Listing Report:Supplement No. 13 dated Jan 18, 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 489919
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: $9,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 8.55% Borrower rate/APR: 9.55% / 11.65% Monthly payment: $288.51
 
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: Jul-1992 Debt/Income ratio: 8%
Credit score: 760-779 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:16y 8m
Amount delinquent: $0 Total credit lines: 41 Occupation: Civil Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,904Stated income:$75,000-$99,999
Delinquencies in last 7y: 9 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: fort085 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.
Description
Land
Purpose of loan:
This loan will be used to? To help with the purchase of 40 acres and 3 Bedroom house near the resort town of Hardy, Arkansas. ????

My financial situation:
I am a good candidate for this loan because? I always pay my bills on time or earlier. I have stable employment with the United States Postal Service for almost 17 years now. Of all the different loans that I have had in the past, I have ALWAYS paid them off early ????

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 1238 ????
??Insurance: $ 90
??Car expenses: $ 350
??Utilities: $ 150
??Phone, cable, internet: $ 120
??Food, entertainment: $ 450
??Clothing, household expenses $ 60
??Credit cards and other loans: $ 120
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490891
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: $14,400.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 16.65% Monthly payment: $495.59
 
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-1992 Debt/Income ratio: 27%
Credit score: 780-799 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:25y 7m
Amount delinquent: $0 Total credit lines: 31 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,982Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: Yes  
Screen name: best-autonomous-transaction7 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
ladybugk50
Purpose of loan:
This loan will be used to? Bank of America $4,040; Jefferson City Highway Credit Union $1,450; Citi Bank $8,900????

My financial situation:
I am a good candidate for this loan because?I pay my bills on time and in 3 years I will be debt free.???

Monthly net income: $ 2,938

Monthly expenses: $ 956
??Housing: $
??Insurance: $
??Car expenses: $ 65
??Utilities: $ 222
??Phone, cable, internet: $ 124
??Food, entertainment: $ 270
??Clothing, household expenses $ 50
??Credit cards and other loans: $?225 includes the above that I want to pay off
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490897
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $81.64
 
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): 6 First credit line: Sep-1991 Debt/Income ratio: 18%
Credit score: 700-719 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:13y 3m
Amount delinquent: $0 Total credit lines: 13 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,667Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 111%  
   Homeownership: Yes  
Screen name: bonus-structure7 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to? pay off some bills.

My financial situation:
I am a good candidate for this loan because? in current job for over 13yrs.

Monthly net income: $2600

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 490903
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 16.65% Monthly payment: $103.25
 
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: Sep-1989 Debt/Income ratio: 20%
Credit score: 740-759 (Jan-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 22 / 21Length of status:6y 1m
Amount delinquent: $0 Total credit lines: 60 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $64,847Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: enchanted-bonus945 Borrower's state: DistrictOfColumbia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
enchanted
Purpose of loan:
This loan will be used to? consolodate several debts.

My financial situation:
I am a good candidate for this loan because? I own real and personal property and I have a stable flow of income.

Monthly net income: $ 3200.00

Monthly expenses: $
??Housing: $ 1029.00
??Insurance: $ 180.00
??Car expenses: $ 50.00
??Utilities: $ 180.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $?900.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491117
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $81.64
 
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: Dec-1998 Debt/Income ratio: 12%
Credit score: 640-659 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $924Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: inspiring-ore6 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Loan for PGA School / PGA Future
Purpose of loan:
This loan will be used to?
Further my advancement in my profession.? I need this loan to take my level one examination for The PGA of America.? All $2000 will go directly to this cause.
My financial situation:
I am a good candidate for this loan because? I will pay it back the loan back in the time provided.?

Monthly net income: $ 1800 - $2100
Monthly expenses: $ 812
??Housing: $ 400
??Insurance: $ 45
??Car expenses: $ 0
??Utilities: $ 85
??Phone, cable, internet: $ 12
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 70
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491123
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
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: Mar-1993 Debt/Income ratio: 8%
Credit score: 800-819 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:12y 4m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,088Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: Yes  
Screen name: duty-sage8 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
Vegas83
Purpose of loan:
This loan will be used to? Consolidate some credit card balances.

My financial situation:
I am a good candidate for this loan because?I have excellent credit and always get the bills paid.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491141
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
Estimated loss*: 14.20%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
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: Sep-1997 Debt/Income ratio: 19%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:23y 8m
Amount delinquent: $0 Total credit lines: 25 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $20,859Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: camaraderi-plato 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
ronnie underwood
Purpose of loan:
This loan will be used to?
pay off loans and get caught back up. The army is almost 4 months behind on my per diem and has put me behind on everything.
My financial situation:
I am a good candidate for this loan because? I want to build my credit and get my loans paid off.

Monthly net income: $ 6,400.00

Monthly expenses: $
??Housing: $ 550.00
??Insurance: $ 500.00
??Car expenses: $ 800.00
??Utilities: $ 90.00
??Phone, cable, internet: $ 90.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $?200.00
??Credit cards and other loans: $ 600.00
??Other expenses: $ 400.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490314
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
Estimated loss*: 14.20%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
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: Nov-2000 Debt/Income ratio: 12%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 3Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 17 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29Stated income:$75,000-$99,999
Delinquencies in last 7y: 8 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: interest-showcase6 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
Wedding Loan
Purpose of loan:
This loan will be used to pay for my wedding expenses.

My financial situation:
I am a good candidate for this loan because I have my finances in order at this point of my life and will be able to make the monthly payments with ease.? I just need the cash upfront for my wedding?but expect to pay this back within the next six months.? The only reason that my credit score is not higher is because my father was sick and I had to help my family with their expenses.? It was a bad time for me but things have turned around and I know paying back this loan will not be an issue.?

Monthly net income: $ 6,900

Monthly expenses: $
??Housing: $ -
??Insurance: $ -?
??Car expenses: $ 230?
??Utilities: $ -
??Phone, cable, internet: $ -
??Food, entertainment: $ 600
??Clothing, household expenses $ 200?
??Credit cards and other loans: $ 200
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490732
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: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $163.28
 
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: Sep-1978 Debt/Income ratio: 7%
Credit score: 720-739 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 7 Current / open credit lines: 3 / 3Length of status:0y 4m
Amount delinquent: $3,298 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 11 Revolving credit balance: $55Stated income:$25,000-$49,999
Delinquencies in last 7y: 33 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: well-rounded-trade6 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
DAVID H. BOWER
Purpose of loan:
This loan will be used to?payback friend for temporary housing?

My financial situation:
I am a good candidate for this loan because? Have obtained License for Health and Accident and am on call Carney Group to sell health Ins./collecting ss on monthly basis/ may soon have opportunity to enter health industry on permanent basis?

Monthly net income: $ 2600

Monthly expenses: $
??Housing: $ -0-????
??Insurance: $ 100
??Car expenses: $ 500
??Utilities: $ 150
??Phone, cable, internet: $ 70
??Food, entertainment: $ 150
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 10
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491138
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 14.20%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $108.87
 
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: Sep-1995 Debt/Income ratio: 13%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:20y 0m
Amount delinquent: $0 Total credit lines: 5 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,427Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: awesome-gold5 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
betterich1
Purpose of loan:
This loan will be used to?start my own company?

My financial situation:
I am a good candidate for this loan because?
I am a responsible individual who has held the same job for the past 20 years and always pay my bills on time.

Monthly net income: $
3000.00
Monthly expenses: $
??Housing: $ 700.00
??Insurance: $?95.00
??Car expenses: $ 0
??Utilities: $ 200.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 100.00
??Other expenses: $ 0
Information in the Description is not verified.