Listing Report:Supplement No. 11 dated Dec 29, 2010 to Prospectus dated Dec 20, 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 Dec 20, 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 Dec 20, 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 489303
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $6,000 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 17.07% Monthly payment: $207.70
 
Lender servicing fee: 1.00% Effective Yield*: 13.67%  
Estimated return*: 7.72%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-1994 Debt/Income ratio: 35%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 37 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $45,983Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: edifice5 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
Property Taxes and Auto Loan Buyout
Purpose of loan: Upon approval this loan will be used to pay 2010 Property Taxes and?a vehicle?Auto Loan.

My financial situation: Financially sound professional awaiting release of payment on 2010 bonus compensation package that is scheduled for late February or early March. Bonus compensation equals 13-14% of gross earnings and is weighted on overall company performance. Company earnings came in over 103% of?targeted revenue; thus?maximum bonus allowance will be awarded to all eligible company personnel including myself. Bonus compensation checks will be in the amount of $10,000 and up.

Why Prosper Lending: As a former small business owner for 5 years, the opportunity to maximize cash flow is critical. Through Prosper Lending I feel that this platform provides both the Lenders and the Borrowers the opportunity to see improved returns on their investments and increased cash flow, respectively.

Financial Breakdown: The financial objective of this loan is to increase immediate cash flow while minimizing associated costs; yet bringing a return to the investors. The goal is to pay this loan off in 4-6 months.

Borrower Payments Due
2010 Property Taxes:$3254.50
Auto Loan Balance:$1800.00
Total Amount Due: $5054.50

Loan Application Amount
Prosper Loan Amount:$6000
Prosper Loan Costs:$180
Interest Rate:17.07%
Loan Payout:$5820

6 MONTH AMORTIZATION TABLE
Month/Year:???????? Jan. 2011
Payment:???????????? $207.70??
Principal Paid:????? $124.91
Interest Paid:??????? $82.79
Total Interest:?????? $82.79
Balance:????????????? $5,695.09

Month/Year:???????? Feb. 2011
Payment:???????????? $207.70
Principal Paid:????? $126.69
Interest Paid:??????? $81.01
Total Interest:??????? $163.80
Balance:?????????????? $5,568.40

Month/Year:???????? Mar. 2011
Payment:???????????? $5,207.70
Principal Paid:????? $5,128.49
Interest Paid:??????? $79.21
Total Interest:??????? $243.01
Balance:?????????????? $439.91

Month/Year:????????April 2011
Payment:????????????$207.70
Principal Paid:???? $201.44
Interest Paid:?????? $6.26
Total Interest:?????? $249.27
Balance:????????????? $238.46

Month/Year:????????May 2011
Payment:????????????$207.70
Principal Paid:?????$204.31
Interest Paid:???????$3.39
Total Interest:???????$252.66
Balance:????????????? $34.15

Month/Year:????????June 2011
Payment:????????????$34.64
Principal Paid:?????$34.15
Interest Paid:???????$0.49
Total Interest:???????$253.15
Balance:????????????? $0.00

Total Cost Prosper Loan:
$180.00 Closing Fee + $253.15 Interest = $433.15 Total Cost of Loan
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489307
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,000 Estimated loss*: 14.20%  
Term: 36 months  
 
Lender yield: 31.20% Borrower rate/APR: 32.20% / 35.86% Monthly payment: $218.33
 
Lender servicing fee: 1.00% Effective Yield*: 29.77%  
Estimated return*: 15.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1997 Debt/Income ratio: 21%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 21 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,703Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: p2ploan-dreamer 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
Small business seed money
Purpose of loan:
This loan will be used to purchase equipment and materials to start my custom products and prototyping business. I have many years as a designer engineer and my current employer has cut my work back. This giving me the needed time to pursue my dream, and to apply my knowledge and skills to improve my future.

