Listing Report:Supplement No. 116 dated Dec 16, 2010 to Prospectus dated Jul 26, 2010
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Listing Report supplements the prospectus dated Jul 26, 2010 and provides information about each loan request (referred to as a "listing") and series of Borrower Payment Dependent Notes (the "Notes") we are currently offering. Prospective investors should read this Listing Report supplement together with the prospectus dated Jul 26, 2010 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
The following series of Notes are currently being offered:
Borrower Payment Dependent Notes Series 417158
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,600.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $109.66
 
Auction yield range: 10.51% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Apr-1984 Debt/Income ratio: 12%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 3 Current / open credit lines: 7 / 7Length of status:17y 6m
Amount delinquent: $250 Total credit lines: 21 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $95,485Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: -Jon- Borrower's state: California Borrower's group: Automotive Technicians
Credit and homeownership information was obtained from 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:
????A divorced dad needs your help. After helping loan money to more than 20 Prosper customers I am in need of help. The money will be used to repay a loan. I have my kids almost 50% of the time and am landing on my feet after my wife of 11 years ran off with a man she was having an affair with. My children are everything and I have them almost 50% of the time.?

????The majority ($72k)?of the revolving credit balance is a home equity line of credit on an investment property in North Carolina. Since the divorce was finalized in November of 2008 I have purchased a primary residence. I put 20% down on my house. The investment property is turning a profit - I just need your help to make it through these next 6 months. Alimony will be finished in less than 13 months and finances will begin to be easier then. Any help is greatly appreciated. May God bless!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487404
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 36.28% Starting monthly payment: $65.50
 
Auction yield range: 13.51% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-1995 Debt/Income ratio: 8%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:9y 8m
Amount delinquent: $0 Total credit lines: 12 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $5,110Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 101%  
   Homeownership: No  
Screen name: power-baron 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: 7 ( 78% ) 640-659 (Latest)
Principal borrowed: $1,000.00< 31 days late: 2 ( 22% )  
660-679 (Feb-2010)
 
Principal balance: $796.77 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Paying down credit obligations
Purpose of loan:
This loan will be used to help pay down?some obligations.?


My financial situation:
I am a good candidate for this loan because I intend to use these funds to paydown my credit obligations and continue my mission to pay off high interest credit debt.?

Monthly net income: $ appx. $4000.00

Monthly expenses: $
??Housing: $?spouse handles
??Insurance: $?spouse handles
??Car expenses: $?spouse handles
??Utilities: $ 150.00 my share
??Phone, cable, internet: $?100.00 my share
??Food, entertainment: $?spouse handles
??Clothing, household expenses $?spouse handles
??Credit cards and other loans: $ 300.00
??Other expenses: $ 50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487774
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $316.65
 
Auction yield range: 16.51% - 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: Mar-1995 Debt/Income ratio: 44%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 34 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,747Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: Yes  
Screen name: enterprising-market260 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
consolidating debt.. 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 487878
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $87.33
 
Auction yield range: 13.51% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-1990 Debt/Income ratio: 366%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:13y 10m
Amount delinquent: $0 Total credit lines: 23 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,999Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: No  
Screen name: wonderful-dedication3 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
Phasing out of the red!
Purpose of loan:
This loan will be used to pay off 3 payday loans and make my car payment without visiting 'Check n' Go.'? I will also use the loan to pay my medical prescription co-pays; i.e., insulin and other supplies, and to help me adjust to a recent pay cut and medical insurance premium increase.??Living in CA has its?downside, unfortunately.???

My financial situation:
I am a good candidate for this loan because I am very secure in my job, and I'm committed to?improving my financial health for my own benefit, as well as for the benefit of my family and friends.? I am also committed to improving my ability to obtain loans at lower interest rates, in the future.

Monthly net income: $2100

Monthly expenses: $
??Housing: $
??Insurance: $ 75
??Car expenses: $400
??Utilities: $ 125
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $ 75
??Credit cards and other loans: $?600
??Other expenses: $ 275
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487884
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70%  
   
 
Starting lender yield: 20.40% Starting borrower rate/APR: 21.40% / 24.82% Starting monthly payment: $378.81
 
Auction yield range: 7.51% - 20.40% Estimated loss impact: 9.18%  
Lender servicing fee: 1.00% Estimated return: 11.22%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-1992 Debt/Income ratio: 30%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,838Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: gourd124 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
Pay off debt- Decide.Commit.Succeed
Purpose of loan:
This loan will be used to pay off high interest rate credit cards so I can actually pay them off instead of paying minimum payments

My financial situation:
I am a good candidate for this loan because I have a very stable employment record and have consistently increased my income and receive promotions even in this economy.? I continue to education myself and improve my skills making myself employable.? I currently make $85,000 yr in my full-time job and approximately $10,000 in part-time commission based job I do because I enjoy it.? Over the last couple years my husband's business has slowed due to the state of the economy so we are able to pay bills etc. but my goal is to get rid of all debt allowing us to have more breathing room to save for the future or future dreams of having a business.

Monthly net income: $ 4800 plus part-time commission ranges $800
Monthly expenses: $?3570
??Housing: $?1200
??Insurance: $?200
??Car expenses: $770
??Utilities: $?150
??Phone, cable, internet: $?150
??Food, entertainment: $?600
??Clothing, household expenses $ varies
??Credit cards and other loans: $?300
??Other expenses: $?200 gas
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487896
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Oct-2005 Debt/Income ratio: 48%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:14y 9m
Amount delinquent: $0 Total credit lines: 10 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: blissful-listing624 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
pay bills
Purpose of loan:
This loan will be used to?pay off some of my?bills?

My financial situation:
I am a good candidate for this loan because? i nake sure all my loans r paid on time

Monthly net income: $
1300
Monthly expenses: $
??Housing: $ 230
??Insurance: $ 200
??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 487914
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $247.37
 
Auction yield range: 10.51% - 26.75% Estimated loss impact: 10.47%  
Lender servicing fee: 1.00% Estimated return: 16.28%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-2004 Debt/Income ratio: 10%
Credit score: 620-639 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 3 Current / open credit lines: 3 / 3Length of status:1y 11m
Amount delinquent: $12,304 Total credit lines: 16 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $143Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: No  
Screen name: Sokarnox Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,600.00< 31 days late: 0 ( 0% )  
660-679 (Feb-2010)
 
Principal balance: $1,038.34 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Truck Repair - Refinance Loan
Purpose of loan:
This loan will be used to pay for truck repairs ($3,400 new transmission, $800 for new power steering pump) and $1,038.34 to pay off my other prosper loan.

Q & A:
Yes I have an open bankruptcy until July 2012.
No I can not add any new dept to the bankruptcy (my bankruptcy court date was July 2009)
The Amount delinquent of $12,304 is from my bankruptcy and will be discharged on July 2012
I have one open Credit card with a credit limit of $300 that I use for gas / food.
I will be paying my other prosper loan in full once I get this loan.

My financial situation:
I am a good candidate for this loan because I make good money as a hard working professional software developer and have not missed one payment on my other prosper loan.

