Listing Report:Supplement No. 87 dated Nov 05, 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 454847
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Dec-1993 Debt/Income ratio: 61%
Credit score: 620-639 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 12Length of status:4y 0m
Amount delinquent: $8,773 Total credit lines: 26 Occupation: Clerical
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $15,758Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: mxiong1 Borrower's state: Colorado 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 56 ( 100% ) 620-639 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
700-719 (Jan-2008)
700-719 (Oct-2007)
740-759 (Mar-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 56  
Description
My loan for an auto purchase
I KNOW PROSPER CAN GET ME A BETTER INTEREST RATE


My two previous Prosper Loans are paid off.? Looking for a small loan to finance a used car.



Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456671
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 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: Apr-1984 Debt/Income ratio: 37%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 20 / 20Length of status:2y 2m
Amount delinquent: $986 Total credit lines: 49 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $49,455Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: Yes  
Screen name: dedicated-funds 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
Working Capital
Purpose of loan:
This loan will be used to? be working capital, i.e, supplies, inventory, etc.

My financial situation:
I am a good candidate for this loan because?I have always been current on bills.?

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 1682
??Insurance: $
??Car expenses: $ 0.00
??Utilities: $ 68
??Phone, cable, internet: $ 150
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 60,000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482511
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.99% Starting borrower rate/APR: 29.99% / 33.60% Starting monthly payment: $148.56
 
Auction yield range: 13.57% - 28.99% Estimated loss impact: 15.53%  
Lender servicing fee: 1.00% Estimated return: 13.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1999 Debt/Income ratio: 31%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:7y 1m
Amount delinquent: $460 Total credit lines: 12 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,947Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: unforgettable-interest6 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 Credit Cards & Medical Bill
undefinedundefinedundefined Purpose of loan:
This loan will be used to? Pay off Credit Cards & Medical Bills

My financial situation:
I am a good candidate for this loan because? I have had my job 7 years we are not having any lay off or cut backs and I always work 40 hours a week. I will pay the loan back ASAP I just need to pay these doctor bills off before they hurt my credit, I also want to pay off my credit cards at the same time it would be nice to pay one bill a month rather then several.

Monthly net income: $ 1,374.88

Monthly expenses: $ 874.83
??Housing: $ 0.00 fianc? pays
??Insurance: $ 109.83
??Car expenses: $ 340.00
??Utilities: $ 35.00 fianc? pays rest
??Phone, cable, internet: $ 45.00
??Food, entertainment: $ 75.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 120.00
??Other expenses: $100.00 Medical Bills
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482627
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 22.40% Starting borrower rate/APR: 23.40% / 26.86% Starting monthly payment: $583.78
 
Auction yield range: 7.57% - 22.40% Estimated loss impact: 9.23%  
Lender servicing fee: 1.00% Estimated return: 13.17%  
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): 7 First credit line: Jun-2001 Debt/Income ratio: 18%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 14 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: formula751 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
Funding for New Travel Office
Purpose of loan:
This loan will be used to?Start up a new office and purchase furniture and equipment?for my Travel Business.

My financial situation:
I am a good candidate for this loan because? I have been in the Travel Business for over 10 years with consistant revenue annually from both my business and?my job.

Monthly net income: $ 6875

Monthly expenses: $ 2510
??Housing: $ 750
??Insurance: $ 100
??Car expenses: $ 490
??Utilities: $ 175
??Phone, cable, internet: $ 125
??Food, entertainment: $ 500
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 120
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482695
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $158.33
 
Auction yield range: 16.57% - 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: May-1982 Debt/Income ratio: >1000%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 7 Current / open credit lines: 0 / 0Length of status:0y 5m
Amount delinquent: $10,558 Total credit lines: 21 Occupation: Truck Driver
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 25 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: power-panda4 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
fixing my car.
Purpose of loan:
This loan will be used to?
Repair my automobile
My financial situation:
I am a good candidate for this loan because?
I have a job, I am responsibable If I get this loan and pay it off, I can come back here if I ever need another loan.
Monthly net income: $

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 50
??Car expenses: $ 100
??Utilities: $ 300
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 0
??Other expenses: $ 75
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482735
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 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: Feb-1998 Debt/Income ratio: 22%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 8Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 5 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: note-windmill12 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan for my businesa
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 482781
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.57% Starting borrower rate/APR: 11.57% / 14.79% Starting monthly payment: $247.57
 
Auction yield range: 10.57% - 10.57% Estimated loss impact: 10.02%  
Lender servicing fee: 1.00% Estimated return: 0.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-2003 Debt/Income ratio: 14%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 10 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,050Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: cash-hercules6 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 700-719 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
720-739 (Feb-2010)
 
Principal balance: $4,320.24 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Need a Car
Purpose of loan:? Hello, I will use this loan to buy a car.??My current 1992 Taurus is on it's last leg and I can't keep fixing it anymore. Also, I work in an area where?I can't get by public transportation.

My financial situation:
I am a good candidate for this loan because I am an extremely responsible individual with a proven borrowing track record with Prosper. Since the first loan my Prosper score increased from 5-6 to 8 and estimated loss decreased from 10% to 9.8%.??I have a stable job with guaranteed income (non-commission). I've been resently promoted in my position and got a raise.? I am also a homeowner with a low monthly fixed costs.

Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482805
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.76% Starting monthly payment: $57.53
 
Auction yield range: 10.57% - 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-1982 Debt/Income ratio: 19%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 10Length of status:13y 4m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $129,324Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: leverage-pro1 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal guarantee
Purpose of loan:
This loan will be used?to?pay a personal?debt.?I had to borrow from a friend to pay for an unexpected auto repair, but he had an unexpected expense and now needs his money back right away.

My financial situation:
I?give you my personal?guarantee that I will pay off this loan.? I have worked with a nationwide company for 13 years.? My job is very secure, but I also have accrued vacation that will pay out if I am laid off.? I will use that money to pay you?FIRST if the worst happens and I lose my job.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482823
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.57% - 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-1987 Debt/Income ratio: 15%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 7Length of status:14y 10m
Amount delinquent: $0 Total credit lines: 41 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,251Stated income:$75,000-$99,999
Delinquencies in last 7y: 4 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: unbeatable-diversification9 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
personal loan, family purchases
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?I,ve made mistakes in the past but I feel I am responsible now and will take care of my responsibilities...thank you?

Monthly net income: $ 4500 to 5000

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 482847
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.57% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1995 Debt/Income ratio: 19%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:11y 8m
Amount delinquent: $0 Total credit lines: 25 Occupation: Professor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $88,646Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: nebula122 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off small loans and tax debt
Purpose of loan:
This loan will be used to pay off several small loans as well as my federal tax debt.

My financial situation:
I am a good candidate for this loan because I make payments on time and have an excellent pay history.? My 2009 income was 120,000.00.? From my full time employment and my business.

Monthly net income: Minimum 4500.00 to a maximum of 8000.00, depending on income from my business.? I am employed full time.

