car expenses: $0
??Utilities: $0
??Phone, cable, internet: $20
??Food, entertainment: $100
??Clothing, household expenses $20
??Credit cards and other loans: $100
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481247
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 5.95%  
   
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $519.25
 
Auction yield range: 5.71% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-1984 Debt/Income ratio: 13%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:26y 11m
Amount delinquent: $0 Total credit lines: 47 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $37,806Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: wampum-channel9 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
Second Chance Request
Purpose of loan:
This loan will be used to? Consolidate Credit Card and Personal Loan Debts

My financial situation:
I am a good candidate for this loan because?I always pay my bills on time. I have a very good credit rating. ?I have a secure job with the Federal?Government that I have been with since 1983 - Excellent?job security! My husband also works for the Federal Government and has been since 1985. No anticipated loss of jobs or income. Both of us are currently in a position to receive promotions within the next 6-12 months.?

Monthly net income: $ 13,500

Monthly expenses: $ 6600.00?
??Housing: $ 2867
??Insurance: $ 250
??Car expenses: $ 489
??Utilities: $ 350
??Phone, cable, internet: $ 200
??Food, entertainment: $ 850
??Clothing, household expenses $ 300?
??Credit cards and other loans: $ 1300?
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481251
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $82.19
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1999 Debt/Income ratio: Not calculated
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:20y 7m
Amount delinquent: $402 Total credit lines: 20 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,563Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: poetic-integrity60 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
Repairing my work car
Purpose of loan:
This loan will be used to?
repair my work vehicle.
My financial situation:
I am a good candidate for this loan because?I pay my bills and make my payments on time.?

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $ 150
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $50
??Credit cards and other loans: $ 75
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481255
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 13.00% Starting borrower rate/APR: 14.00% / 17.27% Starting monthly payment: $256.33
 
Auction yield range: 10.71% - 13.00% Estimated loss impact: 11.08%  
Lender servicing fee: 1.00% Estimated return: 1.92%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1989 Debt/Income ratio: Not calculated
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 18 Occupation: Principal
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $76,060Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: No  
Screen name: bill-ladder5 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?

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 481257
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $164.38
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-1977 Debt/Income ratio: 3%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:27y 7m
Amount delinquent: $0 Total credit lines: 44 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: planetarium363 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
Help with wife's Crohn's Disease
My wife and I have been married 24 years and she was diagnosed with Crohn's Disease in 1993 seven years after we married.?
We have had extreme medical expenses and travel to Birmingham, Alabama to see several doctors.? My wife has had 4 surgeries for this disease
and has 22 inches of her colon removed.? My wife has to have lots of prescription drug medicine which has led to extreme medical costs over the years.?
She has been unable to work our entire marriage due to this disease.?

We have got in?huge financial trouble over the years which led to my bankruptcy in 2009.? We are trying real hard to avoid debt at all costs after this bankruptcy.? We have tried very hard to live within our means but the expenses of her disease has been devastating to us over the years?due to huge medical expenses with doctor visits and medicine and travel costs.? We need a personal loan of $4,000 which will help us get debt free, and?pay for some home improvement expenses.????We just need to get on our feet and try to stay debt free at all possible costs.? We can't save any money as we are.? We need help desperately!

My Net Income is $4109.00 Monthly
Mortgage Payment $1712 Monthly?
Automobile Loan? $155.46 monthly? we want to payoff
Automobile Insurance $127.00 Monthly
Utility Costs?$350.00 Monthly
Food Costs? $250.00 Monthly
Drug Costs $500.00 Monthly which varies
Property Taxes $55.00 Monthly
Automobile expenses $250.00 Monthly
Other expenses and loans we want to payoff?? $400.00 Monthly

With all of these expenses we have $309.54 left each month and sometimes we have a little less due to expenses out of our control.?
We could have $400.00 + $155.46? left by paying off some debts which will lead to us becoming debt free.? We could pay for home improvement expenses and
not have to pay for these?and get further into trouble.

We have estimates that the home improvement work will come to $1,550.00

This personal loan of $4000?will get us back on our feet where we can meet our expenses each month and help us?stay debt free for once in our lives.

We are trying real hard to not get into debt again.? My wife and I follow a budget every month and wish to stay within our budget.? We always want to pay our bills every month and not get behind.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481273
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $113.09
 
Auction yield range: 16.71% - 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-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 7Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 10 Occupation: Student - College S...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,884Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: No  
Screen name: kindness-caramel4 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Education/Debt
Purpose of loan:
This loan will be used to?help pay for my last year in College and help pay down some small debts

My financial situation:
I am a good candidate for this loan because?I work part time for my family company and have a 3.8 GPA. Every month I have an income of 3000 and will repay the loan before it is due.