Monthly net income: $2,600

Monthly expenses: $1,652
??Housing: $529
??Insurance: $90
??Car expenses: $200 (gas)
??Utilities: $62
??Phone, cable, internet: $137
??Food, entertainment: $300
??Clothing, household expenses $50
??Credit cards and other loans: $0
? Cell phone: $110
? Bankruptcy payment: $174
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487926
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $207.70
 
Auction yield range: 5.51% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-1993 Debt/Income ratio: 33%
Credit score: 800-819 (Dec-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:11y 6m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,986Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: felicity-trooper Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit card debt
Purpose of loan:
This loan will be used to?pay medical bills off my husband just had a stroke.

My financial situation:
I am a good candidate for this loan because?I pay all of my bills on time I am very responsible and can afford to pay 600a month back or more.

Monthly net income: $4500
Monthly expenses: $150
??Housing: $457
??Insurance: $
??Car expenses: $own and car insurance is paid up for the year
??Utilities: $
??Phone, cable, internet: $25
??Food, entertainment: $ 200
??Clothing, household expenses $50
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487932
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 40.24% Starting monthly payment: $54.28
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Dec-1999 Debt/Income ratio: 29%
Credit score: 600-619 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 4 Current / open credit lines: 6 / 5Length of status:1y 4m
Amount delinquent: $1,613 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 28 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: prozor999 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 62 ( 91% ) 600-619 (Latest)
Principal borrowed: $3,800.00< 31 days late: 6 ( 9% )  
580-599 (Feb-2008)
580-599 (Jul-2007)
560-579 (Jun-2007)
 
Principal balance: $314.17 31+ days late: 0 ( 0% )
Total payments billed: 68  
Description
credit
Purpose of loan:
This loan will be used to?paying off credit cards?

My financial situation:
I am a good candidate for this loan because?I paid off one?Prosper loan,next four month I will paid off secund?loan.Thank you Prosper!?

Monthly net income: $ 2640

Monthly expenses: $
??Housing: $ 350
??Insurance: $ 100
??Car expenses: $ 200
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $?550
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487944
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 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: Feb-1996 Debt/Income ratio: 18%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 8Length of status:12y 8m
Amount delinquent: $710 Total credit lines: 26 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,663Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: exponential-bazaar6 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
Rebuild credit - payoff 2 cards
Purpose of loan:
This loan will be used to pay-off a couple small credit cards and position myself solidly in 2011.

My financial situation:
I am a good candidate for this loan because I own my house with equity, have a long time and solid job, and have taken measures to reduce expenses while increasing income in 2011. I got into a financial mess this past year after having non-recurring major medical and home bills.

Monthly net income: $ 4500

Monthly expenses: $
??Housing: $ 2390
??Insurance: $ 75
??Car expenses: $ 0
??Utilities: $ 180
??Phone, cable, internet: $ 120
??Food, entertainment: $ 550
??Clothing, household expenses $ 120
??Credit cards and other loans: $ 600
??Other expenses: $ 125
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488060
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1996 Debt/Income ratio: 25%
Credit score: 620-639 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 5 Current / open credit lines: 14 / 13Length of status:5y 0m
Amount delinquent: $2,071 Total credit lines: 48 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,294Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Bankcard utilization: 68%  
   Homeownership: No  
Screen name: bobbilou Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 14 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
640-659 (Apr-2008)
740-759 (Jul-2006)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
Auto Repairs
Purpose of loan:
This loan will be used for auto repairs

My financial situation:
I am a good candidate for this loan because I just paid off my car and have that monthly payment set aside

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 488108
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 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-1988 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 15 Occupation: Landscaping
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $16,461Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: marketplace-saga Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
There are three inquiries listed in my report for the last six months. Last month I traded in an older vehicle which had a value of $11000 and a balance due of $6000, the account with ford credit has been paid in full and closed a year early and was always paid on time. The difference was used as a down payment for a newer vehicle which is more suitable for work as well and I was preapproved to finance the difference at a rate of 1.9 percent, payments are below $400.00 a month. Insurance is paid for the year. When I was at the dealership, even though I had a letter from ford credit stating that I was pre-approved and not to run my credit a second time, they did. The third inquiry is from Prosper.com. Listed on my report is a revolving credit balance of $16,461, but $11,000 plus of this amount is based on an American Express account for which I am not the primary card holder and use very rarely. This account was opened in 1988 and is shared with a sibling and parent who is the primary card holderand is always current but often carries large balances as it used in their business activities as well. the responsibility of payment is not mine unless I use it for something and I am only a secondary card holder. The public record listed in 10 year history and only negative history I have was due to a California Franchise Tax Board error . I have no liens, no bankruptcies and no outstanding debts which are past due. -- The debt that I do have which I would like to reduce to one monthly payment is as follows: A Beneficial loan which is almost paid off and was at an extremely high interest rate, the balance due is approx. $1000 and is current, never late and carries a payment of $159 each month I have three Capital One accounts which total $4500 and are current but have been paying minimum payments for too long. I have one HSBC account which was opened with the Beneficial Loan and has a balance to close of approx. $600.00 Closing these accounts will reduce my monthly payments to the car loan and prosper loan only and credit cards will be for absolute emergency use only and just one. The difference will help with a couple of payments and $400.00 will be used to purchase a laptop for an A+ student who is top of her class and has a sweet sixteen coming up in January. I/We greatly appreciate your consideration, this would help to reduce the stress that has built up from paying too many different payments for too long and help to increase my credit score in the hopes of buying a first home as soon as possible. My family has been very kind to offer a rental home which became available during the downturn and is offered at only upkeep and utilities so I would like to use this opportunity to repair my credit. I do feel worthy of a lower rate but do not have the option to request one, please consider offering a lower rate as my true goal is to reduce debt. Thank You.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488110
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50%  
   
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $359.87
 
Auction yield range: 3.51% - 9.95% Estimated loss impact: 3.53%  
Lender servicing fee: 1.00% Estimated return: 6.42%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jan-1988 Debt/Income ratio: 22%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:21y 0m
Amount delinquent: $0 Total credit lines: 31 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,963Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: Yes  
Screen name: bonafide-order4 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
My loan for home impr.-credit cards
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? I pay all my bills on time and pay the balance until it's paid out
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488114
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: 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: $203.56
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Mar-2000 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 11Length of status:0y 4m
Amount delinquent: $1,315 Total credit lines: 38 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,971Stated income:$25,000-$49,999
Delinquencies in last 7y: 25 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: impeccable-bid 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
need fund to get married
Purpose of loan:
This loan will be used to? get ring

My financial situation:
I am a good candidate for this loan because? made mistakes in the past and have dug out, now about to get married and combine incomes

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 1140
??Insurance: $ 400?
??Car expenses: $ 400
??Utilities: $ 300
??Phone, cable, internet: $ 100?
??Food, entertainment: $ 300
??Clothing, household expenses $50
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488126
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,250.00 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: $147.02
 
Auction yield range: 16.51% - 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: Mar-1995 Debt/Income ratio: 15%
Credit score: 600-619 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 7 Current / open credit lines: 5 / 5Length of status:1y 5m
Amount delinquent: $11,297 Total credit lines: 25 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,271Stated income:$25,000-$49,999
Delinquencies in last 7y: 22 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: chicagofan 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 / 2 On-time: 47 ( 100% ) 600-619 (Latest)
Principal borrowed: $4,500.00< 31 days late: 0 ( 0% )  
620-639 (Oct-2009)
620-639 (Aug-2009)
560-579 (Apr-2008)
620-639 (Sep-2007)
 
Principal balance: $1,138.53 31+ days late: 0 ( 0% )
Total payments billed: 47  
Description
Great Investment - Son Needs Braces
Purpose of loan:
This loan will be used to pay for my sons braces.?