Monthly expenses: $
??Housing: $ 1750.00
??Insurance: $ 65.00
??Car expenses: $ 100.00
??Utilities: $?175.00
??Phone, cable, internet: $ 100.00?
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 200.00?
??Credit cards and other loans: $ 900.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482853
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Sep-1979 Debt/Income ratio: 19%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:10y 10m
Amount delinquent: $1,547 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $300Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: No  
Screen name: thoughtful-marketplace1 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
nesacary repares on Horse Rescue
Purpose of loan:
This loan will be used to? Make needed repared to my barn.????i have most of the funds for thease repares i am just short apx $1500

My financial situation:
I am a good candidate for this loan because? I am on SSD permanately. my income is guaranteed

Monthly net income: $ 1800

Monthly expenses: $
??Housing: $?own
??Insurance: $ 82.00????
??Car expenses: $ 60 i rearley leave my house
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $?150.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 245.00
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482883
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.57% - 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-1985 Debt/Income ratio: 18%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 8 Current / open credit lines: 10 / 9Length of status:3y 8m
Amount delinquent: $744 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,789Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: Yes  
Screen name: carnation337 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 Debt
Purpose of loan:
This loan is for the purpose of consolidating high interest debt, and paying it down in a short period of time. This will allow my wife and I to dedicate her salary to college savings and retirement funding. Despite having experienced?Identity Theft?a few years ago, my wife and I have tried to maintain a good credit rating. These funds will allow us to finally put to rest some of these debts once and for all and move forward.
My financial situation:
I?have worked in the same industry for the past 20 years. I have held the position of National Business Manager for almost 4 years with my current company. Along with my wife, we?generate a?nice income and keep close?tabs on our monthly expenses.?

Monthly net income: $ 6800

Monthly expenses: $
??Housing: $ 1780
??Insurance: $ 209
??Car expenses: $ 477?
??Utilities: $ 200
??Phone, cable, internet: $ 150?
??Food, entertainment: $ 400
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 425
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482907
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 60 months Estimated loss: 1.55%  
   
 
Starting lender yield: 6.00% Starting borrower rate/APR: 7.00% / 7.21% Starting monthly payment: $495.03
 
Auction yield range: 3.06% - 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: Oct-1995 Debt/Income ratio: 16%
Credit score: 820-839 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 46 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,651Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: Yes  
Screen name: ivy-league-MBA 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 Private Student Loans
Purpose of loan:
This loan will be used to pay off one of the private student loans I took out while finishing up my MBA at a top 3 business school. Rather than pay off the loan over the next 15 years, I will use this money to pay off the balance in 5 years.
My financial situation:
I am a good candidate for this loan because I have an extremely low debt to income ratio, have flawless credit, and have never been late on any debt payments ever.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482913
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 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: Feb-1997 Debt/Income ratio: 29%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: Hard_Working_Man 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% ) 640-659 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
640-659 (Jan-2010)
 
Principal balance: $2,508.88 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
HAD CANCER NEED LOAN MEDICAL BILLS
Purpose of loan:??

The purpose of this loan is to pay medical bills that were accrued during my cancer treatment.? I had Hodgkin?s disease.? Thank God I am in remission now, but have co-pays that total in the amount of $7000.? I am very blessed to have had great medical care at UCLA Medical center.? I am back to work now at Aramark as National Account Manager.? A great company to work for and my job is still very secure in this ?current economic climate.? I thank Jesus for this job and I am very thankful and appreciative.? Please consider investing in a person who has now survived a great battle with this horrible disease and I thank you very much for your time and consideration.? ? I have stated my income below and as you can see I can afford the loan payment and pay my bills on time.? The only reason my credit score went down a few points is the fact that I had a couple of the medical bills go past 30 days, but I have since made arraignments.? If I can obtain this loan and consolidate all to one smaller payment that will allow me to be debt free in 3 years after this loan is paid off.? I have no credit cards.?

Monthly net income: $3194
Monthly expenses: $?2107
If I can obtain this loan this will reduce my total monthly expense to: $1746.27
Housing: $?550
Insurance $96??
Utilities: $100??
Phone, cable, internet: $ 161??
Food, entertainment: $ 400??
Clothing, household expenses $ 100??
Medical bills, current payment total: $ 700
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482923
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 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-1998 Debt/Income ratio: 21%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 13Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 49 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $60,602Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: money-scrutinzer 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% ) 640-659 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Dec-2009)
 
Principal balance: $809.40 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Paying off Mother's Medical Bills
Purpose of loan:
This loan will be used to?pay off my mother's medical bills which were not covered by insurance as she has Cancer.?

My financial situation:
I am a good candidate for this loan because I have a steady job, have never been out of work and make my payments on time.? I am working to pay off debts that were incurred to pay off parents medical bills.

Monthly net income: $ 8,000

Monthly expenses: $
??Housing: $ 1400
??Insurance: $?177
??Car expenses: $ 100
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482929
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 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): 3 First credit line: Aug-2000 Debt/Income ratio: 33%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:8y 1m
Amount delinquent: $0 Total credit lines: 18 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,891Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: HH5000 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: 31 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,900.00< 31 days late: 0 ( 0% )  
620-639 (Mar-2008)
 
Principal balance: $656.38 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
Credit Card Consolidation
This loan will consolidate all credit card debt. I am not sure why my prosper rating is so low, however I am current on all debts and have no?missed payments on anything in the last 3 or 4 years. I?had a prosper listing once before that is about at its end and every payment was made on time for the 36 months (in month 32 of 36?currently). I am paying 20 percent on most of the cards so am looking to get something below that range to get them paid off once and for all. I am a homeowner that has?NOT missed?any payments?at all since I have bought the place back in 2004. All payments have been on time as well. I have been at the same job for the past 8+ years and have a stable income. I just want to get rid of the credit card debt once?and for all.?If the loan funds,?I plan on closing all the credit card accounts except for one for emergency use only. I hope I am given a chance as I do?pay my?obligations on time. Personal responsibility actually means something to me. ??

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482937
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 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-1987 Debt/Income ratio: 28%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:28y 3m
Amount delinquent: $0 Total credit lines: 10 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $500Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: helpimmediately Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 28 ( 93% ) 700-719 (Latest)
Principal borrowed: $8,000.00< 31 days late: 2 ( 7% )  
700-719 (Sep-2010)
700-719 (May-2010)
680-699 (Apr-2008)
 
Principal balance: $1,570.82 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Bathroom and Kitchen Repair
Purpose of loan:
This loan will be used to? home is over 60 years old and bathroom and kitchen is in need?of repair.

My financial situation:
I am a good candidate for this loan because? with my last prosper loan I have always paid and have a steady income. I have worked in the same place for 28 years and will continue working there.

Monthly net income: $ 2,600

Monthly expenses: $ (Share these with my husband, retired teacher, earns around 2,500 a month)
??Housing: $ 525
??Insurance: $ 220
??Car expenses: $?550
??Utilities: $ 250
??Phone, cable, internet: $?150
??Food, entertainment: $ 100
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482943
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.25%  
   
 
Starting lender yield: 9.60% Starting borrower rate/APR: 10.60% / 12.71% Starting monthly payment: $244.12
 
Auction yield range: 3.57% - 9.60% Estimated loss impact: 3.28%  
Lender servicing fee: 1.00% Estimated return: 6.32%  
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): 9 First credit line: Sep-1995 Debt/Income ratio: 14%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 16 Occupation: Biologist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,989Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: No  
Screen name: dfgbio Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 45 ( 100% ) 740-759 (Latest)
Principal borrowed: $5,500.00< 31 days late: 0 ( 0% )  
720-739 (Sep-2009)
680-699 (Oct-2007)
 
Principal balance: $644.03 31+ days late: 0 ( 0% )
Total payments billed: 45  
Description
Need a Pickup Truck
Purpose of loan:
I need to sell my car and buy a used pickup truck. This loan will allow me to cover the difference between the worth of my car and a reliable used pickup truck. As always, I would rather give all of you interest payments than some bank!!

