Listing Report:Supplement No. 6 dated Jan 15, 2011 to Prospectus dated Jan 12, 2011
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 Jan 12, 2011 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 Jan 12, 2011 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 488917
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: $7,500 Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 28.49% Monthly payment: $298.16
 
Lender servicing fee: 1.00% Effective Yield*: 23.40%  
Estimated return*: 13.60%  
* 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-1995 Debt/Income ratio: 19%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:17y 5m
Amount delinquent: $0 Total credit lines: 46 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $87,603Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: jimmyvegas Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 13 ( 100% ) 720-739 (Latest)
Principal borrowed: $9,500.00< 31 days late: 0 ( 0% )  
700-719 (Jul-2010)
680-699 (Oct-2007)
700-719 (Dec-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Pay Off 401k Loan
Purpose of loan:
Pay Off my 401k loan to allow me to take a larger loan from my 401k. Plan only allows one loan at a time. I will take the proceeds from a larger 401k loan to pay the prosper loan in full and do some improvements on rental property that I own.

My financial situation: My 401k balance is $125,000 and if I pay off a loan that I have for $8,000 I can borrow $50,000 at 3.25% from the plan. I will pay the prosper loan off as soon as I can process the new 401k loan 30-60 days.

Monthly net income: $ 6,000

Monthly expenses: $
??Housing: $ 1,015
??Insurance: $ 50
??Car expenses: $ 200 (Fuel and maintenance) Car is paid off
??Utilities: $ 100
??Phone, cable, internet: $ 50 (Don't have cable and cell phone is work provided)
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 800

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490643
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $11,000 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 16.65% Monthly payment: $378.58
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-2001 Debt/Income ratio: Not calculated
Credit score: 780-799 (Jan-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 6Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $719 
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: the-restless-platinum 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
Business Capital
Purpose of loan:
This loan will be used to fund a project I have for my business.

My financial situation:
I am a good candidate for this loan because I pay my debts and honor them.

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 490651
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: 8.55% Borrower rate/APR: 9.55% / 11.65% Monthly payment: $176.31
 
Lender servicing fee: 1.00% Effective Yield*: 8.53%  
Estimated return*: 5.03%  
* 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: 3%
Credit score: 760-779 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 5 / 4Length of status:2y 5m
Amount delinquent: $4,196 Total credit lines: 15 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,480Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 8%  
   Homeownership: Yes  
Screen name: hogtrax10 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
Heating & aircondition replacement
Purpose of loan:
This loan will be used to?Replace heating and aircondition unit.?

My financial situation:
I am a good candidate for this loan because? I have a steady income and I am reliable in paying back all payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490671
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 5.55% Borrower rate/APR: 6.55% / 6.89% Monthly payment: $230.04
 
Lender servicing fee: 1.00% Effective Yield*: 5.55%  
Estimated return*: 4.00%  
* 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: Jun-1999 Debt/Income ratio: 13%
Credit score: 760-779 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:7y 0m
Amount delinquent: $0 Total credit lines: 33 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,316Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: brightest-payment-fuse 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
belladog8
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490683
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 5.55% Borrower rate/APR: 6.55% / 6.89% Monthly payment: $61.34
 
Lender servicing fee: 1.00% Effective Yield*: 5.55%  
Estimated return*: 4.00%  
* 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-2006 Debt/Income ratio: 15%
Credit score: 740-759 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:6y 7m
Amount delinquent: $0 Total credit lines: 10 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,792Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: No  
Screen name: Justice_ak Borrower's state: Alaska 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
Closing out credit cards
Paying of credit cards.? My credit is good, always pay my bills on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490725
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: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $304.84
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 15.37%  
* 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: Apr-2002 Debt/Income ratio: 33%
Credit score: 680-699 (Jan-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:8y 9m
Amount delinquent: $0 Total credit lines: 15 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,425Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: bold-platinum-welder 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
vaction
Purpose of loan:
This loan will be used to? to take a vacation to my girlfriend

My financial situation:
I am a good candidate for this loan because? i have always paid my bills ontime

Monthly net income: $ 2,200 a month

Monthly expenses: $
??Housing: $ 250.00
??Insurance: $ 100.00
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 400.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490763
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,850.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $8,850 Estimated loss*: 3.25%  
Term: 36 months  
 
Lender yield: 7.49% Borrower rate/APR: 8.49% / 10.58% Monthly payment: $279.33
 
Lender servicing fee: 1.00% Effective Yield*: 7.48%  
Estimated return*: 4.23%  
* 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: Feb-2000 Debt/Income ratio: 18%
Credit score: 780-799 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 11Length of status:4y 5m
Amount delinquent: $16,882 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,832Stated income:$75,000-$99,999
Delinquencies in last 7y: 3 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: myCYT Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 29 ( 100% ) 780-799 (Latest)
Principal borrowed: $8,500.00< 31 days late: 0 ( 0% )  
700-719 (Jul-2008)
 
Principal balance: $1,920.78 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
Consolidate Debt
Purpose of loan:
This loan will be used to consolidate old private student loans (from 2004 and 2005) that have higher interest rates with the remaining balance of my previous Prosper Loan (funded in 2006 with $1,921 remaining). The result will be a single loan that has a lower interest rate for me.