My financial situation:
I am a good candidate for this loan because I have always paid my prosper loans on time.? This will be my third prosper loan if funded and I will not let potential investors down.? This is a great investment for lenders and you won't be disappointed.? I have been working on trying to get my credit cleaned up for the past couple of years.? After filing bankruptcy?3 years ago I thought I would start to see an improvement.? I am working on getting the delinquents off my report as they were included with the bankruptcy.? My report says they will be removed in 2014.? Why that is I do not know.? It has been a long process and I know I have a long way to go but I will get there in time.? I paid a prosper loan off this year which was $116 and I know I can easily afford $150.

Monthly net income: $ Mine - 2000.00? My Wife's - 2200.00? Total - 4,200.00

Monthly expenses: $ 3200.00
??Housing: $ 750
??Insurance: $ 225
??Car expenses: $ 200 (Both vehicles we own are paid?off)
??Utilities: $ 200
??Phone, cable, internet: $?225
??Food, entertainment: $ 450
??Clothing, household expenses $ 300
??Credit cards and other loans: $?459

I assure you I am an excellent investment and will not let you down.? Please bid confidently and? hopefully I will be able to get my son's braces put on in January.? Any questions please ask.? Thanks for any and all bids.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488128
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50%  
   
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $490.73
 
Auction yield range: 3.51% - 9.95% Estimated loss impact: 3.53%  
Lender servicing fee: 1.00% Estimated return: 6.42%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Dec-1988 Debt/Income ratio: 9%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 14 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,389Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: understanding-loyalty740 Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Growing Business Needs Equipment
Purpose of loan:
This loan will be used to purchase new equipment for my startup business (began in 2008) which has seen exponential growth over the last year. Our current equipment is not able to fulfill customer demand.

My financial situation:
I am a good candidate for this loan because I have a 760+ credit score, and have never missed or been late on a payment. My business has revenues of $300,000 and is expected to be grow 50% next year as we enter new markets. We have no debt, and all of our equipment is paid for. We have at least $10,000 in our checking account at all times.

Monthly net income: $ 7,500

Monthly expenses: $ 3,075
??Housing: $ 650
??Insurance: $ 125
??Car expenses: $200
??Utilities: $ 250
??Phone, cable, internet: $ 100
??Food, entertainment: $ 750
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 0
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488132
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1995 Debt/Income ratio: 57%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 6Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 26 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,103Stated income:$1-$24,999
Delinquencies in last 7y: 25 Bankcard utilization: 76%  
   Homeownership: No  
Screen name: jkronewitter1385 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
Going back to Community College
Purpose of loan:
This loan will be used as a bridge between my class start date and when I get my Financial Aid Refund back. I will be attending Jackson Community College and entering into an Accelerated Business Program where I will be getting a Bachelor's in Business Administration in 3 years instead of 4. It is a very rigorous program that cohorts with Sienna Heights University. So this will be paid off completely by the time I have my degree. :) Since the way the classes are set up in such a condensed manner, it makes the availablitity of my Aid Refund that will be going towards books, fees, and housing to come long after the start of classes. So I really need this so I can get everything necessary and a roof over my head closer to school.

My financial situation:
I am a good candidate for this loan because I am in a full-time Managerial position in my job that I love. That's one of the main reasons for my focus in Business Admiinistration. I am financially capable. When I was younger I made a few mistakes with my money, but over the years I have taken my finances very seriously and although they don't look like a bright shiny new penny, they are looking up. I am more than capable of making payments on this and any other obligations I have. I am a very high achiever and will do whatever it takes to make my way.

Monthly net income: $ 1900 with Financial Aid

Monthly expenses: $ 1100
??Housing: $350
??Insurance: $50
??Car expenses: $70
??Utilities: $0 (included in rent)
??Phone, cable, internet: $ 0 (included in rent)
??Food, entertainment: $100
??Clothing, household expenses $50
??Credit cards and other loans: $ 250
??Other expenses: $ This loan $230
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488144
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $316.34
 
Auction yield range: 10.51% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1986 Debt/Income ratio: 16%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:9y 2m
Amount delinquent: $0 Total credit lines: 12 Occupation: Postal Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,043Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: orbital-truth2 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
Postman paying off Credit cards
Purpose of loan:
This loan will be used to pay off some higher interest credits.

My financial situation:
I am a good candidate for this loan because I am a dependable person, in a VERY secure job who only wants to leave my divorce behind and start over. I have a solid history, and very good credit that shows I pay my bills on time every time. I do not have rent or car bills .

Monthly net income: $ Just under 3,000 a month

Monthly expenses: $
??Housing: $ I have NO rent. I live in a house that is owned by my family.
??Insurance: $ I have only my life insurance which is 100 a month .
??Car expenses: $ My car is totally paid off and insurance is prepaid for a year. I dont drive much as I work in Manhattan.
??Utilities: $ ZERO
??Phone, cable, internet: $ 200 A month.
??Food, entertainment: $ 200 a month
??Clothing, household expenses $ 100 a month
??Credit cards and other loans: $ a few hundred a month which will be replaced by this loan .
??Other expenses: $ I have very few expenses . I work long hours, come home sleep and go back to work. My credit cards are only charged because I paid for my divorce attorney on them.

Thank you for considering me.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488150
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 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-2004 Debt/Income ratio: 15%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 7 Occupation: Fireman
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,768Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: No  
Screen name: dime-captain6 Borrower's state: Hawaii Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Out with the Old, In with the New!
Purpose of loan:
This loan will be used to? consolidate, consolidate, consolidate- finally aiming to bring??my 2 credit cards into one payment and start the new year off right.
My financial situation:
I am a good candidate for this loan because? solid,?stable income, looking to pay it off quickly as well.?Will repay on time, every month.

Monthly net income: $ 4000

Monthly expenses: $?
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488152
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.30%  
   
 
Starting lender yield: 6.65% Starting borrower rate/APR: 7.65% / 7.99% Starting monthly payment: $62.35
 
Auction yield range: 2.51% - 6.65% Estimated loss impact: 1.30%  
Lender servicing fee: 1.00% Estimated return: 5.35%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jan-2000 Debt/Income ratio: 4%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:16y 4m
Amount delinquent: $0 Total credit lines: 17 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $679Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: Kissabledevil Borrower's state: California Borrower's group: LendersClub
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 9 ( 100% ) 780-799 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
800-819 (Nov-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Vacation To Hong Kong
Purpose of loan:
This loan will be used to?? Pay for the cost of the plane fare for my trip to Hong Kong to visit family for Chinese New Year 2011, plus?a little extra. I will be paying this on my credit card and already have the funds to pay for this but with the loan will have extra money accesible if i need for emergencies.