My financial situation: I have a steady job with the State of California working for the Dept. of Fish and Game for the last three and a half years.
I am a good candidate for this loan because I have already paid off one Prosper loan and have only a small amount left on a second. All loan payments are on time. The payment of this loan will be less than my car payment by over $100. I will have no trouble paying for this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482959
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $113.09
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jun-1988 Debt/Income ratio: 23%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 27 / 23Length of status:14y 0m
Amount delinquent: $1,299 Total credit lines: 45 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,049Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: lovely-responsibility0 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
Purpose of loan:
This loan will be used to pay off?a collection account and some smaller credit cards.??The collection company has agreed to remove the listing from?my credit files when?I pay off the balance which should improve my FICO score tremendously.??This collection was the result of helping a friend who did not follow up with paying off the debt.? I won't be doing that again.? This is my second time listing and I would really?like to get funded to finally get rid of this collection.?If you have any questions, please do not hesitate to ask.

My financial situation:
I am a good candidate for this loan because?I make all my monthly payment on time every month.?I have worked extremely hard to fix my credit and to maintain a good paying history with all my accounts.? Thank you in advance to all who bid and who will assist me with my goal of getting rid of this collection?account.

Monthly net income: $ 4600

Monthly expenses: $
??Housing: $ 1000
??Insurance: $???
??Car expenses: $ 410
??Utilities: $ 80
??Phone, cable, internet: $ 159
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482967
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.25%  
   
 
Starting lender yield: 9.55% Starting borrower rate/APR: 10.55% / 12.66% Starting monthly payment: $195.16
 
Auction yield range: 3.57% - 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: Jan-1995 Debt/Income ratio: 32%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:9y 10m
Amount delinquent: $0 Total credit lines: 18 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,131Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: the-ectasy736 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 31 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
760-779 (Nov-2009)
760-779 (Sep-2008)
 
Principal balance: $2,070.55 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off a few bills.? My husband is a substitue teacher and is trying to find a fulltime teaching position.? He doesn't work everyday so I am the primary paycheck.? He is doing his best and trying very hard to support us but I need a little extra to do what I need to do for our family.

My financial situation:
I am a good candidate for this loan because I have had previous loans and have always made my payments on time and have paid off 1 previous loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482975
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.57% Starting borrower rate/APR: 11.57% / 14.79% Starting monthly payment: $247.57
 
Auction yield range: 10.57% - 10.57% Estimated loss impact: 11.02%  
Lender servicing fee: 1.00% Estimated return: -0.45%  
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): 6 First credit line: Feb-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 24 / 20Length of status:11y 11m
Amount delinquent: $0 Total credit lines: 51 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $54,719Stated income:$75,000-$99,999
Delinquencies in last 7y: 4 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: commanding-coin0 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off 2 credit cards
Purpose of loan:
This loan will be used to? pay off my 2 credit cards.

My financial situation:
I am a good candidate for this loan because? I have learned the value of a good credit history and have worked for the past several years to maintain it. This loan will be my only debt...easy to pay off.

Monthly net income: $ 4958


Monthly expenses: $?2650
??Housing: $ 1200
??Insurance: $ 150
??Car expenses: paid off?
??Utilities:?husband pays?
??Phone, cable, internet:?husband pays?
??Food, entertainment: $ 200
??Clothing, household expenses $300
??Credit cards and other loans: $?800
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482977
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 60 months Estimated loss: 3.50%  
   
 
Starting lender yield: 12.95% Starting borrower rate/APR: 13.95% / 15.33% Starting monthly payment: $348.64
 
Auction yield range: 4.06% - 12.95% Estimated loss impact: 3.55%  
Lender servicing fee: 1.00% Estimated return: 9.40%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Aug-1984 Debt/Income ratio: 10%
Credit score: 800-819 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 21 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,706Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: RiskManiac 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
Finance Work in Progress
My colleagues and I created a Cultural Resource Management firm in June 2009. Basically, this is people who do Archeology projects for private and public entities.

5% of all the gross revenue from the firm is donated back to the USU Anthropology Program. The program uses this money to fund scholarships for students. In addition, the firm creates employment opportunities for students after graduation. Any profits the firm generates will be used to fund student and faculty research. The idea of the firm was to leverage the technical abilities of the faculty to create a self sustaining enterprise to fund scholarly programs and therefore avoid the need for governmental subsidies. We are looking to the future whereby governmental money is no longer an option.

USUAS (see www.usuas.com) is just now starting to turn the corner and has a substantial backlog. The owners are university employees, we have put in all the money we have to finance the work in process- (wages, per diem, mileage, lodging). We are a tad short of operating cash and this loan will get us over the hump. Consistent with our goals and objectives, avoiding governmental programs like SBA loans leads us perfectly into the world of prosper.

This is a great opportunity to help support the preservation of cultural resources and assist a creative bunch in getting away from governmental support.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482983
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.57% - 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: Jun-2001 Debt/Income ratio: 24%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:9y 5m
Amount delinquent: $0 Total credit lines: 42 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $63,245Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: versatile-p2p6 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
home remodeling
The purpose of this loan is to remodel one property I have currently rented in Tampa, FL, I need to install a new carpet, install new kitchen cabinets and replace all the appliances, I also need to have the interior painted
My personal financial situation is very stable, I have a steady job. My company sells military aircraft parts to the US Government and foreign air forces. Last year we were among the 5000 fastest growing private companies in the USA
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482987
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $260.15
 
Auction yield range: 16.57% - 19.00% Estimated loss impact: 19.36%  
Lender servicing fee: 1.00% Estimated return: -0.36%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1984 Debt/Income ratio: 48%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 43 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $322,041Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: ocean555 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
Short-Term Business Loan
Purpose of loan:
This loan will be used to start a business venture.

My financial situation:
I have many years of investment and business experience. I am married with two kids and I own my own home of ten years. I have lived in the same area for 43 years.?My credit balance is 99% from my home loan which is at 2%. I am a good candidate for this loan because I have a great record in investing in businesses. I earn enough money at my job to make the monthly payments.

I plan to repay this loan in 6-12 months.

Monthly net income: $ 5000
Monthly expenses: $
??Housing: $650
??Insurance: $400
??Car expenses: $?342
??Utilities: $ 400
??Phone, cable, internet: $ 150
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482989
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $246.56
 
Auction yield range: 10.57% - 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: Sep-1987 Debt/Income ratio: 31%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:10y 1m
Amount delinquent: $0 Total credit lines: 41 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $67,944Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: bryancos 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
Consolidate Loan Debt
Purpose of loan:
This loan will be used to help consolidate 401k loan debt.? I took out multiple 401k loans a few years ago in order to purchase family business from my inlaws (which explains the high revolving credit balance -- credit lines are used for business purposes) . While the business is doing well, its not doing well enough to repay myself at this time. The currently payments are almost 900/mo deducted automatically, and by consolidating the loans I will cut my payments in half. The funds will be used to pay off one of my existing loans which will allow me to reborrow enough from myself to consolidate the remaining 401k loan balances and repay the prosper loan. This will be s short term loan that would be repaid within 30-60 days... or at the speed of the financial institutions doing the paperwork.

My financial situation:
I am a good candidate for this loan because I have an excellent credit history with zero delinquencies. I just need a little help in order to create some more breathing room for myself and my family

Monthly net income: $ 3208 ???? ????

