Listing Report:Supplement No. 30 dated Jan 09, 2011 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 490033
The following information pertains to the borrower loan being requested, that corresponds to the series 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: Aug-1990 Debt/Income ratio: 26%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:8y 0m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $43,309Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: kind-spirited-reward 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
Career Change to Benefit Family
Purpose of loan:
This loan will be used to? kickstart my business and allow me to complete a house rehab that we have under contract.? Two?years ago I started?my?business acquiring rental properties and rehabbing houses.??I currently have 2 rental properties and now have a home under contract that I plan to rehab and sell.My goal is to keep on rehabbing houses and accruing rental properties so that I can create enough income from my newly started?business to allow me to eventually leave my workplace and work with my wife and my team of contractors rehabbing houses full-time.? My workplace is a very negative environment and is very demanding of my time and energy leaving little for my family.? I am doing everything I can to change this.???A family member is funding the majority of the rehab expense for a return on his investment at the end of the deal.??We?need $7500 to have all of the funds necessary to?complete the project.Thank you for your time.
My financial situation:
I am a good candidate for this loan because?simply put, we ALWAYS pay our bills.??We have enough money for the monthly payments this loan would require.??My credit score was 765 before I invested A LOT?OF?MONEY?on education and?business start-up expenses, most of which was put on low interest credit cards.???My credit score has dropped because of this, but there have never been deliquencies or bills left unpaid.?
This house rehab is a pivotal time for us, because it is the profit from THIS?deal that will help us to pay off our business start-up/education expenses and then leave us some capital to re-invest in another property.
Monthly net income: $ 3700

Monthly expenses: $ 2758
??Housing: $ 800
??Insurance: $ 113
??Car expenses: $100
??Utilities: $ 160
??Phone, cable, internet: $ 125
??Food, entertainment: $ 575
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 750
??Other expenses: $ 60 daughter's guitar lessons
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490185
The following information pertains to the borrower loan being requested, that corresponds to the series 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): 7 First credit line: Feb-1993 Debt/Income ratio: 30%
Credit score: 720-739 (Jan-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:15y 1m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,716Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: scholarly-funds990 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
purchase card
Purpose of loan:
This loan will be used to?purchase a car?

My financial situation:
I am a good candidate for this loan because?I?will be able to pay money back in a timely manner and it will come out from top?

Monthly net income: $
2700
Monthly expenses: $
??Housing: $ 665.00
??Insurance?: $ medicare 98.00 and Blue Cross/Blue Shield through benefit plan
??Utilities: $ 200/00
??Phone, cable, internet: $ 180.00
??Food, entertainment: $ 125.00
??Clothing, household expenses $ as stated above
??Credit cards and other loans: $ 18,000
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490189
The following information pertains to the borrower loan being requested, that corresponds to the series 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: B Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 17.07% Monthly payment: $242.31
 
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: Jul-1984 Debt/Income ratio: 20%
Credit score: 760-779 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 52 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $324Stated income:$25,000-$49,999
Delinquencies in last 7y: 17 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: compatible-cash8 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
Replenishing Cash Reserves
Purpose of loan:
I am trying to secure a loan for the sole purpose of having extra cash on hand.

My financial situation:
I am a good candidate for this loan because I have paid all my obligations on time and in full for the past.? Please review payment history for student loans.

Monthly net income: $ 3,000

Monthly expenses: $
??Housing: $ 600
??Insurance: $
??Car expenses: $ 100
??Utilities: $ 50
??Phone, cable, internet: $45
??Food, entertainment: $ 150
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 30
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490201
The following information pertains to the borrower loan being requested, that corresponds to the series 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): 6 First credit line: Aug-1991 Debt/Income ratio: 39%
Credit score: 700-719 (Jan-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $975Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: No  
Screen name: tcb33 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
Multi-media producer seeks funds
Purpose of loan:
This loan will be used to start a multi-media web and video company.? I am an independent producer in Hollywood, and a skilled web designer and published photographer.? I have over 7 years experience in my fields.? I would like to make the jump to producing my own content, which I already do, but I don?t have capital with which to promote myself or advertise.? I will invest this loan money into new technology and websites or content which will generate income online and otherwise.? I am doing additional fundraising for a documentary I start this year. ?I believe I am a good candidate because I plan to give back to the community valuable content and design, and that as a businesswoman I will have an impact in economics, and launch a business that can be a model for future businesses.My financial situation:
I am very good with money; I have never had enough to invest in something that I could really turn into something big.? I would like to have that chance.? My family is not wealthy, just average, and I always had just enough to get by in life.? I have been on unemployment for the past year; I lost my full time job due to cutbacks.? I have worked on a few independent films this year, and had a few other small gigs.I currently have no outstanding loans except for my student loan from college.? I have two credit cards with balances under $500.? I can generate income from the proposed business within three months.? As an alternate plan, I can find work to supplement the income I make from this business, since online businesses can work on their own once they are set up.? I am confident that I will make the most of this loan to get ahead, based on my past loan history.? Monthly net income: $ 1312