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $1000
??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 481275
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,700.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $122.14
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Oct-2005 Debt/Income ratio: 38%
Credit score: 600-619 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 6 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,129Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: No  
Screen name: mysticle31 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 5 ( 100% ) 600-619 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
700-719 (Aug-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 5  
Description
Paying off debt before move out
Purpose of loan:
This loan will be used to pay of my Credit Card and Khol?s Charge Card. I just finished a side job and made some money that I used to pay off my other debts.

My financial situation:
I am a good candidate for this loan because I currently have minimal major expenses. Granted, I do not make much money but I live at home with my parents and they pay for most things that cost a lot every month like, rent, food, utilities..etc. I pay for my own car (which was paid off last prosper loan), school, books, gas, phone, fuel, and insurance. I work as a retail clerk just down the street from my home for the past several years.

I was stupid and racked up a bit of debt on my Credit Card buying things that I do not need. I also paid for school and books on there for the past two semesters. I recently lost a bunch of weight. I went from a size 38 to a 32, wearing large shirts to a small. I had no clothes that fit me. I went to Khol?s to shop and ended up opening up a Khol?s Card to pay for the items. If I was SMART and did not have such a balance on my credit card I could have just bought the items I needed and paid it all off. But hey, lessons learned. I?m here to consolidate that debt into nice easy to make payments. It would also be nice to get the interest rate down. I plan to pay it all off before I move out, which is when things the MORE expensive due to added expense. So I need to get my finances in order. I plan to implement a CASH AND CARRY policy until it?s all paid off.

Monthly net income: $ 600-700

Monthly expenses: $
Housing: $0
Insurance: $70
Car expenses: None, I paid it all off with the last loan
Fuel: <$40. I have a fuel budget from my parents.
Utilities: $0
Phone, cable, internet: $75
Food, entertainment: $ about 50
Clothing, household expenses $0
Credit cards and other loans: This is what I?m trying to get rid of
Other expenses: I?ve been thinking of joining a gym or fitness studio to get out and keep in shape. This would cost, what? $100 a month I think. This and food and entertainment money are the first to go in hard times.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481283
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 22.00% Starting borrower rate/APR: 23.00% / 26.85% Starting monthly payment: $58.06
 
Auction yield range: 16.71% - 22.00% Estimated loss impact: 19.55%  
Lender servicing fee: 1.00% Estimated return: 2.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Feb-1995 Debt/Income ratio: 34%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 43 / 35Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 60 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,371Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 27%  
   Homeownership: No  
Screen name: orange-integrity-pole Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off higher interest rate cards
Purpose of loan:
This loan will be used to? to pay off higher interest rate cards which i have already closed.?

My financial situation:
I am a good candidate for this loan because? i pay my bills on time and have never been late on anything. I am paying down debt extremely fast and closing accounts that do not benefit me. I have a full time job with my local college in the financing department as an Accounting Specialist. I have an associates degree in accounting and working on my B.S. degree. I would like the opportunity to prove myself, and become a part of the Prosper family.

Monthly net income: $ 2000

Monthly expenses: $
??Housing: $?0
??Insurance: $?58
??Car expenses: $ 0
??Utilities: $?50
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 600
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481291
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Jan-1992 Debt/Income ratio: Not calculated
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 46 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,759Stated income:$1-$24,999
Delinquencies in last 7y: 11 Bankcard utilization: 41%  
   Homeownership: No  
Screen name: trade-slingshot Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off smaller debts
Purpose of loan:
This loan will be used to pay off smaller debts and combine them into one payment in? order to pay off quicker.? I am also trying to relocate and get things in order.?

My financial situation:
I am a good candidate for this loan because Im looking for parttime work and getting my finances in order the best I can.?

Monthly net income: $
2000.00
Monthly expenses: $
??Housing: $ n/a
??Insurance: $ 95.00
??Car expenses: $ 434.79
??Utilities: $ n/a
??Phone, cable, internet: $ n/a
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 35.00
??Credit cards and other loans: $ 150.00
??Other expenses: $ 60.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481303
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Nov-1988 Debt/Income ratio: 102%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 14Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 76 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $46,482Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: fervent-income75 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Fellowship Loan
Purpose of loan:
This loan will be used to cover expenses related to applying and interviewing for a medical fellowship which would be scheduled to begin in July of 2012 and would be for two years.

My financial situation:
I am a good candidate for this loan because I am a third year medical resident.? I have 8 months left on my medical residency and will then be employed as an attending physician for at least 12 months prior to starting fellowship.? I will be making significantly more income than I do now and will be able to fully pay off this loan prior to the 36 month term.? I am just cash poor at the moment for several reasons including the fact that? my identity was stolen thus I can not obtain additional credit elsewhere until I can clear my record.? I would be more than happy to further elaborate if requested.