Monthly expenses: $
??Housing: $ 900
??Insurance: $ 200
??Car expenses: 700
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??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 482995
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.30%  
   
 
Starting lender yield: 6.00% Starting borrower rate/APR: 7.00% / 7.34% Starting monthly payment: $200.70
 
Auction yield range: 2.57% - 6.00% Estimated loss impact: 1.30%  
Lender servicing fee: 1.00% Estimated return: 4.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Apr-2001 Debt/Income ratio: 10%
Credit score: 840-859 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 21 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $944Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: Yes  
Screen name: DreamIsReal 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: 6 ( 100% ) 840-859 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
820-839 (Mar-2010)
 
Principal balance: $6,572.99 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Bring down interest rate on debt
Refinancing more debt and want to lend money

My financial situation:
I am a good candidate for this loan because I have excellent credit and I am a hard worker and responsible person.
I am looking to get married soon so I am trying to make life as manageable as possible.

Absolute RISK FREE investment for you and a life saver for me.

Thank you everyone for your help.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 483005
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.57% - 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: Sep-1989 Debt/Income ratio: 36%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,305Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 69%  
   Homeownership: No  
Screen name: wiseinvesting 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 / 2 On-time: 44 ( 98% ) 700-719 (Latest)
Principal borrowed: $18,990.00< 31 days late: 1 ( 2% )  
680-699 (Nov-2009)
640-659 (Oct-2007)
 
Principal balance: $7,320.29 31+ days late: 0 ( 0% )
Total payments billed: 45  
Description
3rd Prosper Loan! Good Candidate!
Good day, I appreciate your consideration of my loan request.??Currently, I work as an independent contractor for the Federal Government, driving for a limousine service which transports Congressmen, Senators and other Government officials around Washington, DC. I am a very trustworthy and honest person with security clearance and have been with this company for?over?6?years.

Purpose of Loan:

I currently have a Prosper loan, and I am so grateful to all the wonderful people who had faith in me and made that happen.? This will be my third Prosper loan.? As you can see, I am current and have never had a late or missed payment.? I have paid off my first loan and have?25 payments left on the second?loan, and hope to pay it off sooner than that.

If I am fortunate to be granted?a loan through Prosper for the third time, I would use the money?to help out my daughter to consolidate some of her debt.??

This is not a loan out of necessity....I am relatively debt free and have few expenses. I?live in?my daughter's in-law suite in her home and do not have to pay rent, nor do I have any other living expenses such as utilities, however, I do help out with groceries and other small expenses.

Total Amount Requested: $7500
Monthly Net Income: I earn an average of $3,500/mo. net from my job as a diplomatic chauffeur, not including overtime.

Monthly Expenses BEFORE 2nd Prosper Loan: $1,492
Housing: $ 0
Insurance: $ 110
Car expenses: $ 200
Prosper loan: $396
Food, entertainment: $?290
Clothing, household expenses $ 100
Credit cards and other loans: $ 150
Other expenses: $ 250?

As you can see, I will have?$2,001 left from my salary after payment of my Prosper loan.

I have good credit and take my obligations very seriously.? I pride myself on always making my payments on time & will continue to do so with this Prosper loan. I have a very clean credit history with NO Delinquencies in the past seven years. Improving my?credit score is extremely important to me. I can reassure lenders that their investment in me is very safe. The repayment of my Prosper loan will be the 1st priority each month, with payments automatically withdrawn from my bank account. I promise to make all my payments on time & never default on this loan. Thank you again for considering my loan request!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 483007
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 15.99% Starting borrower rate/APR: 16.99% / 20.71% Starting monthly payment: $53.47
 
Auction yield range: 10.57% - 15.99% Estimated loss impact: 11.17%  
Lender servicing fee: 1.00% Estimated return: 4.82%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-2006 Debt/Income ratio: 10%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 15 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,870Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: vivid-listing1 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
Consolidating Debt
Purpose of loan:
I plan on using this loan to consolidate debt taken on before the recession. Recently my credit card companies have jacked my interest rates, sometimes doubling them! I am hoping to consolidate all my credit card debt at a reasonable rate and close out unneeded accounts.

In addition, my computer recently died and I had to spend $500 on a new one. I didn't want to take on the extra debt but I had to since a lot of my school work is done online. This loan will help to cover that expense at a reasonable rate.

My financial situation:
I am a good candidate for this loan because I am a hard working person who believes in treating others the way you would want to be treated. I try to honor my word and I have never been late on a bill- never. In addition, I have done a lot recently to straighten out my financial situation. Over the past 6 months I have been able to raise my credit scores by an average of 70 points. In fact, I am just a few points away from the sought after 700+ rating!

Monthly net income: $
I make approximately $2,500 per month.

Monthly expenses: $
??Housing: $ 625
??Insurance: $ 8
? Transportation: $105
??Utilities: $ 50
??Phone, cable, internet: $ 140
??Food, entertainment: $ 350
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 400
??Other expenses: $ 400


I was able to list this loan two weeks ago and it was fully funded. However, due to an error in my address I was forced to withdraw the loan request and am now requesting it once more. I want to thank you for taking the time to consider my application.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 483011
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,600.00 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: $161.53
 
Auction yield range: 13.57% - 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: May-1996 Debt/Income ratio: 6%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:13y 1m
Amount delinquent: $0 Total credit lines: 9 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: capital-plasma6 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 traffic fines
Purpose of loan:
This loan will be used to? pay traffic fines

My financial situation:
I am a good candidate for this loan because?I have a secure job.I can make the monthly payment with no problem.I?need this loan because I have old traffic fines that have to be?repaid because an employee at the clerks office where they were originaly paid embezzeled the money years ago.And of course after all that time I have no proof that I paid.I cannot afford the high monthly payments that they want,so,I am asking for help so I can get my?driver's licence back before I loose my job over the matter.Please concider me for a loan.?

Monthly net income: $2,165

Monthly expenses: $
??Housing: $500
??Insurance: $
??Car expenses: $ 300
??Utilities: $
??Phone, cable, internet: $ 200
??Food, entertainment: $?
??Clothing, household expenses $ 350
??Credit cards and other loans: $
??Other expenses: $ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 483017
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $110.95
 
Auction yield range: 10.57% - 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: Dec-1993 Debt/Income ratio: 17%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 6Length of status:4y 10m
Amount delinquent: $20 Total credit lines: 32 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $76,422Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: top-duty-marauder 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
Loan for Gas Furnace
Purpose of loan:
This loan will be used to? Pay for new gas furnace. The original one caught on fire 2 weeks ago.

My financial situation:
I am a good candidate for this loan because? I have an excellent track record for paying off debts, and I can furnish references.

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 483029
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-1997 Debt/Income ratio: 80%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 25 / 16Length of status:12y 10m
Amount delinquent: $0 Total credit lines: 38 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $33,368Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: brianbuyshomes Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 32 ( 100% ) 640-659 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
660-679 (Sep-2010)
640-659 (May-2010)
640-659 (Aug-2009)
640-659 (May-2009)
 
Principal balance: $1,165.67 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
pay taxes
Purpose of loan:
This loan will be used to? pay realestate taxes

My financial situation:
I am a good candidate for this loan because? never been late paying bills

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 483031
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 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: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 3 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% ) 680-699 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Oct-2010)
640-659 (Feb-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 5  
Description
Relist:Furnishing my new home !
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 $1000 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 483041
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 40.24% Starting monthly payment: $54.28
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jul-2005 Debt/Income ratio: 17%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:5y 6m
Amount delinquent: $0 Total credit lines: 9 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $309Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: prophesy2 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
Lily surgery
Purpose of loan:
This loan will be used to? daughter surgery

My financial situation:
I am a good candidate for this loan because? I have never defaulted on anything and always pay on time.

