Listing Report:Supplement No. 14 dated Dec 31, 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 488724
The following information pertains to the borrower loan being requested, that corresponds to the series 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: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 28.50% Borrower rate/APR: 29.50% / 33.10% Monthly payment: $84.36
 
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: Feb-1994 Debt/Income ratio: 9%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 8 Current / open credit lines: 3 / 3Length of status:1y 2m
Amount delinquent: $770 Total credit lines: 35 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $277Stated income:$1-$24,999
Delinquencies in last 7y: 54 Bankcard utilization: 11%  
   Homeownership: No  
Screen name: stable-gold2 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
To get my car fixed.
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 489270
The following information pertains to the borrower loan being requested, that corresponds to the series 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: A Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 3.50%  
Term: 60 months  
 
Lender yield: 12.95% Borrower rate/APR: 13.95% / 15.33% Monthly payment: $348.64
 
Lender servicing fee: 1.00% Effective Yield*: 12.90%  
Estimated return*: 9.40%  
* 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: Jun-1998 Debt/Income ratio: 14%
Credit score: 820-839 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:8y 7m
Amount delinquent: $0 Total credit lines: 30 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $313Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: red-pious-loan 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
Sale of house difference
Purpose of loan:
This loan will be used to assist in selling my current house. I relocated 13 months ago, placed my house on the market 1 year ago in an attempt to sell. As I relocated I remained current on my mortgage and refused to follow what the rest of Americans were doing, going into forclosure or short selling their house. So I am currently looking at closing the gap with my current mortgage company as I accepted an offer for less than what I owe. Since I am current on my mortgage and have had no mortgage payments late my only option is to find a company that will lend me money so I can be free and clear of my current obligations.

My financial situation:
I am a good candidate for this loan because I am attempting to do the right thing by paying off my house. I accepted an offer based upon the current market after trying to sell it for 1 year. I have never been late on my mortgage even after relocating and moving out of my house. I relocated due to accepting a promotion with the company I work for and have had an increase in my annual income each year. My recent promotion increased my salary from approx. 60k to 90k+. My credit score is excellent with a mid line in the low 800's. Please consider my loan based upon attempting the right thing vs. the rest of Americans who have foreclosed on their homes or have defaulted on loans because of overextending themselves.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489406
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $10,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 9.95% Borrower rate/APR: 10.95% / 13.07% Monthly payment: $327.15
 
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-2005 Debt/Income ratio: 18%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 11 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,809Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: Yes  
Screen name: rockerZ71 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 for my wedding
Purpose of loan:
This loan will be used to pay for my wedding in June 2011

My financial situation:
I am a good candidate for this loan because I am planning this loan as if I will be paying it off under my current financial condition, but since I am getting married I will have another source of income (wife's job) within a few months.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489420
The following information pertains to the borrower loan being requested, that corresponds to the series 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: AA Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 1.30%  
Term: 36 months  
 
Lender yield: 6.65% Borrower rate/APR: 7.65% / 7.99% Monthly payment: $155.88
 
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: May-1999 Debt/Income ratio: 17%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 20 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,780Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 27%  
   Homeownership: Yes  
Screen name: foodog78 Borrower's state: NewHampshire Borrower's group: Libertarians
Credit and homeownership information was obtained 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: 22 ( 92% ) 760-779 (Latest)
Principal borrowed: $5,000.00< 31 days late: 2 ( 8% )  
780-799 (Feb-2010)
700-719 (Dec-2007)
740-759 (May-2007)
 
Principal balance: $1,469.10 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
Washing away my problems
Purpose of loan:
This last year has been financially demanding as a homeowner.?? Besides replacing my water heater with the help of my previous Prosper loan, I've since had to replace my 25 year old electric range, renovate a flooded out bathroom, replace a 10 year old clothes washer, and buy some additional furniture to accommodate my girlfriend and kid who've moved in with me.? All told, I've run up about $5000 on my credit card for these home improvement related items that I'd like pay off with this loan.?? No one item was really worth getting a Prosper loan, but all put together makes much more sense to pay on a fixed term loan instead of the credit card.? Note that I do not intend on paying off the existing Prosper loan with this loan.

My financial situation:
Monthly income after taxes is approximately $5000.Since my last loan I received a promotion, bought a more family oriented car, and have had my girlfriend and kid move in with me.? These factor in the differences in income and expenses previously listed.