Monthly net income: $ 3000

Monthly expenses: $ 2700
??Housing: $ 750
??Insurance: $ 80
??Car expenses: $ 450
??Utilities: $ 150
??Phone, cable, internet: $ 85
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 911 ????
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481305
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Mar-1982 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 7Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 18 / 17Length of status:6y 0m
Amount delinquent: $0 Total credit lines: 36 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,178Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: elevated-leverage4 Borrower's state: Hawaii Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
working capital
Purpose of loan:
This loan will be used to? Establish more business credit, pay down personal credit card debt used to fund my business

My financial situation:
I am a good candidate for this loan because?
I have good cash flow and about $30k in recievables at this time, I fund my business with personal credit and 90% of all outstanding balances are carrying business expenses, I currently pay out an avg. of $10K - $15K annualy in primarily credit card interest to fund business expenses. I am as many small businesses are, typically unable to secure funding/ loans,?etc... because my FICO and debt ratios always show high risk?. My ultimate goal is to find a long term entity with which to work with to secure larger longer term financing to expand the business and incorporate.?I have increased revenues year over year and last year saw a 62% increase even with the economic downturn that has had a very big effect on my industry.
Monthly net income: $
$7000
Monthly expenses: $
??Housing: $? 2145(?second Mtg. is covered by my girlfriend)
??Insurance: $ 475????????
??Car expenses: $ 575
??Utilities: $ 220
??Phone, cable, internet: $ 110
??Food, entertainment: $ 450
??Clothing, household expenses $250
??Credit cards and other loans: $ 1500
??Other expenses: $ 600
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481311
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 33.61% Starting monthly payment: $254.71
 
Auction yield range: 10.71% - 29.00% Estimated loss impact: 11.53%  
Lender servicing fee: 1.00% Estimated return: 17.47%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-1991 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 37 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,630Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: No  
Screen name: unforgettable-treasure3 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Open Business - Kelz Hot Dogz
Purpose of loan:? This loan will be used to purchase a hot dog cart, equipment?and all necessary insurance, bonds and permits.?

My financial situation:? I am a hard worker and will do whatever it takes to make my business a success!? I have already paid for and passed my managers food handlers license.? I live in Arizona and we have?outdoor sports and festivals year round.?I have ties with baseball and soccer associations and have weekend tournaments lined up to work.??I will also be working weekdays,?I have written permission to park my cart in a warehouse area that provides plenty of?foot and vehicle traffic.?

Monthly net income:???Income goal?at $4000.00 to start off with.

Monthly expenses: $? My husband is the "bread winner" for our family and his income pays?our bills.? He is a?Design Engineer for?a large?corporation here in Arizona.? I put?him through?college working technical support and?after he graduated we moved here?&?I became a?"stay at home" mom for our 5 children.? Our third child just graduated from High School which means?another kid?with college expenses. ?I have always done?home businesses or contract work, but?I want to start this business without dipping into the family income and make it a success.??I would like to build my own credit?& income that shows without having to rely on my husbands income.?

My husband has been?with the same corp for over 16 years?&?brings home $8100.00 a month.??
??Housing: $ 2100.00
??Insurance: $ 310.00 insurance on 4?vehicles
??Car expenses: $ 600.00, Gas/Maint $600.00
??Utilities: $ electric $300? Water/Gargbage $80.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 1000.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 900.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481315
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Nov-2002 Debt/Income ratio: 18%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 9Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:25y 9m
Amount delinquent: $0 Total credit lines: 7Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,762 
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: serene-p2ploan Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 720-739 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
700-719 (Dec-2009)
 
Principal balance: $4,098.03 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Adding a 2nd Story
Purpose of loan:
This loan will be used to add a 2nd story to my residence allowing family members to move in and keep me company. My financial situation:
I am a good candidate for this loan because I have a good pension, a successful hobby business, and my payment record is perfect on all my finances (home loan, credit card, Prosper). I have good reserves in the bank but prefer to keep a large cushion for safety. My credit score is increasing due to my excellent payment record.
Monthly net income: $3200 total: $ 2200 pension, $1000 note income.
Monthly expenses: $ 2268??Housing: $ 1643
??Insurance: $ 72
??Car expenses: $0
??Utilities: $ 28
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $?275??
Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481317
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 60 months Estimated loss: 4.95%  
   
 
Starting lender yield: 13.00% Starting borrower rate/APR: 14.00% / 15.38% Starting monthly payment: $349.02
 
Auction yield range: 6.23% - 13.00% Estimated loss impact: 5.17%  
Lender servicing fee: 1.00% Estimated return: 7.83%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Feb-1987 Debt/Income ratio: 14%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:8y 6m
Amount delinquent: $0 Total credit lines: 31 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,506Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: elleb15 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 31 ( 100% ) 720-739 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
760-779 (Feb-2008)
 
Principal balance: $2,343.14 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
ACCOUNTABLE, RELIABLE BORROWER : )
Purpose of loan:
This loan will be used to? enable me to pay my monthly bills and not use my credit cards. I am making somewhat less at work due to the economy, though more then 120K, but due to a very high mortgage payment and unforseen very expensive?home repairs on my 80 year old home I have had to use my credit cards to meet my monthly expenses. I do not want to do this!