Monthly net income: $ 1800

Monthly expenses: $ 1000
??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 483047
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 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-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 21 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,830Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: billi Borrower's state: Washington Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 720-739 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
680-699 (Sep-2009)
 
Principal balance: $1,121.18 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
purchase another piece of equipment
Purpose of loan:
This loan will be used to purchase a coffee roaster. A small loan to get new equipment and keep my capital from being used.

My financial situation:
I am a good candidate for this loan because I have over 9 years in the coffee industry and my 3 locations are making a good profit.? The first location was opened on April 8th, 2009 and the second Sept. 8th 2009.? The third is scheduled to open Friday the 12th.? I have invested all I have into the business and the banks will not lend to me because I am a new business and still un-bankable.? With both coffee shops now open I take home a little over $5500 a month and the rest goes back into the business to build the brand.? I invested over $85,000 in the first shop and a little over $30,000 in the second and just needed $15,000 into the third.? With just the first two locations I gross in sales of $65,000 a month.? Each location grosses a bit over $1100 a day at this point.?

Next step is coffee roasting.? Guaranteed to add $3500 a month gross profit.? I sell over 250lbs of coffee a week which I purchase roasted at $7.50 per pound wholesale.? If I begin to roast our own beans it will cost below $4 per pound saving me $3.50 per each pound roasted.

I pay a local roaster over $7500 a month just in roasted coffee.? If I roast alone I'll pay just under $4000 a month in green coffee and save over $3500 each month x 12 = 42,000 a year added gross profit.

This is a win/win situation and I never miss a payment.? I'll pay the length of the loan to help keep my capital balanced.?

Personal Monthly net income: $ $5500

Monthly expenses: $
??Housing: $ 1250
??Insurance: $ 350
??Car expenses: $ 500
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 150
??Clothing, household expenses $ 150
??Credit cards and other loans: "BUSINESS" pays all loans and credit - $1250 a month
??Other expenses: $ 1500

$4200 total personal expense.

I've used the other loan on Prosper to purchase and Ice machine back in November 2009 and its still running strong, never missed a payment and its been and easy transaction.? This next purchase will just add more value to the business.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 483053
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-1987 Debt/Income ratio: 18%
Credit score: 620-639 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 8 Current / open credit lines: 5 / 7Length of status:23y 0m
Amount delinquent: $6,794 Total credit lines: 54 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,266Stated income:$75,000-$99,999
Delinquencies in last 7y: 17 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: contract-superstar9 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% ) 620-639 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
640-659 (Jan-2010)
 
Principal balance: $2,508.88 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
consoditating bills
Purpose of loan:
This loan will be used to? consolidate some bills

My financial situation:
I am a good candidate for this loan because? i have been with prosper for 9 months and have made my payments

Monthly net income: $ 6000

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 483059
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.57% - 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-1999 Debt/Income ratio: 35%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 34 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,708Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: durability-mulberry 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: 10 ( 100% ) 700-719 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
720-739 (Dec-2009)
 
Principal balance: $1,120.04 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
My daughters Wedding
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 483089
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Dec-1992 Debt/Income ratio: 37%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 4 / 4Length of status:19y 8m
Amount delinquent: $5,446 Total credit lines: 21 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,755Stated income:$25,000-$49,999
Delinquencies in last 7y: 23 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: superb-dinero1 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
replace cooking desk & oven
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 473288
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,200.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95%  
   
 
Starting lender yield: 11.40% Starting borrower rate/APR: 12.40% / 14.54% Starting monthly payment: $307.33
 
Auction yield range: 5.57% - 11.40% Estimated loss impact: 5.14%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-1979 Debt/Income ratio: 9%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 27 / 24Length of status:23y 7m
Amount delinquent: $0 Total credit lines: 55 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,523Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: Yes  
Screen name: best-neighborly-social Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 780-799 (Latest)
Principal borrowed: $11,500.00< 31 days late: 0 ( 0% )  
760-779 (Jan-2010)
 
Principal balance: $8,916.34 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Reducing interest on credit accts
Purpose of loan:
This loan will be used to consolidate 3 credit accounts to a much better interest rate.? I have been paying them down and can make the payment plus additional amounts, but the interest rates are to much to overcome.?? Even with prompt payments and no?issues,?credit companies will not negotiate to reduce rates.

My financial situation:
I am a good candidate for this loan because in the past year I have significantly paid down my revolving debt, automobile, etc by making extra payments and snowballing remaining funds each month to pay on other accounts.??Purpose of this?loan is to achevie a better interest rate.

Recent payoff of automobile loan and some smaller accounts is not reflected in current credit score.


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 477060
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 16.57% Starting borrower rate/APR: 17.57% / 20.91% Starting monthly payment: $215.62
 
Auction yield range: 16.57% - 16.57% Estimated loss impact: 24.91%  
Lender servicing fee: 1.00% Estimated return: -8.34%  
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): 3 First credit line: Sep-1999 Debt/Income ratio: 32%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 8Length of status:5y 6m
Amount delinquent: $0 Total credit lines: 20 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,168Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: silver-producer 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: 10 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
640-659 (Nov-2009)
640-659 (Oct-2009)
 
Principal balance: $1,562.85 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
New kitchen
Purpose of loan:?New kitchen

My financial situation:?I am not likely to get funded but I am listing this anyway, mostly out of frustration with prospers new risk modeling that somehow figures I am a high risk loan candidate despite?my?good credit with 100% PERFECT ON TIME PAYMENTS FOR THE LAST?8 YEARS.? My current prosper loan had me at a?C credit rating and a prosper score of 9.? So if my credit score goes up by?40+ points and my debt goes down by nearly $4000 since my last loan?I am a bigger credit risk, right? Give me a break, prosper.? Loan candidates now have the pleasure of?their credit worthiness being based far more on the history of previous prosper loans, rather than their own credit history.? ??

Numbers below are my half of monthly expenses. My wife pays the other half.? I do not have a car payment or insurance payment or other vehicle expenses because I have a company vehicle included in my salary.? My employer pays all of those expenses, including my cell phone.? The mortgage for the house is in my wifes name, it is a very small mortgage, only about $40000. That is why the payment is so low.?


Monthly net income: $ 2314

Monthly expenses: $
??Housing: $ 225
??Insurance: $?included in mortgage payment
??Car expenses: $ 0
??Utilities: $ 115
??Phone, cable, internet: $ 40
??Food, entertainment: $ 400
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 337
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 479452
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $185.82
 
Auction yield range: 16.57% - 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: Sep-1991 Debt/Income ratio: 38%
Credit score: 620-639 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:19y 8m
Amount delinquent: $0 Total credit lines: 90 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,312Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: dupa1998 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 / 2 On-time: 10 ( 77% ) 620-639 (Latest)
Principal borrowed: $2,500.00< 31 days late: 3 ( 23% )  
620-639 (Sep-2010)
660-679 (Oct-2009)
640-659 (Sep-2009)
680-699 (Jul-2008)
 
Principal balance: $1,103.62 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Pay down debt...
Purpose of loan:
This loan will be used to consolidate my current prosper loan with five credit accounts.

My financial situation:
I am a good candidate for this loan because I still?maintain a great job with job security, and get receive a paycheck every two weeks.? I am really serious about paying off my debt and the only way to do that, is to receive this loan and have one payment for less than it would take me to pay each on separately.?