My financial situation:
I am a good candidate for this loan because? Hmm not that bad of a score drop since my last loan. The drop is only because i accidently signed up for a Belk store card which is already paid off. Getting the loan in? 3 yr payment terms so i have leeway to pre pay or not depending on local/world situation.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488170
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 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: Jul-1992 Debt/Income ratio: 6%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 4 Current / open credit lines: 2 / 2Length of status:1y 4m
Amount delinquent: $21,251 Total credit lines: 56 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 35 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: rslonake Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan:
Debt Consolidation?

My financial situation:
I am a good candidate for this loan because, although I had some delinquencies in the past, my current financial and employment standing is much stronger.

Please note-- Although I have a large number of open accounts, the majority are student loans currently in deferrment; payments will begin in?3 years.

My wife and I have resided in our current home for over 16 years. We have two children, 15 and 11.

Monthly net income: $ 4,600

Monthly expenses: $
??Housing: $ 1700
??Insurance: $ 200
??Car expenses: $
??Utilities: $ 200
??Phone, cable, internet: $ 250
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 225
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488174
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 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: Mar-2004 Debt/Income ratio: 41%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,109Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: cannon886 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 2 ( 100% ) 720-739 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
700-719 (Sep-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 2  
Description
Paying off my debt
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488176
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,700.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $205.23
 
Auction yield range: 13.51% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-1994 Debt/Income ratio: 22%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:25y 8m
Amount delinquent: $0 Total credit lines: 12 Occupation: Accountant/CPA
Public records last 12m / 10y: 2/ 3 Revolving credit balance: $3,458Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: green-resplendent-platinum 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
getting back on track!
Purpose of loan:
This loan will be used to? payoff?some items & improve my financial position. I cannot accept a rate higher then 15% or it will not?achieve what I'm seeking to accomplish. thank you!????????

My financial situation:
I am a good candidate for this loan because? I am a municipal employee with a very good job,?same employer for over 25 years. I have lived in the same home for over 17years. Very stable & responsible. (Please note: the two public records reported to the credit bureau in 2010 were for income tax due the State of Michigan, both were smaller amounts, approx. $1,000 (Michigan reports any tax due exceeding $500). Both have been paid in full & I can provide verification.)

Monthly net income: $ 3,840 (gross is $5,042)

Monthly expenses: $3,039
??Housing: $941
??Insurance: $57
??Car expenses: $516?
??Utilities: $224
??Phone, cable, internet: $78
??Food, entertainment: $500
??Clothing, household expenses $200
??Credit cards and other loans: $523
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488180
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-1996 Debt/Income ratio: 8%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 1Length of status:9y 7m
Amount delinquent: $0 Total credit lines: 10 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: benjamins-boomer4 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
just purchased home and need improv
Purpose of loan:
This loan will be used to?
I have just finished a roofing project and need to do the gutters in order to complete that improvement
My financial situation:
I am a good candidate for this loan because?I have been on my present employment for almost 10 years and this is not only my first home but my retirement home. I have about 15 years to complete the home remodeling so I am doing only sections at a time using small loans and savings. ?

Monthly net income: $ 3000, to increase yeraly with step increases of 4% and cost of living increases of 1 to 2 %

Monthly expenses: $ my net ration with this loan is still below 33% with all monthly cost accounted for.
??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 488182
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $235.02
 
Auction yield range: 2.51% - 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: Apr-1993 Debt/Income ratio: 10%
Credit score: 820-839 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:7y 3m
Amount delinquent: $0 Total credit lines: 68 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $55,548Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: Yes  
Screen name: competent-p2p 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
Investment
Purpose of loan:
I will use this loan to invest.

My financial situation:
I am a good candidate for this loan because?I?can afford this payment without any return on the investment.? I have an additional 2K/mo income from my wife that is not included in my income.? Please note - the revolving credit number is misleading as it includes a HELOC on my primary residence of 52K.? The only debt I have is student loans and mortgages.? I use a?CC?for all my expenditures to get the rewards but pay off the balance each month.? Feel free to send questions.??Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488192
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 60 months Estimated loss: 5.95%  
   
 
Starting lender yield: 16.90% Starting borrower rate/APR: 17.90% / 19.33% Starting monthly payment: $380.09
 
Auction yield range: 6.00% - 16.90% Estimated loss impact: 6.24%  
Lender servicing fee: 1.00% Estimated return: 10.66%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1985 Debt/Income ratio: 11%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:16y 10m
Amount delinquent: $0 Total credit lines: 33 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,280Stated income:$75,000-$99,999
Delinquencies in last 7y: 4 Bankcard utilization: 18%  
   Homeownership: No  
Screen name: loot-umbrella2 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
Personal loan for business venture
Purpose of loan:
This loan will be used to help spouse finance new business venture.?

My financial situation:
I am a good candidate for this loan because? I have a solid?work ethic and history.?

Monthly net income: $ 4600.00

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488194
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 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: Mar-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 2 Current / open credit lines: 7 / 6Length of status:2y 4m
Amount delinquent: $945 Total credit lines: 25 Occupation: Tradesman - Carpent...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,375Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: benevolent-value5 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off debt
Purpose of loan:
This loan will be used to?
pay off debt
My financial situation:
I am a good candidate for this loan because?
good cash flow
Monthly net income: $
4000
Monthly expenses: $
??Housing: $500
??Insurance: $150
??Car expenses: $
??Utilities: $300
??Phone, cable, internet: $ 200
??Food, entertainment: $400
??Clothing, household expenses $100??Credit cards and other loans: $ 300
??Other expenses: $ 860 child support
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488200
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $316.34
 
Auction yield range: 10.51% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jan-1999 Debt/Income ratio: 9%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 16 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,916Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: No  
Screen name: top-gain-cosmos 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
Remodeling New Home Purchase
Purpose of loan:
I am seeking a loan for home improvements for our new born. My wife and I have a new addition to the family and we would like to create a nursery in our new home which will facilitate and foster the academic growth of our wonderful baby girl. My two sons play football and do "O.K". in school so? Jasmine (my little girl)? is our last chance to produce a doctor in the family so we want to get an early start with her education with the perfect learning environment.

My financial situation:
I am a good candidate for this loan because my dept income ratio is very low and I always pay my bills on time. I have never had a late payment in my life. I have excellent credit believe strongly in paying my bills on time.