My financial situation:
I am a good candidate for this loan, based on the low monthly payment and the large markup in the products I plan to produce. Along with a business plan that is designed to grow and evolve the business slowly and with little debt after start up.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489319
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 14.20%  
Term: 36 months  
 
Lender yield: 31.20% Borrower rate/APR: 32.20% / 35.86% Monthly payment: $152.83
 
Lender servicing fee: 1.00% Effective Yield*: 29.77%  
Estimated return*: 15.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1999 Debt/Income ratio: 12%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $32,394Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: Yes  
Screen name: courteous-community355 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off two small balance credit cards, and to pay a family member for a loan provided to me some time ago. They can really use the lump sum due to being on a fixed income. I have had a very stable employment history, and in the same industry for the past 14 years. I changed employers a year ago when I was looking for new opportunities, after being at my previous employer for 13 years. My industry is doing well and our company is very stable.

My financial situation: My credit score is improving and is currently hit because I have to use my personal credit cards for business travel. Since these cards have a low available credit line, my utilization rate suffers. The public record on my credit was due to a mortgage servicer change where they did not transfer and pay out of the escrow on time for property tax. That was paid as soon as I realized what happened.
I am a good candidate for this loan because I have a very stable job and income, with health insurance for my family, etc.

Monthly net income: $6,068 after retirement, insurance, flexible spending account deductions
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489321
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 4.95%  
Term: 36 months  
 
Lender yield: 12.40% Borrower rate/APR: 13.40% / 15.55% Monthly payment: $508.30
 
Lender servicing fee: 1.00% Effective Yield*: 12.19%  
Estimated return*: 7.24%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-1990 Debt/Income ratio: 5%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:17y 8m
Amount delinquent: $0 Total credit lines: 35 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $360,130Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: believeingoodness Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 13 ( 100% ) 740-759 (Latest)
Principal borrowed: $20,000.00< 31 days late: 0 ( 0% )  
680-699 (Apr-2008)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Need small add'l $: Great Equipment
Only SMALL Amount of total needed to get great deal for business equipment!Purpose of loan:
This loan will be used to buy equipment for a chain store I own. This is from a chain store in another that is closing due to owner retiring. The equipment is only 27 months old (parent company made us all upgrade machines in Spring of 2008) and is worth $125k new? I am buying for less than half price ($60k) and have $45k of my own cash to pay for it and just need SMALL loan to get total needed - as this is cash only deal? This equipment will enable me to earn additional $75-90k a year in production revenue.Since I have only owned business short time, I am financing this all on my own (personal cash and this personal loan). This is a perfect time to get discounted equipment and expand the business so I am hoping I can find the small amount extra I need to get this opportunity! My financial situation:
I am a good candidate for this loan because I am very well employed (17 years same occupation) AND now own a business (which is what above equipment is for) that earns a small profit. I have owned my own home for the last 11 years and pay all my bills on time. I am very capable of paying loan off and have had a prosper loan before which I paid on time! I have also improved my credit rating over 50 points since last loan :)
Monthly net income: $300k+ I have averaged over $250k for last 7-8 years. This year I am at $397k. I deferred over $100k for tax purposes and that is why I don't have more cash to pay for the entire $60k on my own. I will have over $100k in deferred income coming in as well in 2012 and in 2013.
Monthly expenses: $
??Housing: $ 2490
??Insurance: $ 270
??Car expenses: $450
??Utilities: $ 200
??Phone, cable, internet: $180
??Food, entertainment: $ 600
??Clothing, household expenses $ 360
??Credit cards and other loans: $ 0 credit cards (pay in full), rental condo has loans of $1200 and is covered in rents.
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489331
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 17.07% Monthly payment: $276.93
 