My financial situation:
I am a great candidate for this loan because I have no difficulty paying my existing prosper loan ($286 per month) and student loan payments ($145 per month). The loan that I am requesting would consolidate these loans, providing me a better interest rate for these existing loans and thus is a better deal for me and an opportunity to earn interest for you.

Thanks in advance for funding my loan! I really appreciate it.



** The delinquency reported in my Credit Profile was a rental property of mine that was foreclosed on in 2009. Thus, I no longer own the property. My primary residence was never delinquent and continues to be in good standing. The 3 delinquencies over the past 7 years includes the initial delinquency on my previous rental property discussed above and two 30 day late credit card payments from 2005. All credit cards have been in good standing since then.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490805
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: $10,500 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 8.55% Borrower rate/APR: 9.55% / 11.65% Monthly payment: $480.84
 
Lender servicing fee: 1.00% Effective Yield*: 8.53%  
Estimated return*: 5.03%  
* 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: Feb-1984 Debt/Income ratio: 5%
Credit score: 820-839 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:6y 0m
Amount delinquent: $0 Total credit lines: 26 Occupation: Pharmacist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $722Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: coin-persimmon731 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
for new kitchen and bathroom
Purpose of loan:
This loan will be used to put in?a new kitchen and bathroom
My financial situation:
I am a good candidate for this loan because I have enough income to pay back the loan in?3 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490811
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $285.74
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.54%  
* 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: Nov-2002 Debt/Income ratio: 14%
Credit score: 680-699 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 12 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,417Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: p2ploan-canary 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
Need cash to pay off my cards
To whom it may concern,

I graduated from college in December 2009 in the field of mechanical engineering. I managed to land a job as a solar engineer. I was interested in this field since before I went to college and was able to get hired at a renewable company because of my background in renewable as a student and my experience as an intern in the solar field. During college I had to use all my credit cards to pay for tuition, books and food and therefore I developed some debt that totals about $7,000 on my credit cards. My parents did not support me throughout college and I couldn?t sacrifice my education. I?m very unhappy about this situation since I tried my best to avoid accumulating debt but my studies were the most important thing for me at the moment.
Now that I have graduated I am trying my best to pay off my credit card debt and since I have a large outstanding balance, this is affecting my credit rating. I much prefer to pay off my cards and make loan payments rather than slowly paying them off through the credit card companies. I live a very simple life. I have lowered the rent I pay by living with a roommate. I still drive my old Honda Accord from college that is 12 years old and won?t get cable TV because I find it a waste of time. I work very hard at our company and my supervisor and director are very happy with my performance. I receive a $1,600 check twice a month. My salary is $57,000 and we receive a 25% bonus in March.
By giving me this loan, I can remove all my credit debt and increase my credit score which would help me a lot in the future. I will guarantee you that by working hard at my job and making all of my payments on-time that you have made the right decision by granting me these funds.

Thank you so much for your consideration.

Sincerely,

The New Applicant
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490630
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: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $306.15
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.54%  
* 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: Jun-2006 Debt/Income ratio: Not calculated
Credit score: 700-719 (Jan-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 7Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,197 
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: No  
Screen name: note-tycoon1 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Study in Beijing
Purpose of loan:
This loan will be used to? fund my studies in Beijing, China

My financial situation:
I am a good candidate for this loan because? I always pay on time. I always do freelance interpreting/translation when I'm out of work.

Monthly net income: $ 300

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 490642
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: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $87.10
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 15.37%  
* 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: Oct-1993 Debt/Income ratio: 40%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 15 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,513Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 68%  
   Homeownership: No  
Screen name: fabulous-euro1 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
SOS!
Purpose of loan:
This loan will be used to?? Pay a settlement with GMAC

My financial situation:
I am a good candidate for this loan because?? I work two jobs Full Time in a factory as a Line Mechanic and Part Time as a TV Technician.