Monthly net income: $ 8,750.00

Monthly expenses: $
??Housing: $ 3,000.00
??Insurance: $ 350.00
??Car expenses: $ PAID
??Utilities: $ 400.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 300.00
??Credit cards and other loans: $ 400
??Other expenses: $ NONE
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488206
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $103.07
 
Auction yield range: 10.51% - 26.75% Estimated loss impact: 10.47%  
Lender servicing fee: 1.00% Estimated return: 16.28%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-2000 Debt/Income ratio: 8%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:4y 6m
Amount delinquent: $10,298 Total credit lines: 29 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,938Stated income:$100,000+
Delinquencies in last 7y: 30 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: paytonsdad Borrower's state: Missouri Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 34 ( 100% ) 680-699 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
740-759 (Mar-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
Relist Higher Int. rate -need tires
Relisting with higher interest rate - guess I thought I'd get it done with the lower amount since my last loan was about 8% here. This loan will be used to get new tires,christmas, help with new grandbaby coming and hold us over till march when my yearly commission/bonus comes in.
My financial situation:back on the uprise . My company is tied to the auto and housing industry, so we took a major paycut - -about 25% BUT has now been put back to normal and is on the rise. My wife has Multiple Sclerosis, and now receives disablilty which is an additional $1200/month that is just starting.
I am a good candidate for this loan because as you can see I paid off my last loan in full and intend to do the same here.
Monthly net income: $ 5500 + yealry commissionm ( approx $15,000 /yr now)
Yes there is 1 delinquency on my record. All of the lates fees are tied to one credit card used trying to keep up with the pay cut. When I couldn't keep up I decided to pay all the others that were in good standing. I will make this debt good. I am figuring to pay off my other debts that are in good standing 1st, then work on this one. My home is one of the few that is not upside down. I owe about $264K and the homes are about$270-275K right now.
please feel free to contact me with any questions. I'd prefer to try a loan with prosper before i head to a titlemax store - their rates are overboard.
thank you for your consideration!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469419
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $206.14
 
Auction yield range: 10.51% - 26.75% Estimated loss impact: 10.47%  
Lender servicing fee: 1.00% Estimated return: 16.28%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1982 Debt/Income ratio: 31%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 13 / 14Length of status:29y 2m
Amount delinquent: $1,846 Total credit lines: 40 Occupation: Fireman
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,621Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: whitestache 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: 35 ( 100% ) 740-759 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
700-719 (Dec-2007)
 
Principal balance: $514.95 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Need a second used car
Purpose of loan:
This loan will be used to purchase a second used vehicle.
My financial situation:
I am a good candidate for this loan because I am making my last payment on my Prosper loan this month. 100% on time @ 520.00 a month. We had 1 delinquent payment (not to Prosper)?due to a bad month -?property taxes due that month over 6000.00?and had a major purchase for hearing aids 5575.00.
Monthly net income: $ 5500.00

Monthly expenses: $
??Housing: $ 1678.26
??Insurance: $ 455.00
??Car expenses: $ 516.00
??Utilities: $ 130.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 25.00-50.00
??Credit cards and other loans: $ 250.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486959
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,700.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $152.55
 
Auction yield range: 10.51% - 26.75% Estimated loss impact: 10.47%  
Lender servicing fee: 1.00% Estimated return: 16.28%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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: May-2007 Debt/Income ratio: 15%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 23 Occupation: Student - College J...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $932Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: No  
Screen name: asksteevs Borrower's state: Montana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 17 ( 100% ) 700-719 (Latest)
Principal borrowed: $1,800.00< 31 days late: 0 ( 0% )  
620-639 (Jul-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 17  
Description
Help us take the next step!
Purpose of loan:
This loan will be used to take our photography business to the next level. Our business has really started to take off, and it?s a challenge to keep up with editing and processing photos from our shoots. This loan will be used to fun the purchase of a computer that will cut our time spent editing by an estimated 70-80% so we can spend less time in front of the computer and more time marketing and further expanding our business.

My financial situation:
I am an excellent candidate for this loan because I have never missed a payment. I?m a full-time student, and work two jobs, all the while running the business with my wonderful wife. We have never defaulted or missed payments, and we never will, because we always do what it takes to be successful.

We are in a unique financial situation because of the fact that I?m in school, and have fixed monthly expenses, and have proven to ourselves over the last three years that this financial situation is sustainable. Next month, our car and two credit cards will be paid off, freeing up a monthly $200 expense.

Thank you so much in your consideration for this loan. I know it will be a good investment and am so thankful that people like those here at Prosper are helping us to realize our dreams. Thanks!

Monthly net income: ~$900 on W-2, $500+ business, $1100+ financial aid.

Monthly expenses: ~$1578 (next month ~1378 + Prosper payments)
??Housing: $613
??Insurance: $30 average
??Car expenses: $200 (next month to be ~$50)
??Utilities: $60-$100
??Phone, cable, internet: $95 phone, $17 internet, no TV
??Food, entertainment: ~$100
??Clothing, household expenses ~$150
??Credit cards and other loans: ~$250 (next month an on $150)
??Other expenses: ~$50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487485
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $168.71
 
Auction yield range: 10.51% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-1991 Debt/Income ratio: 22%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 11Length of status:9y 11m
Amount delinquent: $0 Total credit lines: 47 Occupation: Pilot - Private/Com...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $46,545Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: genuine-kindness8 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off 401 loan.
Purpose of loan:
This loan will be used to pay off an existing 401k loan?

My financial situation:
I am a good candidate for this loan because I have good credit history and have always paid off my loans?

Monthly net income: $ 9,000.00

Monthly expenses: $
??Housing: $ 3500.00
??Insurance: $ 150.00
??Car expenses: $ 700.00
??Utilities: $ 550.00
??Phone, cable, internet: $ 125.00
??Food, entertainment: $?525.00
??Clothing, household expenses $ 275.00
??Credit cards and other loans: $ 3800.00
??Other expenses: $ 300.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487839
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,200.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 34.56% Starting monthly payment: $50.61
 
Auction yield range: 10.51% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-1983 Debt/Income ratio: 18%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:6y 2m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $88,204Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: newest-admirable-coin 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
holiday loan for family
Purpose of loan:
This loan will be used to? help purchase gifts for christmas for family.?? prior major repair to car drained savings several months ago

My financial situation:
I am a good candidate for this loan because? i am a disabled, retired postal worker on full disability, recieve 100% wages for life

Monthly net income: $ 4500

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 200
??Car expenses: $ 400
??Utilities: $?300
??Phone, cable, internet: $ 150
??Food, entertainment: $ 600
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1500
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487863
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $81.42
 
Auction yield range: 16.51% - 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-1999 Debt/Income ratio: 10%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 52 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,112Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: reasonable-currency6 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to consolidate and pay off credit cards.

My financial situation:
I am a good candidate for this loan because I always believe in making payments on time and often more then the minimum amount due. Due to situations beyond my control I was forced to file bankruptcy and was discharged in 2008, Since that time I have worked hard to always make payments on time and build my credit scores back up.

Monthly net income: $ $2,1000.00

Monthly expenses: $1884
??Housing: $881.00
??Insurance: $48.00
??Car expenses: $75.00
??Utilities: $150.00
??Phone, cable, internet: $80.00
??Food, entertainment: $200.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $250.00
??Other expenses: $100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487869
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Jun-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 2 Occupation: Food Service
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: loan-voltage4 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
Equipment for the Restaurant
Purpose of loan:
This loan will be used for Funding to purchase:

1.? 4-37" wide screen TV's
2.? Kitchen Wares
3.? Employee Clothing
4.? Advertising

My financial situation:
I am a good candidate for this loan because the business has already been purchased.? It is located in the Quality Inn Hotel in Ellensburg, WA. Revenue is derived from the: 1) Restaurant, which serves breakfast, lunch and dinner. 2) The Sports Lounge which seat 150 people with dance floor. 3) Meeting and Banquet Facilities and Full Service Catering. 4) Room Service to the 106 room Quality Inn hotel.