Monthly expenses:
??Housing: $ 650
??Insurance: $ 89
??Car expenses: $ 100
??Phone, cable, internet: $ 45
??Food, entertainment: $ 100
??Credit cards and other loans: $ 50
? Pets:$50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490215
The following information pertains to the borrower loan being requested, that corresponds to the series 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: A Listing Duration: 14 days
Minimum Amount to Fund: $5,000 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 9.95% Borrower rate/APR: 10.95% / 13.07% Monthly payment: $163.58
 
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: Jun-1999 Debt/Income ratio: 27%
Credit score: 800-819 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 22 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,421Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: Yes  
Screen name: gbrbob Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:Pay off high interest credit cards
The loan will be used to lower the interest rates that credit card companies refuse to reduce.


I am a good candidate for this loan because?I have never missed or been late on a payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490233
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $3,200.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,240 Estimated loss*: 14.20%  
Term: 36 months  
 
Lender yield: 31.20% Borrower rate/APR: 32.20% / 35.86% Monthly payment: $139.73
 
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: Jul-2000 Debt/Income ratio: 30%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:9y 2m
Amount delinquent: $0 Total credit lines: 15 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,085Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 71%  
   Homeownership: Yes  
Screen name: marketplace-cactus5 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
Help paying down a few bills
Purpose of loan:
This loan will be used to? Unfortunatly I had a medical issue which forced my husband to take FMLA and in the process miss time at work. With the loss of pay and increase in medical bills we had to place some things on credit cards and would like to pay some down. In this time we also found our house needed emergency repairs as well!

My financial situation:
I am a good candidate for this loan because? I and my husband are activly back working full time and paying down our debt. And to our relief our home is repaired!

Monthly net income: $ 60000

Monthly expenses: $
??Housing: $ 1095????
??Insurance: $ 150????
??Car expenses: $ 325
??Utilities: $ 80
??Phone, cable, internet: $ 125
??Food, entertainment: $ 500
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490295
The following information pertains to the borrower loan being requested, that corresponds to the series 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: Nov-2002 Debt/Income ratio: 29%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:6y 7m
Amount delinquent: $0 Total credit lines: 22 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,986Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: No  
Screen name: first-relentless-credit9 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
consolidating my debts.
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?I am very responsible with my payments for anything I owe. I am looking for a way to get back to the peace of mind I had before I had to use credit cards to get my own place and things after a serious lifestyle change. I have paid all my bills on time every month since then but would like to get rid of multiple payments in favor of one.

Monthly net income: $1600

Monthly expenses: $
??Housing: $975
??Insurance: $0
??Car expenses: $0
??Utilities: $35
??Phone, cable, internet: $65
??Food, entertainment: $100
??Clothing, household expenses $0
??Credit cards and other loans: $450
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490319
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $15,000 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): 10 First credit line: Feb-1976 Debt/Income ratio: 14%
Credit score: 700-719 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:24y 6m
Amount delinquent: $0 Total credit lines: 33 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $88,447Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: unrelenting-justice 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
combining my debt
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490204
The following information pertains to the borrower loan being requested, that corresponds to the series 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): 7 First credit line: Mar-1992 Debt/Income ratio: 26%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 17 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,837Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Bankcard utilization: 42%  
   Homeownership: No  
Screen name: Jaynurse 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
Recently divorced paying off bill
Purpose of loan:
This loan will be used to? pay off my wedding, believe it or not. After putting 10,000 on my credit card for?our wedding, my ex-wife decided she wanted to see other people, 11 months later. We were together 6 years?but??married only 11 months. Guess who got stuck with the bill?

My financial situation:
I am a good candidate for this loan because? she asked me to leave my home so I did and now live with family. I am a nurse who makes almost 2500 a month and really have no expenses at this time other than my care insurance since my family has been a good support system emotionally. I'd like to get this paid off and start over...stronger and wiser.

Monthly net income: $ 2,433

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $ 120
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 50
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490206
The following information pertains to the borrower loan being requested, that corresponds to the series 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: 36 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 17.07% Monthly payment: $519.25
 
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: Sep-1999 Debt/Income ratio: 34%
Credit score: 780-799 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:10y 3m
Amount delinquent: $0 Total credit lines: 29 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,731Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: Finchy78 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating Credit Cards.
Purpose of loan:
This loan will be used to?
Consolidate my credit card debt into one payment, and pay prosper lenders like myself(lender since 07) interest instead of the banks.
$10,500 at same interest rate.
$3,500 at 15.9
$1,000 at 15.9
My financial situation:
I am a good candidate for this loan because?
I take my credit very seriously and would not jeopardize all the hard work ive put into building a descent credit rating.
Monthly net income: $ 5000