Fixed Monthly expenses: ~$4400
Housing: $1900 (including mortgage, property tax, etc)
? Car expenses: $800 (including loan, gasoline, maintenance)
??Utilities: $300-$400
? Food, entertainment: $500
? Misc $100
??Credit card: $700 ($350 minimum)
? Current Prosper Loan: $61
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489486
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $12,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 16.90% Borrower rate/APR: 17.90% / 19.33% Monthly payment: $304.07
 
Lender servicing fee: 1.00% Effective Yield*: 16.61%  
Estimated return*: 10.66%  
* 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-1991 Debt/Income ratio: Not calculated
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 2Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 13Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,024 
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: thrilling-bid9 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
MAJOR PURCHASE
Purpose of loan:
This loan will be used to? purchase a mobile home for $12,000 in Santa Paula.

My financial situation:
I am a good candidate for this loan because? this will be my current residence for retirement living.

Monthly net income: $ 1200.00

Monthly expenses: $
??Housing: $ 350.00 ??? ???
??Insurance: $ 30.00 ???? ???? ???? ????
??Car expenses: $ 50.00
??Utilities: $ 85.00
??Phone, cable, internet: $ 40.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $ 35.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489490
The following information pertains to the borrower loan being requested, that corresponds to the series 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: Dec-1994 Debt/Income ratio: 26%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:16y 8m
Amount delinquent: $0 Total credit lines: 15 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $36,366Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: No  
Screen name: benjamins-poblano 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
debt consolidation.
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 489498
The following information pertains to the borrower loan being requested, that corresponds to the series 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: Jul-1984 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:13y 5m
Amount delinquent: $0 Total credit lines: 31 Occupation: Professional
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $138,198Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: elevated-rupee964 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buy a bar just paying back taxes.
Purpose of loan:
?I have an opportunity to by a Bar & Grill for just the cost of paying off back sales tax of $9,125.00 + transfer fees of $1,500.00.
Once the transaction is complete I would own the bar outright.
I need to pay the back taxes by January 18th, 2011.


My financial situation:
I am a good candidate for this loan because I have experience running a bar. The current owner got into personal financial problems, and stopped paying sales tax.
Now the license?can not be renewed?or transfer until the back tax is paid.
The public record informatin is for a tax lien filed for taxes that I did not know I owed. I payed the taxes off 3 days after notfication of the lien.?

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489522
The following information pertains to the borrower loan being requested, that corresponds to the series 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: E Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 14.20%  
Term: 36 months  
 
Lender yield: 31.20% Borrower rate/APR: 32.20% / 35.86% Monthly payment: $305.66
 
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: Sep-1985 Debt/Income ratio: >1000%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:14y 11m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $14,170Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: No  
Screen name: indomitable-worth1 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
My personal loan
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489554
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $2,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 14.20%  
Term: 36 months  
 
Lender yield: 31.20% Borrower rate/APR: 32.20% / 35.86% Monthly payment: $109.16
 
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: Apr-1984 Debt/Income ratio: 3%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 1 / 0Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 11 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: unassuming-dough Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Getting Back On Track
Purpose of loan:
This loan will be used to?
Consolidate debt
My financial situation:
I am a good candidate for this loan because?
Once I get a handle on the finances I will definitely pay on time.
Monthly net income: $ 40,880.

Monthly expenses: $ 1882.00
??Housing: $983.00
??Insurance: $ 100.00
??Car expenses: $ 200.00
??Utilities: $ 50..00
??Phone, cable, internet: $ 124.
??Food, entertainment: $ 150
??Clothing, household expenses $ 25.
??Credit cards and other loans: $ 250.
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489566
The following information pertains to the borrower loan being requested, that corresponds to the series 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: Feb-1988 Debt/Income ratio: 24%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:18y 5m
Amount delinquent: $0 Total credit lines: 30 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $147,759Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: nodebt2012 Borrower's state: NewHampshire Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan:
This loan will be used to?, finish a very large room in a workshop attached to the house into living space. I need to finish the ceiling, close up some wall space that is open, carpet the floor. The space is 1000 square feet. This amount is roughly 1/3 of the amount needed: I have the other 2/3

My financial situation:
I am a good candidate for this loan because? I've been a homeowner for many years. Finishing this living space will considerably add to both the utility and value of my home.
I've also been at the same company for many years, and the company is in a recession proof industry and has several multi-year contracts in place.
I have high credit utilization because: The HELOC for this house of $62k and my student loans from grad school as well as a car show up as revolving debt. I will be using automatic payments from my checking account.