Monthly net income: $2673.00 (Personal)

Monthly expenses: $
??Housing: $ 186.00
??Insurance: $ 56.00
??Car expenses: $ 86.00
??Utilities: $ 49.00
??Phone, cable, internet: $ 56.00
??Food, entertainment: $ 380.00
??Clothing, household expenses $ 114.00
??Credit cards and other loans: $ 0.00
??Other expenses: $ 109.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487875
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $162.85
 
Auction yield range: 16.51% - 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-1987 Debt/Income ratio: 14%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 51 Occupation: Professional
Public records last 12m / 10y: 2/ 3 Revolving credit balance: $2,249Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: historic-affluence Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan is to pay down debt
Purpose of loan:
This loan will be used to consolidate debt.

My financial situation:
I am a good candidate for this loan because I pay on-time.? I had a business I closed in 2007 which causes the bankruptcy on my personal account.

Monthly net income: $5700

Monthly expenses: $ 2800

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487881
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
Auction yield range: 16.51% - 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-1987 Debt/Income ratio: 34%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:9y 3m
Amount delinquent: $0 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $72,610Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: helpful-revenue8 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
Paying off Credit Card
Purpose of loan:
I am hoping to get a loan to help me payoff an American Express balance.? I have enough for half the balance, but just need $1500 more to?bring the balance down to zero.? Any help you can give me would be so much appreciated.? Once I get this balance paid off, I will be able to get?back on track.

My financial situation:
I am a good candidate for this loan because I have a steady income and pay my bills on time. I just need a little cash upfront to pay off this one credit card in the time that it is due.

Monthly net income: $ 5700 (This does not include my husbands income)

Monthly expenses: $
??Housing: $ 2362
??Insurance: $
??Car expenses: $?200
??Utilities: $ 260
??Phone, cable, internet: $ 200
??Food, entertainment: $ 600
??Clothing, household expenses $ 100
??Credit cards and other loans: $?1132
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487887
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $210.89
 
Auction yield range: 10.51% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1993 Debt/Income ratio: 6%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 11 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $447Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: bill-goat 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 for college.
Purpose of loan:
This loan will be used to?
Pay for school, and also buy a new computer.?

My financial situation:
I am a good candidate for this loan because?
I make enough to pay back this loan.
Monthly net income: $ 4000

Monthly expenses: $ 2500
??Housing: $ 934
??Insurance: $ 60
??Car expenses: $ 70
??Utilities: $ 400
??Phone, cable, internet: $ 60
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487899
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $316.34
 
Auction yield range: 10.51% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Dec-1991 Debt/Income ratio: 40%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 23 / 22Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 58 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $178,835Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: velocity-elation Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to consolidate small balance credit cards to improve cash flow on a monthly basis.

My financial situation:
I am a good candidate for this loan because I come from a two income household with an annual income of $165,000.? All debt is paid on time and has gotten to the level it is at primarily from daycare expense over a 5 year period.? The phase of our life is behind us and we are now digging out slowly.

Monthly net income: $9,000

Monthly expenses: $
??Housing: $ 1375
??Insurance: $ 170
??Car expenses: $ 900
??Utilities: $ 350
??Phone, cable, internet: $ 120
??Food, entertainment: $?800
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 2500
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487911
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $210.89
 
Auction yield range: 10.51% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-2007 Debt/Income ratio: 16%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 4 Occupation: Student - College S...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $174Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: No  
Screen name: Marauderrt10 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
Need help :(
Purpose of loan:
This loan will be used to pay to fix my mustang.

My financial situation:
I am a good candidate for this loan because I have no bills, I have a good credit score, I make very good money at my job. I really need this loan, I have no vehicle to go anywhere, I have to rely on other people to drive me places. I also have about $50,000 worth of liquid assets.

Monthly net income: $2000

Monthly expenses: $
??Housing: $0
??Insurance: $0
??Car expenses: $0
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $250
??Clothing, household expenses $0
??Credit cards and other loans: $125
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487935
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 5.51% - 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: Sep-1966 Debt/Income ratio: 20%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 10Length of status:9y 7m
Amount delinquent: $76 Total credit lines: 19 Occupation: Principal
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $12,496Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: bliss4 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Loan
Dear Prosper Lenders, particularly those who have previously bid on this loan request:
I withdrew my previous listing and am re-listing it now because Prosper was not able to accept the verification of all of my actual income.? Although they acknowledge that I have it, (after an overly extensive verication process),?because of regulations they cannot count it all, and so now my Prosper rating is now lower.? (This is painful for me because my total income, including my salary and profit distributions from income and development properties, is more then enough for an 'AA' rating, and, my income will actually be substantially higher in this coming year).? Nevertheless, even at the higher rate this money will be very useful to me right now, so I am willing to bite the bullet and pay the higher rate.? I can only hope you all will believe in me enough bid down the rate to a more reasonable level.? Thank you.? Steve

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

My financial situation:
I am a good candidate for this loan because? I have plenty of assets, (a net worth of over $5MM), just very tight liquidity right now.? I am in a business where I simply cannot have?any defaults.? I am conscientious, responsible, honorable, and not paying back a loan is simply not an option.? Near the beginning of next year one large project will be liquidated and I will get back nearly $500K in personal equity, plus profit. This is an 18 unit residential condominium?building in Brooklyn which is complete; more than half the units are under contract in the 5 months since roll-out.? I am also part owner and the managing partner?of a family owned portfolio of commercial properties in Manhattan.? .Also?I am co-owner of two?large development properties in?Costa Rica, one of which may be sold in the coming year, and the other is being gradually developed and is now worth several times what we have invested into it..?I can comfortably maintain this loan from my normal income. I have low debt and a $3MM life insurance policy.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487941
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 4.00% - 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: Oct-1995 Debt/Income ratio: 17%
Credit score: 800-819 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:16y 3m
Amount delinquent: $0 Total credit lines: 27 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $151,953Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 27%  
   Homeownership: Yes  
Screen name: CapitalismRocks 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 old debt
Purpose of loan:
This loan will be used to pay off old debt which includes a credit card and 3 student loans.? With this loan, I will also be able to sharpen my credit score by permanently removing 3 open items (the old student loans).? Currently, the minimum payments of the credit card combined with the student loans is almost double what the monthly payment would be with this new loan.? Also, only paying the minimum on the credit card and the student loans will result in many more years of payment obligations than this new loan term of 5 years.

My financial situation:
I am a good candidate for this loan because I have had perfect credit all my life, never missing any payments.? Also, I have been employed at the same job for 16+ years and resided in the same home for over 7 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488095
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $164.91
 
Auction yield range: 10.51% - 26.75% Estimated loss impact: 10.47%  
Lender servicing fee: 1.00% Estimated return: 16.28%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1998 Debt/Income ratio: 49%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 11 / 5Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 31Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $904 
Delinquencies in last 7y: 2 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: Retiredsailor65 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: 34 ( 100% ) 740-759 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
740-759 (Nov-2010)
700-719 (Apr-2010)
700-719 (Jan-2010)
680-699 (Oct-2009)
 
Principal balance: $373.08 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
Lower monthly living cost
Purpose of loan:
This loan will be used to?dept consolidation?

My financial situation:
I am a good candidate for this loan because?I'm retired from the Navy and on social security and with this consolidation?I will lower my monthly expences. ?