Monthly net income: $ 3,800

Monthly expenses: $ 3,000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482254
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 29.00% Starting borrower rate/APR: 30.00% / 33.61% Starting monthly payment: $148.58
 
Auction yield range: 13.57% - 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): 6 First credit line: Aug-1998 Debt/Income ratio: 5%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 9 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: first-bazaar-architect 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
Travel and Investing
Purpose of loan:
This loan will be used to?Travel and Investing?

My financial situation:
I am a good candidate for this loan because?I have no outstanding debt or rent payment?

Monthly net income: $ 2,188.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $?0
??Car expenses: $ 0
??Utilities: $ 80.00
??Phone, cable, internet: $ 66.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482372
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $185.82
 
Auction yield range: 16.57% - 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: Sep-2007 Debt/Income ratio: Not calculated
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 13 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: satisfying-peso Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my vehicle
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 482820
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $74.33
 
Auction yield range: 13.57% - 19.00% Estimated loss impact: 15.04%  
Lender servicing fee: 1.00% Estimated return: 3.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 21 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,719Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: No  
Screen name: gain-scout7 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 cards
Purpose of loan:
This loan will be used to pay off my credit cards before I have to start paying off my student loans.

My financial situation:
I am a good candidate for this loan because as a recent college graduate, I have a steady monthly income, but just don't want to pay such a high interest rate on my credit cards and would like to increase my credit score to build a better financial future for myself.

Monthly net income: $2,000

Monthly expenses: $1130
??Housing: $400
??Insurance: $0
??Car expenses: $100
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $200
??Clothing, household expenses $100
??Credit cards and other loans: $130
??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482832
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $112.17
 
Auction yield range: 13.57% - 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: Apr-1997 Debt/Income ratio: 22%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:2y 3m
Amount delinquent: $53,148 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,020Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: bid-britches Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
buying child quad for family trip
Purpose of loan:
This loan will be used to? Buy my son a quad for our family trip over thanksgiving break?

My financial situation:
I am a good candidate for this loan because? I have a job and i also get $987 a month from the VA for a disability. My wife is employed as well.

Monthly net income: $ 3500 for me alone

Monthly expenses: $
??Housing: $ 875
??Insurance: $ 100
??Car expenses:100
??Utilities:?150
??Phone, cable, internet: $ 60
??Food, entertainment: $ 250
??Clothing, household expenses $
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482838
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 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-1985 Debt/Income ratio: Not calculated
Credit score: 820-839 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:25y 9m
Amount delinquent: $0 Total credit lines: 36 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,461Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: exact-bid3 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 a bill
Purpose of loan:
This loan will be used to pay a bill?

My financial situation: good
I am a good candidate for this loan because I have a long term steading income?

Monthly net income: $ 6000

Monthly expenses: $ 3000
??Housing: $1200
??Insurance: $150
??Car expenses: $299
??Utilities: $200
??Phone, cable, internet: $150
??Food, entertainment: $300
??Clothing, household expenses $300
??Credit cards and other loans: $300
??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482862
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 36.00% / 39.75% Starting monthly payment: $229.02
 
Auction yield range: 16.57% - 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: May-1997 Debt/Income ratio: 48%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 10Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 6Length of status:4y 11m
Amount delinquent: $43 Total credit lines: 24 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,089Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: currency-caper 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
pay bilss and home imp
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 482868
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $260.15
 
Auction yield range: 16.57% - 19.00% Estimated loss impact: 19.36%  
Lender servicing fee: 1.00% Estimated return: -0.36%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1990 Debt/Income ratio: 20%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 4 / 4Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 26 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $888Stated income:$50,000-$74,999
Delinquencies in last 7y: 15 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: enriched-moola2 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business startup fund
Purpose of loan:
Purchase equipment for a business start-up.

My financial situation:
My debt to income is relatively low and I have some money saved but not enough to get started.

Monthly net income: $ 4400

Monthly expenses: $ 2600
??Housing: $ 700
??Insurance: $ 225
??Car expenses: $ 800
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482880
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.57% Starting borrower rate/APR: 14.57% / 17.85% Starting monthly payment: $258.41
 
Auction yield range: 13.57% - 13.57% Estimated loss impact: 14.78%  
Lender servicing fee: 1.00% Estimated return: -1.21%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-1997 Debt/Income ratio: 25%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:7y 10m
Amount delinquent: $0 Total credit lines: 17 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,992Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: SF33 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
Lower APR than my credit card
Purpose of loan:
This loan will be used to? pay down principle on a credit card that has a very high APR.

My financial situation:
I am a good candidate for this loan because?despite the high APR on my credit card and hence, extremely high monthly payments, financially I have been making the payments for almost 8 years.? I can stretch and meet the high payments without risk, so I can definitely manage lower payments.

Monthly net income: $ 2400

Monthly expenses: $
??Housing: $ 400
??Insurance: $ 40
??Car expenses: $ 350
??Utilities: $ 0
??Phone, cable, internet: $ 40
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482904
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.70%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 18.29% Starting monthly payment: $519.98
 
Auction yield range: 7.57% - 14.00% Estimated loss impact: 8.01%  
Lender servicing fee: 1.00% Estimated return: 5.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-1987 Debt/Income ratio: 36%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:7y 5m
Amount delinquent: $0 Total credit lines: 56 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $110,923Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: Pistol1023 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 3 ( 100% ) 780-799 (Latest)
Principal borrowed: $6,001.00< 31 days late: 0 ( 0% )  
740-759 (Mar-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 3  
Description
Consolidating Credit Cards
Purpose of loan:
This loan will be used to? consolidate my credit cards and other line of credit

My financial situation:
I am a good candidate for this loan because?as you can see my credit is good, I have steady income and will value a loan at a fair price. I have had a Prosper Loan in the past and paid if off in full and on time...my debt to income is a little high...and am working vigorously to get it down lower. This loan will help that. I have 3 Credit Cards at between 18-21% that I want to pay off......

Monthly net income: $ 14,000

Monthly expenses: $
??Housing: $ 2000
??Insurance: $ 200
??Car expenses: $ 350
??Utilities: $ 200
??Phone, cable, internet: $ 250
??Food, entertainment: $ 1000
??Clothing, household expenses $ 1000.00
??Credit cards and other loans: $ 1200.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482916
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $169.64
 
Auction yield range: 16.57% - 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: Sep-2001 Debt/Income ratio: 46%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 34 Occupation: Chemist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,858Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: marketplace-zenith0 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: 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: $1,672.62 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Debt consolidation
Purpose of loan:
This loan will be used to?
Pay off existing prosper loan and consolidate rest of very high intrest debt
My financial situation:
I am a good candidate for this loan because?
I want to consolidate my debt and lower the intrest on one credit card that is killing me in intrest rate.. have paid my other prosper loan ontime every month and my credit score has gone up since then


Monthly net income: $ 4300

Monthly expenses: $
??Housing: $ 661
??Insurance: $ 150
??Car expenses: $?350
??Utilities: $ 175
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 125
??Credit cards and other loans: $ 600
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482926
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $470.05
 
Auction yield range: 2.57% - 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: Mar-1984 Debt/Income ratio: 15%
Credit score: 840-859 (Oct-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:9y 9m
Amount delinquent: $0 Total credit lines: 37Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $539 
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: reward-rumbler4 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?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482944
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 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: Apr-1999 Debt/Income ratio: 11%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 14 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,835Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: bold-duty-drum Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Putting in new game room
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 482952
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $18,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55%  
   
 
Starting lender yield: 6.65% Starting borrower rate/APR: 7.65% / 7.99% Starting monthly payment: $561.15
 
Auction yield range: 2.57% - 6.65% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.10%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Nov-1998 Debt/Income ratio: 11%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 15 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,725Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: bye-bad-bad-bath Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
New Bathroom and Driveway
Purpose of loan:
Gut 1950s? bathroom and join 2011 with a comfortable bathroom that isn't falling down.? In addition to remodeling bathroom, I'd also like to use the time to repave our driveway which is also from 1950 (at least it looks like it) and the weather has destroyed it.