Monthly net income: $ 22,600 (please notice my DTI is calculated, this is verifiable on a W-2)

Monthly expenses: $ 16,500
??Housing: $ 4,000
??Insurance: $ 300
??Car expenses: $ 1000
??Utilities: $ 500
??Phone, cable, internet: $ 200
??Food, entertainment: $ 1,000
??Clothing, household expenses $ 2,500
??Credit cards and other loans: $ 5,000
??Other expenses: $ 2,000
The last appraised Value was $271,000. I basically am break even to $5k positive at this point in terms of money owed on the property versus debt on the property.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489025
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $5,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,500 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 28.50% Borrower rate/APR: 29.50% / 33.10% Monthly payment: $231.98
 
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): 7 First credit line: Feb-2000 Debt/Income ratio: 14%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 8 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,998Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: revenue-taco 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
credit card pay off
Purpose of loan:
This loan will be used to pay off all my credit cards and consolidate them all into a one payment. .

My financial situation:
I am a good candidate for this loan because it's a low monthly payment and I always pay on time.

Monthly net income: $2700

Monthly expenses: $900
??Housing: $400
??Insurance: $60
??Car expenses: $100
??Utilities: 100$
??Phone, cable, internet: $50
??Food, entertainment: $300
??Clothing, household expenses $100
??Credit cards and other loans: $200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489471
The following information pertains to the borrower loan being requested, that corresponds to the series 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: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 28.50% Borrower rate/APR: 29.50% / 33.10% Monthly payment: $210.89
 
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): 7 First credit line: Aug-1995 Debt/Income ratio: 18%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,807Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Bankcard utilization: 27%  
   Homeownership: No  
Screen name: RShawn 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
Credit Card pay off Loan 2011
Purpose of loan:
This loan will be used to? Consolidate all my credit cards and pay them off early.

My financial situation:
I am a good candidate for this loan because? I no long have the financial responability of the house payment. I currently a (and have been for the past 10 years)? property manager where I live on site and pay no rent or utilities.

Monthly net income: $ 2340.00

Monthly expenses: $
??Housing: $ 0.0
??Insurance: $ 250.00
??Car expenses: $ 300.00
??Utilities: $ 0.00
??Phone, cable, internet: $ 280.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 400.00
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489495
The following information pertains to the borrower loan being requested, that corresponds to the series 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: A Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 3.25%  
Term: 36 months  
 
Lender yield: 9.55% Borrower rate/APR: 10.55% / 12.66% Monthly payment: $243.95
 
Lender servicing fee: 1.00% Effective Yield*: 9.52%  
Estimated return*: 6.27%  
* 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: Oct-1996 Debt/Income ratio: 14%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 4 Current / open credit lines: 15 / 12Length of status:10y 2m
Amount delinquent: $437 Total credit lines: 24 Occupation: Construction
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,144Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: Yes  
Screen name: idesofmarch1969 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
640-659 (Aug-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Rainy Day Fund
Purpose of loan: to pay off a few medical bills, a high interest credit card, and the wifeys student loans for this coming year

My financial situation:
I am a good candidate for this loan because I have paid back previous Prosper loans without incident
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489501
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $3,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 28.50% Borrower rate/APR: 29.50% / 33.10% Monthly payment: $126.53
 
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: Sep-1994 Debt/Income ratio: 19%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:9y 6m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,000Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: No  
Screen name: trade-cocktail Borrower's state: DistrictOfColumbia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Charges on leased vehicle return
Purpose of loan:
This loan will be used to pay off the over mileage on on a leased car I will be returning.?

My financial situation:
I am a good candidate for this loan because of a long term flawless payment history on various types of debt.? Long term stable employment.? I live and work in a city with good public transit, car is more of a hassle than a convenience.? Loan payment will replace a higher cost for lease payment, insurance, gas, registration than I have been paying for last three years so lower overall cost.

Monthly net income: $ 4766

Monthly expenses: $
??Housing: $ 1240????????
??Insurance: $
??Car expenses: $
??Utilities: $?included in rent
??Phone, cable, internet: $ 175
??Food, entertainment: $ 700
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 505
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489507
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $7,500 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): 5 First credit line: Aug-1999 Debt/Income ratio: 16%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:11y 6m
Amount delinquent: $0 Total credit lines: 19 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,912Stated income:$75,000-$99,999
Delinquencies in last 7y: 17 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: loyalty-vault 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
WORKING CAPITAL
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 489519
The following information pertains to the borrower loan being requested, that corresponds to the series 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*: 5.95%  
Term: 60 months  
 
Lender yield: 16.90% Borrower rate/APR: 17.90% / 19.33% Monthly payment: $380.09
 
Lender servicing fee: 1.00% Effective Yield*: 16.61%  
Estimated return*: 10.66%  
* 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: Feb-1996 Debt/Income ratio: 15%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 32 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,094Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: dollar-caramel8 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
Semi-Consolidation loan
Purpose of loan:
This loan will be used to pay of some of my high interest credit cards to allow myself some more freedom during the month.