Monthly expenses: $
??Housing: $1900
??Insurance: $?0
??Car expenses: $ 600
??Utilities: $
??Phone, cable, internet: $ 250
??Food, entertainment: $ 600
??Clothing, household expenses $
??Credit cards and other loans: $???100 for 0 percent cards all others will be covered under this loan
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490248
The following information pertains to the borrower loan being requested, that corresponds to the series 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): 8 First credit line: Sep-1986 Debt/Income ratio: 21%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:16y 4m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $106,423Stated income:$75,000-$99,999
Delinquencies in last 7y: 10 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: newest-gain-ruler Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
640-659 (Mar-2010)
 
Principal balance: $6,156.57 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Consolidation Loan
Purpose of loan:This loan will be used to continue to consolidate loans and improve my credit. As noted I have raised my credit score since I first joined Prosper and I have never missed a payment or been late. My current goal is to bring down the number of outstanding credit lines with balances in order to qualify to refinance my mortgage loan, which will increase my disposable income and lower my debt ratio.

? Thanks

?Monthly net income: $ 5,505.00/month
? Housing: $965
? Insurance: $ 145
? ?Car expenses: $ 125
??Utilities: $ 120
??Phone, cable, internet: $55
??Food, entertainment: $500
??Clothing, household expenses $125
??Credit cards and other loans: $1415
??Other expenses: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490298
The following information pertains to the borrower loan being requested, that corresponds to the series 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: A Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 9.95% Borrower rate/APR: 10.95% / 13.07% Monthly payment: $65.43
 
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: Aug-1994 Debt/Income ratio: 14%
Credit score: 760-779 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 37 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,746Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: Yes  
Screen name: credit-selector7 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
Wife's Christmas and birthday
Purpose of loan:
This loan will be used to pay off a few?bills left over from Christmas?and to purchase?a January?birthday present for my wife. It's a little gold ring with a small emerald on it. I'm only asking for 3 years to get my monthly payment down some. I hope to pay it off sooner. Our anniversary is in November, Christmas December, then her birthday in January. Could use some extra cash this year to cover?them.?

My financial situation:
I am a good candidate for this loan because my track record with credit is very good and I do have enough income to make the payments with no problem.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490310
The following information pertains to the borrower loan being requested, that corresponds to the series 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: Apr-1985 Debt/Income ratio: 35%
Credit score: 700-719 (Jan-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 24 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,456Stated income:$1-$24,999
Delinquencies in last 7y: 4 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: fund-solstice545 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
Trying to go to Graduate school
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 490316
The following information pertains to the borrower loan being requested, that corresponds to the series 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: AA Listing Duration: 14 days
Minimum Amount to Fund: $12,000 Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 7.00% Borrower rate/APR: 8.00% / 8.34% Monthly payment: $376.04
 
Lender servicing fee: 1.00% Effective Yield*: 7.00%  
Estimated return*: 5.45%  
* 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: Mar-1993 Debt/Income ratio: 3%
Credit score: 840-859 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 17 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,255Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: Yes  
Screen name: prudent-capital1 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
Short Term Moving Expenses
Purpose of loan:
Cover some short term expenses of selling my home.? There were some unexpected big expenses that came up this year which reduced my savings ( ie, replaced roof, bought minivan, and tuition for executive education program. )? After my home is sold, I will be able to repay this loan in full.? I have already budgeted 3 months of float, but would like to be prepared just in case it takes longer to sell.? I will not be purchasing another home, so all the equity will go straight to repayment here first and then my checking account.

My financial situation:
I have an extremely attractive credit profile:? my FICO scores are 800+ and I have paid my mortgage perfectly ontime for the past 10 years.? I work for a multi national company who is an extremely good employer and very financially stable.? I have been with this company for over 2 years and with my previous employer for over 7 years.? I have minimal debt ( no car payment ) and only 1 credit card with a small ( ie < 2,000 ) balance.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490340
The following information pertains to the borrower loan being requested, that corresponds to the series 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*: 9.80%  
Term: 36 months  
 
Lender yield: 26.75% Borrower rate/APR: 27.75% / 31.31% Monthly payment: $206.14
 
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: May-1995 Debt/Income ratio: 32%
Credit score: 720-739 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 8Length of status:6y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,276Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: auction-tamer Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
660-679 (Dec-2009)
720-739 (May-2009)
660-679 (Oct-2008)
 
Principal balance: $2,994.72 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Consolidating bills
This loan will be used to pay off medical bills and my truck and a couple of small bills. It is easier to have one payment instead of numerous ones. I work extremely hard and work a lot of overtime. I average 10-20 hrs per week. I would greatly appreciate your help with this loan. Thank you for your time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490352
The following information pertains to the borrower loan being requested, that corresponds to the series 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): 5 First credit line: Feb-1984 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:24y 0m
Amount delinquent: $0 Total credit lines: 10 Occupation: Attorney
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $7,983Stated income:$100,000+
Delinquencies in last 7y: 3 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: kind-ideal-truth Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to?

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.