My financial situation:
I am a good candidate for this loan because? as you can see I make all my payments on time and have a stable I have been at for almost 9 years. I have NEVER not paid a loan off, ever. I am a person of integrity.





Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481319
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 40.24% Starting monthly payment: $54.28
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Jul-2009 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 2 / 1Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 2 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: bountiful-dedication 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: 5 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Feb-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 5  
Description
Furnishing my new Apartment!
Purpose of loan:
This loan will be used to?
furnish my new apartment
My financial situation:
I am a good candidate for this loan because?
This is my second prosper loan and am trying to build my credit as well. I
paid my first loan in less than 6months I also plan to do same with this second loan, pay it off under a year.? I?will be repaying as much as $150 monthly when the loan is fully funded to meet my under a year "completely?paid"
plan. I got a great deal from a local furniture store for half of my budget to furnish my new home so?I paid half already in cash.?Am RELISTING my posting for?the balance $1200 to cover the rest.?Am WORTH placing a bid on because I?pay all my bills early and on time,my business is doing?excellently?well and I REALLY WANT TO GROW MY CREDIT TO THE 800's.Thanks Everyone for considering this listing!?
Monthly net income: $3600-$4900

Monthly expenses: $1454?
??Housing: $?
??Insurance: $
??Car expenses$
??Utilities: $
??Phone, cable, internet:?
??Food, entertainment:
??Clothing, household expenses $0
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481329
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 10.80% Starting borrower rate/APR: 11.80% / 15.03% Starting monthly payment: $165.59
 
Auction yield range: 10.71% - 10.80% Estimated loss impact: 11.02%  
Lender servicing fee: 1.00% Estimated return: -0.22%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-1995 Debt/Income ratio: 14%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 7Length of status:13y 1m
Amount delinquent: $0 Total credit lines: 45 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $55,970Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: dime-historian 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
New Windows
Purpose of loan:
Purchase new windows for my home.

My financial situation:
I am a good candidate for this loan because I am a full-time Police Officer and I have worked for the same department for the last 13 years.?

My credit score is a little lower then normal.? About 9 months ago I closed all of my credit cards to avoid the high APR increase.? I have paid off a total of $19,000 in credit card debt in the last year.? I only have one credit card with a $6,000 balance to pay off.

Monthly net income: $ 3,100

Monthly expenses:?$2,500
??Housing: $ 1,100
??Home & Auto Insurance: $?125
??Car payment: $ 225
??Utilities: $?250
??Phone, cable, internet: $ 150
??Food, entertainment: $ 350
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 100 min payment
? Fuel: $100


Thank you for your time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481331
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $224.34
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-2002 Debt/Income ratio: 33%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 6Length of status:2y 7m
Amount delinquent: $958 Total credit lines: 14 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $747Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: income-runner627 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to? Payoff Debt

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

Monthly net income: $ 2500

Monthly expenses: $ 0
??Housing: $ 0
??Insurance: $ 35
??Car expenses: $ 385
??Utilities: $ 100
??Phone, cable, internet: $ 0
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481335
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 5.95%  
   
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $519.25
 
Auction yield range: 5.71% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-2002 Debt/Income ratio: 9%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 10Length of status:46y 3m
Amount delinquent: $0 Total credit lines: 13 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,857Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: Yes  
Screen name: bazaar-boomerang7 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
back-up
Purpose of loan:
This loan will be used to have as buck-up / reserve

My financial situation:
I am a good candidate for this loan because i own 2 properties and my own business, all credit cards & mortgages are always payed on time.

Monthly net income: $ 12'500

Monthly expenses: $
??Housing: $ 2100
??Insurance: $ 150
??Car expenses: $0
??Utilities: $ 150
??Phone, cable, internet: $200
??Food, entertainment: $ 2000
??Clothing, household expenses $1000
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481345
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 5.95%  
   
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 10.08% Starting monthly payment: $235.02
 
Auction yield range: 5.71% - 7.00% Estimated loss impact: 6.05%  
Lender servicing fee: 1.00% Estimated return: 0.95%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-1995 Debt/Income ratio: 14%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 22 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,245Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: Yes  
Screen name: useful-capital6 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying of Credit cards
Purpose of loan:
This loan will be used to pay off my credit cards

My financial situation:
I am a good candidate for this loan because:
I am currently paying more than the minimum payment on my credit cards.? I am merely making a?good financial decision to look for a lower APR.