Monthly net income: $ 2400

Monthly expenses: $ 2058
??Housing: $?300??Insurance: $ 94
??Car expenses: $479
??Utilities: $ 100
??Phone, cable, internet: $ 48
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $637?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488101
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $316.34
 
Auction yield range: 10.51% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-1984 Debt/Income ratio: 47%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 18Length of status:22y 11m
Amount delinquent: $0 Total credit lines: 48 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,150Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: scrappy-rupee2 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
updating kitchen, new appliances
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 488119
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Aug-1991 Debt/Income ratio: 39%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:36y 9m
Amount delinquent: $0 Total credit lines: 32 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,294Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: No  
Screen name: rasgvsu Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 660-679 (Latest)
Principal borrowed: $12,000.00< 31 days late: 0 ( 0% )  
680-699 (Oct-2010)
720-739 (Oct-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Furthering my Career through School
Purpose of loan:

I am 66 years old and I am looking for a new lease on life. I want to go back to college to finish up my masters and really make a dent in my life. I have been at the same company for many many years and a new opportunity has arisen. So I want to go back and finish up to get this much deserved promotion and set myself up for much more success.

My financial situation:

I have always been frugal with money and have been at my job for well over 30 years. As the Dean?s Assistant and with the tenure I have established I am very financially sound even if my credit score doesn't think so. I live life and maybe those credit scoring people don't look highly on that, but I know I look much better in person than on paper. As my mother told me it is useless to amass a lot of property that you will never use. So I own very few things and as such have no really big expenses. I would have no problem paying off this loan and making my new promotion a reality.

Monthly net income: $2400


Monthly expenses: $1620
Housing: $ 300
Insurance: $ 200
Car expenses: $ 100
Utilities: $ 30
Phone, cable, internet: $ 60
Food, entertainment: $ 100
Clothing, household expenses $ 100
Credit cards and other loans: $ 500
Prosper Loan: $ 230
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488123
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-1987 Debt/Income ratio: 61%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 6Length of status:4y 11m
Amount delinquent: $496 Total credit lines: 44 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,145Stated income:$1-$24,999
Delinquencies in last 7y: 29 Bankcard utilization: 64%  
   Homeownership: No  
Screen name: Lorim29401 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Great job
Monthly net income: $
1000
Monthly expenses: $
??Housing: $ 0
??Insurance: $
??Car expenses: 0$
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 120
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488135
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 40.24% Starting monthly payment: $54.28
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Sep-1990 Debt/Income ratio: Not calculated
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:15y 3m
Amount delinquent: $0 Total credit lines: 3 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: LittleOne86 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
We Need Repairs to Leaking Roof
We need urgent repair to our roof.? Insurance paid us $609.59 taking out $500.00 deductible.? Roof will cost $1,809.59 to repair.? We do not have the money to make this up!??

My husband and I have a Net Income of $4,243.00 with expenses of $3,162.00 leaving us $1,081.00

Please help us!? Christmas is coming and we do not have the money to get the roof?repaired.?

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488137
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $305.66
 
Auction yield range: 13.51% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1999 Debt/Income ratio: 23%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,686Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: systematic-contract7 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Payoff Large Credit Card Balance
Purpose of loan: Building new home and want to payoff a large credit card balance?before closing.
This loan will be used to?

My financial situation: Have already been pre-qualified to build our new dream home & we?want to payoff a large credit card?balance before closing.?Have always?made payments on time and?honored all of my commitments.??
I am a good candidate for this loan because?

Monthly net income: $ 4600

Monthly expenses: $?3768
??Housing: $ 1605
??Insurance: $ 158
??Car expenses: $ 441?
??Utilities: $ 229
??Phone, cable, internet: $ 135
??Food, entertainment: $ 400
??Clothing, household expenses $ 200?
??Credit cards and other loans: $?400 (will be $100 after payoff of a credit card with this loan)
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488141
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Aug-1994 Debt/Income ratio: 6%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 0 / 0Length of status:3y 2m
Amount delinquent: $1 Total credit lines: 6 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: community-contributor5 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
KIA Optima and pay for funeral
Purpose of loan:
This loan will be used to? Car and Nephews funeral

My financial situation:
I am a good candidate for this loan because?
I have a full and part time job with perfect attendence.
Monthly net income: $ 2,000

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 100
??Car expenses: $50
??Utilities: $85
??Phone, cable, internet: $39
??Food, entertainment: $50
??Clothing, household expenses $ 20
??Credit cards and other loans: $ no credit cards only use debit
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488149
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50%  
   
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $147.22
 
Auction yield range: 3.51% - 9.95% Estimated loss impact: 3.53%  
Lender servicing fee: 1.00% Estimated return: 6.42%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Apr-2000 Debt/Income ratio: 11%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,190Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: No  
Screen name: order-wizard2 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off another loan at higher rate
Purpose of loan:
This loan will be used to?
Pay off a loan that I got at a higher rate and buy some furniture that I need.
My financial situation:
I am a good candidate for this loan because? I am good borrower.? Never have been late, delinquent, or had any accounts in collections.? I have a stable job history and I am employed for a growing company.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488153
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 35.64% Starting monthly payment: $42.18
 
Auction yield range: 10.51% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1990 Debt/Income ratio: 23%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 14 / 6Length of status:3y 6m
Amount delinquent: $41 Total credit lines: 20 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,195Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: Yes  
Screen name: scrappy-payment1 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan: get up to date on bills and pay off the ones i can
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? i want to get back on track before it gets any further

Monthly net income: $ 1250

Monthly expenses: $
??Housing: $ 235
??Insurance: $ 60
??Car expenses: $ 20
??Utilities: $ 120
??Phone, cable, internet: $ 70
??Food, entertainment: $ 80
??Clothing, household expenses $ 10
??Credit cards and other loans: $ 100
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488161
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jan-2005 Debt/Income ratio: 30%
Credit score: 600-619 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:8y 5m
Amount delinquent: $0 Total credit lines: 37 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,061Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: artezia Borrower's state: Illinois Borrower's group: BuildingTree
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 33 ( 92% ) 600-619 (Latest)
Principal borrowed: $2,350.00< 31 days late: 3 ( 8% )  
600-619 (Aug-2009)
540-559 (Oct-2007)
540-559 (Sep-2007)
540-559 (Aug-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
PROVEN BORROWER SEEKING 2ND LOAD
Purpose of the loan:This loan will be used to? To pay off my three credit cards to improve my credit rating because I am planning on purchasing my first home next year. This loan I hope will boost my credit rating after the cards are paid off which will allow me to purchase a home with a normal interest rate?for my family next year.
My financial situation: I work a full time job and I am a good candidate for this loan because? I am a Leander and a borrower here on the prosper market place. My prosper loan is now paid in full and all of my payments in the past have always been on time.?I am hoping the prosper lenders will bid towards a lower interest rate so I can get this loan. I feel I have proved my credit worthiness here on Prosper by repaying my current loan on time every month so I am looking for a break in the interest charge so I will not have to pay the 35% I am forced to start with because of my credit rating... I feel I have earned the right for a lower amount and I will pay every dime on time every month. So leaders will not lose bidding on me... I will pay on time every month.
Monthly net income: $ 2200

Monthly expenses: $
Housing: $ 800.00
Insurance: $ 0
Car expenses: $ 0
Utilities: $ 125.00
Phone, cable, internet: $ 120
Food, entertainment: $ 200
Clothing, household expenses $ 150
Credit cards and other loans: $ 225
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488171
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Nov-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 12Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 10 / 10Length of status:1y 5m
Amount delinquent: $74 Total credit lines: 14 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $778Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: kind-sharp-deal 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
Cash Flow for business
Purpose of loan:
This loan will be used for cash flow in business.