My financial situation:
I? pay off everything full and rarely borrow money, except my mortgage, but it seems in this economy banks only want to help other banks and not someone with AA credit and very little to no debt.? (details can be provided in addition to credit profile)


Why not take home equity?:
We love our home and bought below our means, but it seems like most of America ours is underwater but we still want to make it comfortable since we are staying put and have been put for 4+years.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482960
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1996 Debt/Income ratio: 44%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:26y 5m
Amount delinquent: $0 Total credit lines: 47 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,176Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: euro-pole Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
640-659 (Nov-2009)
 
Principal balance: $1,192.75 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Paying off credit cards
Purpose of loan:
This loan will be used to? pay for daughter's wedding and pay off a credit card

My financial situation:
I am a good candidate for this loan because? I have been at the same job for 26 years and always pay my bills on time

Monthly net income: $ 2200

Monthly expenses: $
??Housing: $ 750
??Insurance: $
??Car expenses: $ 50
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482962
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.00% Starting borrower rate/APR: 10.00% / 13.19% Starting monthly payment: $484.01
 
Auction yield range: 7.57% - 9.00% Estimated loss impact: 8.88%  
Lender servicing fee: 1.00% Estimated return: 0.12%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jan-2004 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 9 Occupation: Investor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $61Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: self-reliant-balance7 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
small business loan
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482972
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.57% - 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-1984 Debt/Income ratio: 3%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:11y 4m
Amount delinquent: $0 Total credit lines: 17 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $546Stated income:$25,000-$49,999
Delinquencies in last 7y: 21 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: leverage-bluebird Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??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 482984
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.57% Starting borrower rate/APR: 11.57% / 14.79% Starting monthly payment: $247.57
 
Auction yield range: 10.57% - 10.57% Estimated loss impact: 11.02%  
Lender servicing fee: 1.00% Estimated return: -0.45%  
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): 8 First credit line: Apr-1989 Debt/Income ratio: 12%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:14y 8m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $164,628Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: progressive-auction2 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
best % rate required
Purpose of loan:
This loan will be used to?

My financial situation: I am having a record year with my company and earning more than ever. this loan is intended for a stone fireplace for my wife.
I am a good candidate for this loan because? I have always paid my bills on time

Monthly net income: $ 164K annual >Monthly expenses: $ $4200??Housing: $ $2480
??Insurance: $$170.00
??Car expenses: $ normal and payment include in monthly expenses
??Utilities: $$150.00
??Phone, cable, internet: $ $150.00
??Food, entertainment: $ $1,000
??Clothing, household expenses $
??Credit cards and other loans: $included in monthly expenses
??Other expenses: $500.00.....general
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482990
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 3.06% - 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: May-1990 Debt/Income ratio: 6%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,063Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: basis-spartan4 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482996
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $248.80
 
Auction yield range: 16.57% - 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-1996 Debt/Income ratio: 14%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 12Length of status:5y 7m
Amount delinquent: $324 Total credit lines: 37 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $89,894Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: Yes  
Screen name: roi-boss 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
Short term loan needed
Purpose of loan:
This loan will be used to pay off a 401k (work) loan, which will enable me to take out a larger 401k loan to pay back this debt and also pay off all my credit card debt. This loan will be paid back within a month which is the anticipated time needed to finalize the transactions.

My financial situation:
I am a good candidate for this loan because I am true to my word, honest and fully employed and have been for the last 10 years. Prior to this I ran my own business for 10 years. Times are tight because my wife stopped working 3 years ago due to stage 4 metastatic cancer. We have been living off one income and run up about $17,000 in credit card debts during the last few years due to increased living costs and the loss of my wife's income.?I want to pay off this debt with a 401k loan which will free up an additional $300 monthly in saved fees. However, I am unable to take out any new 401k loans until I have paid the current loan in full, this is my employers policy.

This profile indicates that I have a revolving credit balance of $89,000, this is not accurate because $76,000 was a HELOC but has seen been converted into a 30 year fixed loan. The amount delinquent of $324 is accurate only because I am off on this payment by a few days every month in accordance with my pay schedule.

Monthly net income: $4,800 (after tax and 401k deductions)

Monthly expenses: $4,530


1st Mortgage??? ??? $2,116
2nd Mortgage??? ?? $325
Electricity??? ??? ????$300
Heat (oil)??? ??? ????? $114
Phone??? ??? ????????? $50
Cable??? ??? ?????????? $120
Car Insurance ??? ? $130
Gas??? ??? ???????????? $275???
Food ??? ??? ?????????? $500
Other??? ??? ?????????? $100
Credit Cards ??????? $500

If any further information is required please let me know.
Thank you for your consideration.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482998
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $246.78
 
Auction yield range: 13.57% - 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-2000 Debt/Income ratio: 16%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:13y 11m
Amount delinquent: $0 Total credit lines: 5Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $398 
Delinquencies in last 7y: 13 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: top-lucrative-cash 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
sentimental purchase
Purpose of loan:
This loan will be used to? purchase my deceased sons car from a private lender he was in process of buying from.????

My financial situation:
I am a good candidate for this loan because? my credit is decent and i have not had any late payments in last 5 yrs.??And my last listing was only76%? and income is actually 2600/mo from pension, SSi, and part time job,?but?im basing income off the 22k per year which prosper has verified which is?1833/mo and my total bills are 900/mo. So this allows me to afford the 247/mo note for this loan. And still put up for savings.????

Monthly net income: $ 2600.00

Monthly expenses: $
??Housing: $ 200
??Insurance: $?80
??Car expenses: $100
??Utilities: $ 130
??Phone, cable, internet: $110
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 60
??Other expenses: $?
????????????????????????????????????????????????Total = 900
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 483004
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 5.57% - 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: Aug-1987 Debt/Income ratio: 58%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:15y 8m
Amount delinquent: $0 Total credit lines: 37 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $41,471Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: well-mannered-dime1 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
Seeking Debit Freedom
Purpose of loan:
This loan will be used to? reduce a current payment of 1720.00 which I?have made?monthly and timely over the last two years.? This will allow me to reduce this payment and futher allowing me additional monies for savings and iinvestments.? As I will be settling the obligation which I have along with the 1720.00 payment per month, reducing interest rates being accrued.
My financial situation:
I am a good candidate for this loan because? I have been with the same company for over 15 yrs, I am with a company which has stability, I have a good salary?and I have the abiltity to pay this loan off sooner than later if approved.? I also have the ability to rely upon my partner of 8 years who together we live as jointly in our?financial obligations allowing me reduced responsibilities in?monthly?responsibilities so that I can work on improving myself and?the financial obligations I have taken on.?