Monthly net income: $ 3500.00

Monthly expenses: $
??Housing: $ 1431
??Insurance: $ 100 (Auto)
??Car expenses: $?100 (I?own the car, $50 for Gas + $50/month for budgeted yearly expenses)
??Utilities: $ 150
??Phone, cable, internet: $?40
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481351
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,300.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.82% Starting monthly payment: $58.81
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-1991 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,257Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: worthy-principal345 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation and Bills.
Purpose of loan:
Debt consolidation and pay off bills.

My financial situation: In a tight spot now but can pay off the loan in a timely matter.


Monthly net income: $ 2000

Monthly expenses: $ 500
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $50
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481353
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-1983 Debt/Income ratio: 13%
Credit score: 620-639 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 4 Current / open credit lines: 1 / 1Length of status:4y 1m
Amount delinquent: $53,442 Total credit lines: 17 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,077Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: bookworm48 Borrower's state: Illinois Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 27 ( 75% ) 620-639 (Latest)
Principal borrowed: $2,800.00< 31 days late: 5 ( 14% )  
600-619 (Mar-2008)
660-679 (Feb-2007)
 
Principal balance: $0.00 31+ days late: 4 ( 11% )
Total payments billed: 36  
Description
tax amnesty opportunity
Purpose of loan:
This loan will be used to? take advantage of a state tax amnesty program to clear up three years of overdue taxes without penalties or interest

My financial situation:
I am a good candidate for this loan because? my bad credit stems from a failed business in 2005. Paying back these taxes is a start in clearing up this record.? Since 2005 I have paid all my debts, including a previous Prosper loan.

Monthly net income: $ 1600

Monthly expenses: $
??Housing: $ 300
??Insurance: $ 40
??Car expenses: $80
??Utilities: $ 120
??Phone, cable, internet: $ 200
??Food, entertainment: $ 160
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481357
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 10.75% Starting borrower rate/APR: 11.75% / 14.98% Starting monthly payment: $248.21
 
Auction yield range: 10.71% - 10.75% Estimated loss impact: 10.02%  
Lender servicing fee: 1.00% Estimated return: 0.73%  
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): 7 First credit line: Mar-1989 Debt/Income ratio: 25%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 14 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,057Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: xsteedx 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: 23 ( 96% ) 700-719 (Latest)
Principal borrowed: $5,000.00< 31 days late: 1 ( 4% )  
720-739 (Sep-2008)
 
Principal balance: $1,804.33 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
College debt consolidation
Purpose of loan:
This loan will be used to? Good day. I'm applying for this loan to consolidate debt from my five year college experience. I recently graduated with a degree and have about 3-4 loans I'd like to pay off and combine into one with Prosper. I am familiar with Prosper and this will be my second loan. I have never missed a payment with Prosper as noted above. I'm simply looking to advance myself in life now and get caught up so I can begin putting money away as a professional. Any help would be greatly appreciated! Thank you.

My financial situation:
I am a good candidate for this loan because? I'm a good candidate for this loan because I pride myself on organization and take great responsibility in my financial life. I'm honest, hard working and always looking to stay ahead of the game in all aspects of life.

Monthly net income: $2,800
??Housing: $480
??Insurance: Paid by employer
??Car expenses: $0
??Utilities: $80
??Phone, cable, internet: $65
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481359
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 35.08% Starting monthly payment: $50.94
 
Auction yield range: 13.71% - 29.00% Estimated loss impact: 15.53%  
Lender servicing fee: 1.00% Estimated return: 13.47%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1994 Debt/Income ratio: 16%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,872Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: sabreboy77 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off some Bills
Purpose of loan:
This loan will be used to?payoff bills that I have accumulated during the last few years and a few home repairs? Looking to pay this loan off as soon as possible and look to help other out on prosper after I have paid it back.?

My financial situation:
I am a good candidate for this loan because? I now have a steady career and my wife has also landed a reliable position.? I have 3 kids and I am looking to catch up on all my responsibilities.? i will have this loan payed off as soon as possible

Monthly net income: $ 2500
Monthly expenses: $
??Housing: $ 300
??Insurance: $ 100
??Car expenses: $?400
??Utilities: $?250
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481363
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Apr-2001 Debt/Income ratio: 15%
Credit score: 600-619 (Oct-2010) Inquiries last 6m: 9Employment status:Other
Now delinquent: 0 Current / open credit lines: 15 / 12Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 21Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,699 
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: dsimm Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 31 ( 89% ) 600-619 (Latest)
Principal borrowed: $3,500.00< 31 days late: 4 ( 11% )  
640-659 (Apr-2010)
600-619 (Aug-2007)
 