My financial situation:
I am a good candidate for this loan because my business has sell's due to come in the door by the end of this month.

Monthly net income: $ 4500

Monthly expenses: $ 1500
??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 488183
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: May-1991 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:20y 6m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,221Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: No  
Screen name: unique-fairness363 Borrower's state: Wyoming Borrower's group: N/A
Credit and homeownership information was obtained from 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 chair bases
Purpose of loan:
This loan will be used to buy bases for hydrolic chairs?

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

Monthly net income: $
4500.00
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 600
??Car expenses: $ 225
??Utilities: $ 200
??Phone, cable, internet: $ 192
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488197
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 36.28% Starting monthly payment: $65.50
 
Auction yield range: 13.51% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1999 Debt/Income ratio: Not calculated
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 1 Current / open credit lines: 2 / 2Length of status:15y 7m
Amount delinquent: $0 Total credit lines: 7Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $181 
Delinquencies in last 7y: 17 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: scoobs11 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: 0 / 1 On-time: 35 ( 100% ) 680-699 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
680-699 (Sep-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Holiday gifts for my 16 grandkids
Purpose of loan:
This loan is going to be used to buy Christmas presents for my 16 grandchildren. I have been unable to buy presents for them in the past because there are so many of them. I decided this year that I would buy them all 1 gift to make up for the previous years.
My financial situation:
I am a good candidate for this loan because the only person I have to take care of is me. All of my children are grown with families of their own. I have provided my financial summary below for you to view. I am also a good candidate for this loan because, I had 1 loan with prosper before for 5,000. I paid this loan on time every month as promised until it was paid off.

Monthly net income: $ 1100

Monthly expenses: $
??Housing: $ 525
? Phone, cable$ 70.00
??Food $200.00
? household expenses $ 30.00
??Credit cards: $50.00 - this is more than the min. payment, and is sometimes all I owe.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488203
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
 
Auction yield range: 16.51% - 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: 44%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,179Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: bold-exciting-greenback 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 misc bills
Purpose of loan:
This loan will be used to? pay off a few different misc. bills. To keep my credit in good standing and to help my sister who is a single mother of 3

My financial situation:
I am a good candidate for this loan because? I have ALWAYS paid off my debts, I am very proud of my credit rating

Monthly net income: $ 2700.00

Monthly expenses: $
??Housing: $ 700.00
??Insurance: $ 95.00????????
??Car expenses: $ 180.00
??Utilities: $ 0
??Phone, cable, internet: $ 55.00
??Food, entertainment: $ 45.00????
??Clothing, household expenses $?50.00
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488207
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-1988 Debt/Income ratio: 35%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 26 / 25Length of status:25y 7m
Amount delinquent: $0 Total credit lines: 35 Occupation: Military Officer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $108,903Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: deal-pagoda2 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
Looking to Invest and Prosper
Purpose of loan:
This loan will be used to continue to invest in real estate and diversify investment portfolio with peer to peer lending.

My financial situation:
I am a good candidate for this loan because I?have never missed a monthly payment in my entire life.? I have?a stable, secure monthly income with a monthly government check of over $10K and rental income of?almost $8K with a positive cash flow of over $1,500.??The investment properties with mortgages?explains the HR rating, but does not take into account almost $500K in equity.??

New to?Prosper so this will be an interesting experience, especially if this get funded at 35%.? Wow what a return for all you smart investors.??

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488213
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $327.49
 
Auction yield range: 13.51% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: May-2004 Debt/Income ratio: 16%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,436Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: return-locomotive Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Wedding Loan
Purpose of loan:
This loan will be used to? Pay for my wedding in August of 2011

My financial situation:
I am a good candidate for this loan because?I am my own buisness owner and pay bills on time with?no debt owed only my house mortgage which I pay monthly.?

Monthly net income: $ 3500

Monthly expenses: $
??Housing: $ 1200
??Insurance: $?60
??Car expenses: $ 300
??Utilities: $ 100
??Phone, cable, internet: $ 40
??Food, entertainment: $ 50
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 100
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488215
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-1988 Debt/Income ratio: 40%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 28 / 28Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 45 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,007Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: velocity-speaker 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 14 ( 100% ) 740-759 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
740-759 (Sep-2009)
 
Principal balance: $3,315.31 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
payoffcreditcarddebt/homerepair
Purpose of loan:
This loan will be used to?payoffcreditdebtdebt/homerepair

My financial situation:
I am a good candidate for this loan because?i pay my bills and am a responsible person?

Monthly net income: $ 2800

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 488219
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: 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: $203.56
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Oct-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 3 Current / open credit lines: 4 / 4Length of status:1y 5m
Amount delinquent: $1,108 Total credit lines: 38 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 7 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: ceilli Borrower's state: Texas Borrower's group: P2P Financial
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 30 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,700.00< 31 days late: 0 ( 0% )  
640-659 (Nov-2010)
660-679 (Jan-2010)
620-639 (Nov-2007)
560-579 (Nov-2006)
 
Principal balance: $936.86 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Building My Community Newspaper
Purpose of loan:
The purpose of this loan is to continue building my newspaper business. My previous loan was used to get it into print. Now I need to get more visibility and purchase my own bins and racks to put in public places. The Bay Area Observer has been in print now for 10 months and is doing extremely well. I?ve expanded the distribution area from one community to nine communities. I have successfully established my newspaper as the premier community newspaper in our area. I plan to buy refurbished racks, and will need 10 outside racks for $2,000 and 40 inside bins for $1,320. My profile shows an amount of $1, 076 that is delinquent, however, I've just made a payment and brought that down to $876. With a Prosper loan I will pay off the remaining $876 to USAA. My financial situation:
My financial situation is stable and my income is growing as my business does better each month. I have one saleperson in the field selling advertising, and I've just hired a second to cover our expanding territory. The newspaper is now sustaining itself with advertising revenue and subscription sales. I?ve paid one Prosper loan off with no late payments, and my current loan has never been late. My current debts are very manageable. I?m single with no children, so my personal expenses such as clothing, food etc. are low. I have made arrangements with USAA to pay off my credit card without having a charge-off. I owe $1,200 on my vehicle, and it will be paid in full in three more payments, taking an extra $422 off my monthly expenses.Monthly net income: $2100.00Monthly expenses: $973.00Housing: $0.00Insurance: $43.00 per month
Car expenses: $422.00 per monthUtilities: $100.00Phone, cable, internet: $50.00Food, entertainment: $150.00Clothing, household expenses $100.00Credit cards and loans $63.00 per monthExisting Prosper Loan: $45.00 per month
Information in the Description is not verified.