Monthly net income: $ 3018.0

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 126.92
??Car expenses: $ 520.00
??Utilities: $?0
??Phone, cable, internet: $ 168.00
??Food, entertainment: $?100.00
??Clothing, household expenses $?50.00
??Credit cards and other loans: $?1942.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 483008
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,200.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $166.99
 
Auction yield range: 10.57% - 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): 8 First credit line: Jul-2003 Debt/Income ratio: 14%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:7y 8m
Amount delinquent: $0 Total credit lines: 12 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,268Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: No  
Screen name: Afrocentric Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Please help, need to move in dec.
Purpose of loan:
This loan will be used to move from my current address in december 2010, so i need to have the money ready by?December 1st?2010. I currently live with someone who?can barely pay their half of the rent, so i am forced to pay a little more each month, this why my goal is to move from this apartment a few days before christmas (that will be one of my many dreams come trough). December 31st is our deadline to move out, so once i get an apartment i won't have to put my?furnitures in?storage and stay with my sister (this is a last resort for me), I rather pay monthly payments on a loan than to pay to keep my stuff in storage, so I really need this money.

My financial situation:
I am a good candidate for this loan because I do pay all my bill on time, so you will not be disappointed.

Monthly net income: $ 3500

Monthly expenses: $
??Housing: $?1300
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 140
??Phone, cable, internet: $
??Food, entertainment: $ 200
??Clothing, household expenses $?60
??Credit cards and other loans: $ 250/month
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 483026
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% Starting borrower rate/APR: 17.57% / 20.91% Starting monthly payment: $179.69
 
Auction yield range: 16.57% - 16.57% Estimated loss impact: 37.51%  
Lender servicing fee: 1.00% Estimated return: -20.94%  
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): 1 First credit line: Dec-2007 Debt/Income ratio: Not calculated
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 2Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12 
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: inventive-currency7 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
Herbalife Home Business Investment
**Not as High Risk as I am Ranked** I am a soldier in the United States Army Reserve who recently got back from a deployment overseas, which contributed to my unemployed status. Though I am listed as having no income I am married to an Active Duty soldier which means we ALWAYS have steady income.

This loan will be used as an initial investment into my new home business as a Herbalife Distributor/Supervisor.

The following link provides a quick description of the Herbalife Corporation, stock overview, as well as a brief description of my soon to be function as a distributor. http://www.wikinvest.com/stock/Herbalife_(HLF)

Herbalife is poised to take advantage of the growing demand for Health and Wellness products in America, and with this investment I will too. I do not take this lightly nor with any preconceptions of an easy home business, but I do believe that with hard work, determination, and a little ingenuity I will be able to make this business work for me and one day will be a top sales leader in the Herbalife Corporation.

Using the Herbalife system for business development, within 3-6 months the average business owner makes around $2,500 per month, however, I am not the average business owner and know that I will exceed those standards. I am located near a military installation which is a veritable gold mine for the Health and Wellness Industry. With a $5,000 initial investment I will be able to jump start my business and start increasing profits right away.

I would like to thank bidding investors ahead of time for taking the time review my loan request and for trusting that your money will be repaid. I can tell you your trust is well placed, because regardless of where this home business goes I guarantee that this loan will be repaid in a timely manner. Thank You.

Net Household Income- $3,100 monthly
Rent- $650
Utilities- $175
Credit Card- $50
Car Payment- 0$

As you can see this loan is well within our means we simply have *insufficient credit history*, with excellent credit scores.

All initial profits from this business will be used to grow my customer base, advertise, and pay off this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 483032
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% Starting borrower rate/APR: 17.57% / 20.91% Starting monthly payment: $269.53
 
Auction yield range: 16.57% - 16.57% Estimated loss impact: 37.51%  
Lender servicing fee: 1.00% Estimated return: -20.94%  
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): 1 First credit line: Oct-1987 Debt/Income ratio: 28%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 4 Current / open credit lines: 3 / 5Length of status:14y 5m
Amount delinquent: $4,515 Total credit lines: 20 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,311Stated income:$50,000-$74,999
Delinquencies in last 7y: 17 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: wls_cardinal1 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 34 ( 97% ) 660-679 (Latest)
Principal borrowed: $13,500.00< 31 days late: 1 ( 3% )  
700-719 (Sep-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
credit cards &amp; tuition
Purpose of loan:
Pay off credit car and pay daughter's tuition for next semester

My financial situation:
I am a previous prosper borrow with a paid off loan. I had one late payment which was paid within a couple of days of being late.

Monthly net income: $ 2800 + spouse $4000

Monthly expenses: $
??Housing: $ 1800
??Insurance: $ 400
??Car expenses: $ 450
??Utilities: $ 350
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 483044
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 12 months Estimated loss: 5.95%  
   
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 20.75% Starting monthly payment: $179.01
 
Auction yield range: 4.97% - 12.40% Estimated loss impact: 6.16%  
Lender servicing fee: 1.00% Estimated return: 6.24%  
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): 9 First credit line: Oct-1997 Debt/Income ratio: 7%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,269Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: 1XLoan 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
Short term end of year loan
Purpose of loan:
This loan will be used to wrap up some end of year debt and make it until bonus time.

My financial situation:
I am a good candidate for this loan because the majority of my income comes at the end of the year by way of bonus, leaving these last couple months a bit tight. The money will go towards maintaining these next few months of bills, if need be, this loan can be paid off in full with all applicable interest on December 16th.


Monthly net income: $ 3,775

Monthly expenses: $
??Housing: $ 2900
??Insurance: $
??Car expenses: $
??Utilities: $ 200
??Phone, cable, internet: $ 120
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 483056
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 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): 3 First credit line: Oct-1990 Debt/Income ratio: 20%
Credit score: 600-619 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 5 / 6Length of status:11y 2m
Amount delinquent: $388 Total credit lines: 20 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,628Stated income:$75,000-$99,999
Delinquencies in last 7y: 18 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: SCHOOLTEACHER64 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: 27 ( 100% ) 600-619 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
620-639 (Jun-2008)
 
Principal balance: $2,361.93 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
TUITION FOR MASTER'S DEGREE
Purpose of loan:
This loan will be used to pay for my college courses for a Master's Degree in Special Education from Arkansas State University at Jonesboro? within the year.? Not only will these courses help me to become a better teacher, but it will also provide me with a substantial pay raise.?

(You're able to view the teacher's pay scale at my district by going to their link www.sbcusd.org then clicking "EMPLOYMENT", then clicking "CERTIFICATED HUMAN RESOURCES", then clicking "SALARY SCHEDULES", then clicking "APPENDIX A".? My current salary is at the 3rd column with 12 years experience).

My financial situation:
I am a good candidate for this loan because I MADE ALL MY FIRST PROSPER LOAN PAYMENTS ON TIME AND EVERY TIME, and I have high job security, in that I am a fully tenured teacher.

Monthly net income: $3,900

Monthly expenses: $
??Housing: $ 1,600
??Insurance: $ 25
??Car expenses: $ 500
??Utilities: $ 100 (Electric, gas, and water)
??Phone, cable, internet: $ 50
??Food, entertainment: $ 75
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 483092
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 35.35% / 39.08% Starting monthly payment: $227.17
 
Auction yield range: 13.57% - 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-2000 Debt/Income ratio: 14%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 9 Occupation: Clergy
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: gain-trombone 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
FAMILY EMERGENCY
Purpose of loan:
This loan will be used to? FAMILY EMERGENCY

My financial situation:
I am a good candidate for this loan because? I MAKE SURE I PAY OFF MY LOAN RIGHT AWAY.

Monthly net income: $ 35000.00

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