Principal balance: $0.46 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Dental
Purpose of loan:
This loan will be used to?
Dental work
My financial situation:
I am a good candidate for this loan because?
I will pay every month on time, like I did before.? I was help my son but now he has a job. I will paid the loan of within one year.
Monthly net income: $ 5280

Monthly expenses: $
??Housing: $ 1462
??Insurance: $ 45?
??Car expenses: $ 333?
??Utilities: $ 200?
??Phone, cable, internet: $ 160
??Food, entertainment: $200??Clothing, household expenses $100
??Credit cards and other loans: $ 160
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481373
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 16.80% Starting borrower rate/APR: 17.80% / 21.15% Starting monthly payment: $180.26
 
Auction yield range: 16.71% - 16.80% Estimated loss impact: 37.52%  
Lender servicing fee: 1.00% Estimated return: -20.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Apr-2002 Debt/Income ratio: Not calculated
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:0y 1m
Amount delinquent: $33,689 Total credit lines: 14 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,513Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: DoTheRighThingFinancial 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
Back on track,
Purpose of loan:
This loan will be used to pay off my credit cards, I always pay on time but the situation with houses crash my credit report, this likely is going to change with a short sale in my property, that should be any time in the next couple months, all paperwork related is done, waiting in lenders to finish, that's why I want to pay my credit card (Sharky) because never stop paying it waiting for this moment to come by, regain my credit and start all over again.

My financial situation:
I am a good candidate for this loan because? I have a small distribution business and working for installing cable boxes now, that means steady income to pay the loan in about 6 months, my plan.?


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481379
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 29.35% Starting borrower rate/APR: 30.35% / 33.97% Starting monthly payment: $319.83
 
Auction yield range: 13.71% - 29.35% Estimated loss impact: 15.54%  
Lender servicing fee: 1.00% Estimated return: 13.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jan-1998 Debt/Income ratio: 31%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 10Length of status:13y 11m
Amount delinquent: $0 Total credit lines: 36 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $52,566Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: benjamins-recorder 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
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate credit cards.

My financial situation:
I am a good candidate for this loan because I've never had a late payment reported on my credit report and I have no negative inquires.

Monthly net income: $ 4,300

Monthly expenses: $
??Housing: $ 994
??Insurance: $ 60
??Car expenses: $ 150 (gas)
??Utilities: $ 150
??Phone, cable, internet: $ 50
??Food, entertainment: $ 50
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481387
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 10.34% Starting monthly payment: $484.01
 
Auction yield range: 2.71% - 9.00% Estimated loss impact: 1.56%  
Lender servicing fee: 1.00% Estimated return: 7.44%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Sep-1966 Debt/Income ratio: 13%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 10Length of status:9y 5m
Amount delinquent: $76 Total credit lines: 19 Occupation: Principal
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $12,050Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: bliss4 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
Business Loan
I listed this loan request last month at the recommended interest rate and it?was only 88% funded so it did not go through.? I am re-listing it now at a rate that is 2% higher than the current recommendation.

Purpose of loan:
This would be used to help fund my final equity contribution to a real estate development project.

My financial situation:
I am a good candidate for this loan because? I have plenty of assets, (a net worth of over $5MM), just very tight liquidity right now.? I am in a business where I simply cannot have?any defaults.? I am conscientious, responsible, honorable, and not paying back a loan is simply not an option.? Near the beginning of next year one large project will be liquidated and I will get back nearly $500K in personal equity, plus profit. This is an 18 unit residential condominium?building in Brooklyn which is complete; more than half the units are under contract in the 5 months since roll-out.? I am also part owner and the managing partner?of a family owned portfolio of commercial properties in Manhattan.? .Also?I am co-owner of two?large development properties in?Costa Rica, one of which may be sold in the coming year, and the other is being gradually developed and is now worth several times what we have invested into it..?I can comfortably maintain this loan from my normal income. I have very low debt and a $3MM life insurance policy.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481397
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-2001 Debt/Income ratio: 20%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,527Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: integrity-showcase4 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
Need a small personal loan
Purpose of loan:
This loan will be used to purchase an engagement ring

My financial situation:
I am a good candidate for this loan because I have job security and have paid my current student loans on time for over three years.

Monthly net income: $ 2850

Monthly expenses: $
??Housing: $?500
??Insurance: $ 120?
??Car expenses: $ paid off
??Utilities: $?75
??Phone, cable, internet: $?100
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481401
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $138.47
 
Auction yield range: 5.71% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-1998 Debt/Income ratio: 17%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 13 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,688Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: rcxgza Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off a chunk of my credit card debt. I have been real good with paying off most of it in the past year and a half and I am really getting my balance closer to 0 which is amazing given where my balance once was. I am looking to pay off most of this cerdit card debt to reduce the high interest rates on them. I am also looking to get married in the coming years and would like to relieve most of my credit card debt before I do.