Lender servicing fee: 1.00% Effective Yield*: 13.67%  
Estimated return*: 7.72%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1979 Debt/Income ratio: 28%
Credit score: 820-839 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 16Length of status:13y 4m
Amount delinquent: $0 Total credit lines: 54 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,995Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 33%  
   Homeownership: Yes  
Screen name: red-euro-blossom Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards; education
For the past number of years, I have been the main provider for three sons. At this point, two of the three have finished college and have found excellent career jobs. My youngest son is in the middle of his third year in college. We have worked together to meet college and living expenses and they have been fortunate to receive grants and scholarships, hold down jobs (even as student athletes), and continue to pursue their goals. However, even with these circumstances, I have accumulated substantial debt that I would like to eliminate. I have continued to pay my bills in a timely manner throughout these years and will continue to do so with this loan. In addition to my teaching position, I also have private piano students and take free-lance playing jobs whenever possible. This provides an additional income of approximately $6000/year. When viewing my expenses, please keep in mind this additional income and realize that the amount listed for payment of debt will be replaced by the lesser amount due on this loan. Finally, I can attest to the merits of peer lending as I run a non-profit in Kenya and know that this method is beneficial to both parties. At this point, I have done my very best to support my boys as they have grown into men, have been a diligent and invested teacher, and also am trying to do my part to help a village on the other side of the world. I am blessed and fortunate to have the life I do. I would just like to make things a bit easier at this stage of my life. Thanks so much!

Monthly net income: $ 3500.00

Monthly expenses:
??Housing: $1500.00
??Insurance: included
??Car expenses: $250.00
??Utilities: $120.00
??Cell phones, cable, internet: $150.00
??Food, entertainment: $400.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $600.00
??Other expenses: $100 - gas
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489337
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 17.07% Monthly payment: $207.70
 
Lender servicing fee: 1.00% Effective Yield*: 13.67%  
Estimated return*: 7.72%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-1996 Debt/Income ratio: 37%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 39 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,048Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: green-thankful-dinero 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
Engagement Ring
Engagement Ring:
This loan will be used to purchase an engagement ring.

My financial situation:
I am a good candidate for this loan because I have a very steady position at an Anheuser-Busch distributer as a business analyst. I am a professional that has obtained an MBA from the University of Louisiana Lafayette, and I also own a Web Design LLC that produces extra income. I pay all bills promptly, using "auto-pay" features whenever possible. This loan will carry zero risk to lender, guaranteed. Thank you for your consideration.

Monthly net income: $3,200

Monthly expenses: $
??Housing: $200
??Insurance: $0
??Car expenses: $350
??Utilities: $150
??Phone, cable, internet: $170
??Food, entertainment: $250
??Clothing, household expenses $100
??Credit cards and other loans: $1200
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489377
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.20%  
Term: 36 months  
 
Lender yield: 31.20% Borrower rate/APR: 32.20% / 35.86% Monthly payment: $327.49
 
Lender servicing fee: 1.00% Effective Yield*: 29.77%  
Estimated return*: 15.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1992 Debt/Income ratio: 44%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 23 / 21Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 101 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,528Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: Sheray1913 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off Credit Cards
Purpose of loan:
This loan will be used to?

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 489389
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $11,000 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 9.95% Borrower rate/APR: 10.95% / 13.07% Monthly payment: $359.87
 
Lender servicing fee: 1.00% Effective Yield*: 9.92%  
Estimated return*: 6.42%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Mar-1998 Debt/Income ratio: 13%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 30 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,773Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: benefit-prescription Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my Capital One
The purpose of this loan is to pay off a credit card that has a high interest rate. I make timely payments of $300 easily each month already. However, I would like a lower interest rate so the payment can be expedited.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489324
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 28.50% Borrower rate/APR: 29.50% / 33.10% Monthly payment: $316.34
 
Lender servicing fee: 1.00% Effective Yield*: 27.78%  
Estimated return*: 16.98%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1989 Debt/Income ratio: Not calculated
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:7y 2m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $167Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: No  
Screen name: mystical-interest040 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
Make Profit with Car Sale
Purpose of loan: To make a profit

This loan will be used to buy a classic car that my father's friend has for sale.

My financial situation is excellent.