Monthly net income: $ 1,800 - 2,100

Monthly expenses: $ 898.96
??Housing: $ 635
??Insurance: $
??Car expenses: $ 465.96
??Utilities: $ 100
??Phone, cable, internet: $ 133
??Food, entertainment: $ 50
??Clothing, household expenses $
??Credit cards and other loans: $ 150
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490666
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: 16.49% Borrower rate/APR: 17.49% / 18.91% Monthly payment: $376.75
 
Lender servicing fee: 1.00% Effective Yield*: 16.20%  
Estimated return*: 10.25%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-1993 Debt/Income ratio: 26%
Credit score: 780-799 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 26 / 22Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 61 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,249Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 19%  
   Homeownership: Yes  
Screen name: the-towering-durability Borrower's state: SouthDakota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate all into one payment
Purpose of loan:
This loan will be used to?
consolidate all bills into one monthly payment
My financial situation:
I am a good candidate for this loan because?
?I make all payments on time.? I have a long employment history.

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 490674
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: $4,900.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $3,430 Estimated loss*: 1.30%  
Term: 36 months  
 
Lender yield: 4.99% Borrower rate/APR: 5.99% / 6.33% Monthly payment: $149.05
 
Lender servicing fee: 1.00% Effective Yield*: 5.00%  
Estimated return*: 3.70%  
* 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: Jul-1991 Debt/Income ratio: 10%
Credit score: 820-839 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:17y 2m
Amount delinquent: $362 Total credit lines: 14 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,167Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: Yes  
Screen name: wealthbuilder4u Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 31 ( 100% ) 820-839 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
820-839 (Feb-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
Consolidating debt used for school
Purpose of loan:
This loan will be used to consolidate debt used to obtain a professional credential.? My introductory rate for financing this debt has ended and I prefer not to remove money from an investment account.

My financial situation:
I am a good candidate for this loan because I have had many loans which I have paid back including a previous prosper loan.? I have expenses which are less than my income so I have the funds to pay back the loan and could tap into investments if I had to.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490802
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: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $306.15
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.54%  
* 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-1989 Debt/Income ratio: 6%
Credit score: 680-699 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:25y 6m
Amount delinquent: $0 Total credit lines: 33 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $18,806Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: top-point-goat 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
putting in a new kitchen
Purpose of loan:
This loan will be used to? put in a new kitchen

My financial situation:? Good.? I have some debt but also a very good income.
I am a good candidate for this loan because? I am current on all debt and have been for years.

Monthly net income: $ 25,000.00

Monthly expenses: $ 15,000.00
??Housing: $ 1795.00
??Insurance: $ 1500.00
??Car expenses: $ 200.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 300.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 500,00
??Credit cards and other loans: $ 2000.00
??Other expenses: $ 2510.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490850
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: 13.49% Borrower rate/APR: 14.49% / 16.65% Monthly payment: $516.24
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* 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: Jun-2000 Debt/Income ratio: 27%
Credit score: 760-779 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 15 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,582Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: Yes  
Screen name: engaging-justice9 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
Debt Consolodation
Purpose of loan:
This loan will be used to? consolodate debt, vehicle repair, and medical expenses.

My financial situation:
I am a good candidate for this loan because? I am responsible and hard working.? The company I worked for for over 30 years closed.? I worked as a tempory employee for my current employer and am now working permanent full time.

Monthly net income: $ 3300 including spouce

Monthly expenses: $
??Housing: $ 1282
??Insurance: $ 92
??Car expenses: $
??Utilities: $ 160
??Phone, cable, internet: $ 180
??Food, entertainment: $ 400
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490862
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: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.99% Borrower rate/APR: 19.99% / 23.38% Monthly payment: $557.38
 
Lender servicing fee: 1.00% Effective Yield*: 18.55%  
Estimated return*: 9.85%  
* 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: Oct-1972 Debt/Income ratio: 15%
Credit score: 780-799 (Jan-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:6y 7m
Amount delinquent: $12,100 Total credit lines: 34 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,106Stated income:$100,000+
Delinquencies in last 7y: 12 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: dynamic-point1 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
Installation of steam boiler
Purpose of loan:
This loan will be used to replace a heating system boiler for a 9 apartment rental building.

My financial situation:
I am a good candidate for this loan because the purpose is to improve a property that nets over $7000 yearly.

Monthly net income? $4064

The purpose of this loan is to pay off a boiler that I had installed for a 9 unit building which I own.? It was an unexpected but necessary installation.? I juggled expenses to pay $7000 of the $22000 boiler and would like to end my obligation to the heating contractor.? I have a teachers pension of $4000 monthly to back up the $620 that the building nets monthly.



Monthly expenses: $
? Housing: $ 1500
??Insurance: $ 125
??Car expenses: $ 200
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 350
??Other expenses: $300
Information in the Description is not verified.