My financial situation:
I am a good candidate for this loan because I have a steady job which I have been in for almost 3 years now. I was promoted recently to an analyst of a renowned investment firm. I expect my yearly salary to rise at the start of the new year as well. I live at home with my parents so I do not have monthly rent or home payments.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481407
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $158.33
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Nov-1994 Debt/Income ratio: 15%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:7y 7m
Amount delinquent: $0 Total credit lines: 32 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 14 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: handy-interest4 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
Not HR. Good Invest. for any lender
Purpose of loan:
This loan will be used to pay off the rest of?my?2009 taxes?and a Cash Call loan of 2500.? The debt came into place due to the death of my mother last summer.? I took 9 weeks off without pay to fly multiple trips back to Ohio and spend the summer with her until she passed in October from Breast Cancer.?

My financial situation:
I am a good candidate for this loan because I have a?very stable job with the Government as Federal Police Officer.? I had a Chapter 7 Bankruptcy in 2008 due to a bad investment on a house?just before the?housing market went down resulting in a HR rating.? I make a?good salary?at?$79,199 plus overtime?that has?=?close to 94,000 except last year when I had to?take care of my mom that resulted in debt and loss of income.? I have?been with my job over 7 years and take pride in making my payments on time.? There is no High risk with this loan!

Monthly net income: $ 5000 or more depending on overtime.

Monthly expenses: $?

Housing: $ 1000

Insurance: $ car insurance $123?a month.??Always paid in advance 6 months.?

Car expenses: $ 400?car payment.?Plus 300 in gas a month

Utilities:?Gas?$10.? Electric?$90

??Phone, cable, internet: $240?

Food, entertainment: $ 500

Clothing, household expenses $ 200

Credit cards and other loans:?IRS taxes?$500 a month and Cash Call?$300 a month.? Credit Card $40 (IRS and Cash?Call will be paid with Loan)

Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481415
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $240.95
 
Auction yield range: 10.71% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-2002 Debt/Income ratio: Not calculated
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 18 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,837Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: No  
Screen name: aschulle Borrower's state: Indiana Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 33 ( 100% ) 700-719 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
640-659 (Aug-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
Debt Consolidation (2nd loan here)
I'm consolidating some credit card debts that have a 29.99% interest rate. Any rate below that will save us money!

Please contact me for any further questions you might have.
Thanks!

PS: I have succesfully paid off a 3k US$ Prosper loan almost two years ago. Always paid on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481425
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 5.95%  
   
 
Starting lender yield: 6.50% Starting borrower rate/APR: 7.50% / 9.58% Starting monthly payment: $466.59
 
Auction yield range: 5.71% - 6.50% Estimated loss impact: 6.04%  
Lender servicing fee: 1.00% Estimated return: 0.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-1993 Debt/Income ratio: 17%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 5Length of status:8y 2m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,709Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: Yes  
Screen name: unassuming-agreement5 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
Payoffing of credit cards
Purpose of loan:
This loan will be used to? consolidate credit cards

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

Monthly net income: $ 3480.00

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 75
??Car expenses: $
??Utilities: $?240
??Phone, cable, internet: $ 125
??Food, entertainment: $ 800
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 350
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481437
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-2005 Debt/Income ratio: Not calculated
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 3 / 3Length of status:3y 8m
Amount delinquent: $6,574 Total credit lines: 8 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,249Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 16%  
   Homeownership: No  
Screen name: reward-nucleus Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off student loans and debt.
Purpose of loan:
This loan will be used to pay for my student loans, rent, credit card debt, and any other bills that are accumulating at this moment.

My financial situation:
I am a good candidate for this loan because I will put the money to good use to get my finances back in check, and to make myself more financially responsible. I've just been put into a situation where I have to take care of a family, and a recent crisis has basically drained my income dry for the next month or so.

Monthly net income: $1600

Monthly expenses: $1600
??Housing: $850
??Insurance: $100
??Car expenses: $300
??Utilities: $40
??Phone, cable, internet: $50
??Food, entertainment: $120
??Clothing, household expenses $0
??Credit cards and other loans: $175
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481441
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Mar-1993 Debt/Income ratio: 21%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 9Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:7y 2m
Amount delinquent: $1,124 Total credit lines: 14 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $129Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: generous-benjamins4 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
Need to pay off credit cards
Purpose of loan:
This loan will be used to pay off my last two credit cards and I will be credit card free

My financial situation:
I am a good candidate for this loan because I am paying off my debt and getting myself more secure financially.? I am a divroced mom of two and I need the extra income that these last two credit cards are taking from me.? I can make monthly payments and have this loan paid off within 4 months.? Any help is greatly appreciated!