I am a good candidate for this loan because I know how to restore cars and sell them for profit in Europe. I will buy the car for $5000-$7000 in California and sell it 3 times that price in Europe, most likely in France, Paris, I have a few interested clients overseas asking me for this kind of car, I'm selling it to them for a really good deal compare to what they are used to pay in Europe. Easy money making system. It takes 3-4 weeks for the car to be renovated and and just a few weeks for the car to be shipped in Europe. I'm planning to pay back my loan as soon as I get my profit from the car's Sale.

Monthly net income: $4100

I live with my dad so no rent to pay.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489330
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 28.50% Borrower rate/APR: 29.50% / 33.10% Monthly payment: $295.25
 
Lender servicing fee: 1.00% Effective Yield*: 27.78%  
Estimated return*: 16.98%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-2000 Debt/Income ratio: 16%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:1y 8m
Amount delinquent: $27 Total credit lines: 29 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,417Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: liberty-course4 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating my debt
Purpose of loan:
This loan will be used to? consolidate all of my debt to help increase my credit score and pay everything off at a faster pace.

My financial situation:
I am a good candidate for this loan because? I have a great job with a fortune 500 company and have a great income.? But these interest rates and minimum monthly payments aren't allowing me to pay everything off fast enough.

Monthly net income: $ 4200

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 80
??Car expenses: $ 500
??Utilities: $ 120
??Phone, cable, internet: $ 20
??Food, entertainment: $?200
??Clothing, household expenses $ 50
??Credit cards and other loans: $?0??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489340
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 14.20%  
Term: 36 months  
 
Lender yield: 31.20% Borrower rate/APR: 32.20% / 35.86% Monthly payment: $87.33
 
Lender servicing fee: 1.00% Effective Yield*: 29.77%  
Estimated return*: 15.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Mar-1989 Debt/Income ratio: 53%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 17 Occupation: Clerical
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $1,407Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: No  
Screen name: spiritual-cash81 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
Law School
Purpose of loan:
This loan will be used to?
apply for Law School
My financial situation:
I am a good candidate for this loan because?
I have a great job working for my father who is an Attorney, I have steady income and job security!
Monthly net income: $
2,000.00
Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 0.00
??Car expenses: $ 0.00
??Utilities: $ 0.00
??Phone, cable, internet: $ 0.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 0.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489374
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 1.55%  
Term: 60 months  
 
Lender yield: 10.00% Borrower rate/APR: 11.00% / 11.22% Monthly payment: $434.85
 
Lender servicing fee: 1.00% Effective Yield*: 9.99%  
Estimated return*: 8.44%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1989 Debt/Income ratio: 15%
Credit score: 820-839 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:25y 11m
Amount delinquent: $0 Total credit lines: 46 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,228Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: Yes  
Screen name: mate360 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
anniversary present/paying bills
Purpose of loan:
This loan will be used to?go towards a anniversary present for my wife?and pay off some credit card/household bills
My financial situation:
I am a good candidate for this loan because? I have always paid back any amount off money I have borrowed to banks or friends, and I am responsible and trustworthy to boot!!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489380
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 1.30%  
Term: 36 months  
 
Lender yield: 6.65% Borrower rate/APR: 7.65% / 7.99% Monthly payment: $779.38
 
Lender servicing fee: 1.00% Effective Yield*: 6.65%  
Estimated return*: 5.35%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Aug-1987 Debt/Income ratio: 13%
Credit score: 860-879 (Dec-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,796Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: rapid-deal113 Borrower's state: California Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 3 ( 100% ) 860-879 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
820-839 (Aug-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 3  
Description
Payoff Debt & Invest In Prosper
Purpose of loan:
This loan will be used to pay off balance of credit card debt, create an emergency fund and to invest in prosper.

My financial situation:
I am a good candidate for this loan because I recently paid off my first prosper loan in 3 months as I said I would, had incorrect information on my credit report removed (which was giving me a C prosper rating and high interest charge) and have lowered all of my monthly living expenses.
Information in the Description is not verified.