My financial situation:
I am a good candidate for this loan because I am very good at paying off my debt at all times.? I have a good stable job with regular income.

Monthly net income: $ 4500

Monthly expenses: $
??Housing: $ 1750
??Insurance: $ 200
??Car expenses: $ 150
??Utilities: $ 400
??Phone, cable, internet: $ 400
??Food, entertainment: $ 250
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489523
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $5,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 9.95% Borrower rate/APR: 10.95% / 13.07% Monthly payment: $179.93
 
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: Dec-1994 Debt/Income ratio: 7%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:13y 8m
Amount delinquent: $0 Total credit lines: 23 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,062Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: money-mechanic4 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
Buying a car for family
Purpose of loan:
This loan will be used to buy a classic truck that will be used for my family's new business and as an investment. My wife is starting her own Yoga / dance studio and it will be used in promotional situations and to get attention for her new business.


My financial situation:
I am a good candidate for this loan because I could pay for this truck from my savings account. However, I like to keep a specific amount in reserve and since this is a business investment, we decided to finance it instead. I have been with my company nearly 14 years, and have a stable income.?As my credit score should indicate, we are responsible and honor our obligations.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489535
The following information pertains to the borrower loan being requested, that corresponds to the series 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*: 9.80%  
Term: 36 months  
 
Lender yield: 26.75% Borrower rate/APR: 27.75% / 31.31% Monthly payment: $309.21
 
Lender servicing fee: 1.00% Effective Yield*: 26.08%  
Estimated return*: 16.28%  
* 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): 7 First credit line: Apr-1993 Debt/Income ratio: 18%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:7y 5m
Amount delinquent: $0 Total credit lines: 27 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,059Stated income:$50,000-$74,999
Delinquencies in last 7y: 12 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: mjohnson0930 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 / 3 On-time: 33 ( 100% ) 660-679 (Latest)
Principal borrowed: $16,410.00< 31 days late: 0 ( 0% )  
680-699 (Mar-2010)
680-699 (Nov-2007)
620-639 (Feb-2007)
 
Principal balance: $999.50 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
Cleaning up for 2011
Purpose of loan:
This loan will be used to payoff existing car loan ($4000), get one mortgage payment ahead so I can start bi-monthly payments ($1135.00), payoff existing Prosper loan($ 1000.00), and put new tires and shocks on my vehicle ($1200).
My financial situation:
I am a good candidate for this loan because I have had loans with Prosper before and have alway been current aor ahead of schedule on my payments.? I plan to pay approx. $ 250.00 a paycheck toward this loan, and will have it paid off sooner than the 3 year term.

Monthly net income: $
$3000.00

Monthly expenses: $
??Housing: $?1400 (Mortagage and HOA)
??Insurance: $ 100.00
??Car expenses: $?200.00 (SUV?takes about 45.00 for gas)
??Utilities: $?60-100.00 (Depends on the season)
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $?100.00
??Credit cards and other loans: $ 300.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489541
The following information pertains to the borrower loan being requested, that corresponds to the series 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: E Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 14.20%  
Term: 36 months  
 
Lender yield: 31.20% Borrower rate/APR: 32.20% / 35.86% Monthly payment: $305.66
 
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-1991 Debt/Income ratio: 18%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 6Length of status:7y 4m
Amount delinquent: $482 Total credit lines: 26 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,656Stated income:$50,000-$74,999
Delinquencies in last 7y: 14 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: fiesta34 Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards and med bills
Purpose of loan:
This loan will be used to?
catch up on past due bills and pay off medical bills from a surgery this year.
My financial situation:
I am a good candidate for this loan because?
I have a steady income and job security????
Monthly net income: $
2700
Monthly expenses: $
??Housing: $ 300
??Insurance: $?50??
??Car expenses: $ 200
??Utilities: $ 100
??Phone, cable, internet: $?120
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $?100
??Other expenses: $ none
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489587
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $12,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 9.95% Borrower rate/APR: 10.95% / 13.07% Monthly payment: $392.58
 
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: May-2002 Debt/Income ratio: 18%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 21 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,370Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: social-eagle7 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
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate higher interest credit card debt.

My financial situation:
I am a good candidate for this loan because my cashflow is more than sufficient to cover this obligation and I've never missed a payment.
Information in the Description is not verified.