Monthly net income: $ 3300.00

Monthly expenses: $
??Housing: $ 950.00
??Insurance: $?54.00
??Car expenses: $?268.00
??Utilities: $?80.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 80.00
??Credit cards and other loans: $ 1000.00
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481447
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.25%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $173.33
 
Auction yield range: 3.71% - 14.00% Estimated loss impact: 3.30%  
Lender servicing fee: 1.00% Estimated return: 10.70%  
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): 9 First credit line: Feb-2001 Debt/Income ratio: 4%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 3 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $986Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 4%  
   Homeownership: No  
Screen name: Water-Engineer Borrower's state: California Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
740-759 (Feb-2010)
 
Principal balance: $3,430.59 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Final Touches to Business Startup
Purpose of loan:
This loan will be used to put the finishing touches to custom 4 seater jet to be used as a show piece in an upcoming airshow.? Many potential customers will be attending this show and it will very beneficial for me and my business partner to have a first edition jet available for showing and for sale.? Over $150,000 has already been invested in the company and only $7500 more is needed.? I am asking for $5000 which combined with $2500 from my savings will reach mine and my partners goal.? The airshow is on November 17th, so I need to have the money by early November in order to meet the deadline.? Please understand that having this at the show will be a HUGE boost for our company.

My financial situation:
I am a good candidate for this loan because I am already a dependable prosper customer, and this loan will help boost the company into producing jets for customers which will add to my already available $65,000/year engineering salary.?

The 4 delinquencies shown in my credit history are from 4 years ago when my x-wife and I split.? The divorce settlement said she had to pay the rest of the balance on that credit card.? Unfortunately, it was under my name and she never paid it.? It hurt my credit and I had to pay if off myself once I found out what it was doing to me.

Thank you for your help and please don't hesitate to ask me any questions you may have.

Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481453
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Feb-1980 Debt/Income ratio: 16%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:10y 10m
Amount delinquent: $0 Total credit lines: 14 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $202,924Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: exchange-majesty 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 expenses-consolidate accts
b>Purpose of loan:
This loan will be used for business annual flood ins., consolidate personal accounts for cash flow

My financial situation:? Own my own business, which is doing well and moving forward
I am a good candidate for this loan because?my income as of October will be Salary of $62,000+ per year, along with annual social security & JHU Pension?of $18,636 (This begins 10/27/2010).? I also have a roommate who pays $800/month
Monthly net income: $3,810 plus SocSec $1,353, plus?roommate $1000

Monthly expenses: $5565
Housing: $3,750
Insurance: $ paid with Income Tax Return
Car expenses: $ 0 Own my own car, no payments
Utilities: $250
Phone, cable, internet: $?165
Food, entertainment: $400
Clothing, household expenses $150
Credit cards and other loans: $800
Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481455
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.30%  
   
 
Starting lender yield: 16.80% Starting borrower rate/APR: 17.80% / 21.15% Starting monthly payment: $270.39
 
Auction yield range: 16.71% - 16.80% Estimated loss impact: 19.22%  
Lender servicing fee: 1.00% Estimated return: -2.42%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Apr-2004 Debt/Income ratio: Not calculated
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 13 / 10Length of status:4y 7m
Amount delinquent: $355 Total credit lines: 32 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,871Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: likeable-penny Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
This loan will be used to?pay off credit cards

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

Monthly net income: $ 504.00

Monthly expenses: $
??Housing: $
??Insurance: $0
??Car expenses: $618.00
??Utilities: $200.00
??Phone, cable, internet: $200.00
??Food, entertainment: $300.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $400.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481471
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $271.14
 
Auction yield range: 16.71% - 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: Dec-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 11 / 9Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,512Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: Yes  
Screen name: dedication-seeker3 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Manufacturing supplies
Purpose of loan:
This loan will be used to purchase material for a hunting light we designed and had developed.? We have already?invested?several thousand of our?own money?for the development?of the light design.? We now need financing to manufacturing the end product.? We are also in the business of custom design dog collars, tracking systems, and outdoor wear.? Sales on these items result in 80-100% return.

My financial situation:
I am a good candidate for this loan because I always make my payments on time. Also,?the light we are developing will cost approximately $125 to make and it will retail for $210.? We already have several people locally willing to purchase the product as soon as it is completed.? However, we also plan to market our product online in order to reach potential customers outside our local area.? To date, there is no other product out there like ours.? We are having our design patented so that no one else can copy it.?

Monthly net income: $ 2500

Monthly expenses: $
??Housing: $?0
??Insurance: $ 205
??Car expenses: $ 288
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 260
??Other expenses: $ 100
Information in the Description is not verified.