Listing Report:Supplement No. 28 dated Jan 27, 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 491216
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: 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: Nov-1990 Debt/Income ratio: 20%
Credit score: 640-659 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:10y 8m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $37,191Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: patspeak Borrower's state: California Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 24 ( 100% ) 640-659 (Latest)
Principal borrowed: $17,000.00< 31 days late: 0 ( 0% )  
680-699 (Mar-2010)
660-679 (Sep-2009)
580-599 (Nov-2007)
660-679 (Jan-2007)
 
Principal balance: $2,759.54 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
Medical Expenses
Purpose of loan:
This loan will be used for Medical and Therapeutic Expenses

My financial situation:
I have had two previous loans with Prosper and have successfully paid off each. I am never late on any payments for anything. I make the necessary income to successfully pay the required debt.

Monthly net income: $5700

Monthly expenses: $
??Housing: $2000
??Insurance: $220
??Car expenses: $320 Gas
??Utilities: $190
??Phone, cable, internet: $170
??Food, entertainment: $300
??Clothing, household expenses $400
??Credit cards and other loans: $985
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491418
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: A Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 3.25%  
Term: 36 months  
 
Lender yield: 7.49% Borrower rate/APR: 8.49% / 10.58% Monthly payment: $94.69
 
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: Oct-1991 Debt/Income ratio: 17%
Credit score: 820-839 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:13y 10m
Amount delinquent: $0 Total credit lines: 38 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $400Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: LeosMami 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 31 ( 100% ) 820-839 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
800-819 (May-2008)
 
Principal balance: $267.46 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
Loan for an auto purchase
Purpose of loan:
This loan will be used to replace?our other family car that just went kaput. Wouldn't you know that as soon as we are ready to pay off the last car loan, the other car would decide to go.

My financial situation:
I am a good candidate for this loan because I have excellent credit.?I?pay?our?bills on time and?put a good amount of?thought in before taking on debt.?? My husband was able to get $500 for the car that died and we are looking for a car that is $3500 or less.??Also, my?previous prosper loan that was $183 a month has only 1 1/2 payments left.? Part of what we used to pay towards that loan, would go towards this loan.?Also, we do have some?savings for emergency purposes. Thank you so much for considering my loan request.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491642
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 3.25%  
Term: 36 months  
 
Lender yield: 7.49% Borrower rate/APR: 8.49% / 10.58% Monthly payment: $315.63
 
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: Jan-1999 Debt/Income ratio: 18%
Credit score: 780-799 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 24 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,563Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: tony1616 Borrower's state: Illinois Borrower's group: AA Superior Funding
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 / 2 On-time: 33 ( 97% ) 780-799 (Latest)
Principal borrowed: $20,100.00< 31 days late: 1 ( 3% )  
800-819 (Aug-2008)
(Apr-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
Marketing Expenses for Business
Purpose of loan:
This loan will be used to cover the marketing expenses for my website and personal finance software application, Finavigation.? The development of the product is a few weeks from being complete.? My last loan covered the development of the application.? This loan will be used pay for marketing. ?

My financial situation:
I will be working on this website part-time and plan to keep my regular job.? My net income after expenses will be enough to cover the loan payments.? The business will also be able to generate subscription revenues once it launches, which should grow to be enough to pay this loan off by themselves.? I have excellent credit and have never had any late payments.? I have taken out previous loans on Prosper and not only paid them back in full, but paid them back early.? Thank you for viewing my listing and for your potential bids.Salary $3,300

Housing $800
Utilities $160
Car Payment $0
Insurance $75
Gas $100
Transportation $120
Cable/Internet $200
Food/Entertainment $300
Other $200
Total Expenses $1,955

Net Income $1,345
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491690
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: 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): 6 First credit line: Mar-2008 Debt/Income ratio: 37%
Credit score: 720-739 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 7 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,032Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: No  
Screen name: thoughtful-finance3 Borrower's state: Oklahoma 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: 14 ( 100% ) 720-739 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
640-659 (Oct-2009)
 
Principal balance: $1,253.84 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
Auto Use
Purpose of loan:
This loan will be used to?refinance toyota?4Runner 2006?

My financial situation:
I am a good candidate for this loan because I?pay all bills on time and my recent credit score is 739.?This will be my second loan from prosper.

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 491860
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 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: Feb-1993 Debt/Income ratio: 3%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 20 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: credit-hugger 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
credit-huddle
Purpose of loan:
This loan will be used to?
Car and some bills

My financial situation:
I am a good candidate for this loan because?
My credit use to be A1 until i relocated and was out of work for a year.? I was was force to file bankrupcy due to no income.

Monthly net income: $
2,500
Monthly expenses: $
??Housing: $ 520,00
??Insurance: $
??Car expenses: $ Car Paid for
??Utilities: $ o
??Phone, cable, internet: $ 120
??Food, entertainment: $ 55
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $
50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491872
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: 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: Apr-2000 Debt/Income ratio: 26%
Credit score: 760-779 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 7 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,197Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: No  
Screen name: logical-commitment7 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
TryingToBuildSomeCredit
Purpose of loan:
This loan will be used to consolidate bills, and repair my transportation. ???

My financial situation:
I am a good candidate for this loan because I pay my bills on time.? I could ride my bicycle to work if I needed to save on gas.? I do not pay rent, I live with family.? I work full time and try to pick up extra overtime when ever possible.

Monthly net income: $ 2200

Monthly expenses: $ 500.00
??Housing: $ 0
??Insurance: $ 80
??Car expenses: $ 100
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 120
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491896
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: 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: Oct-1984 Debt/Income ratio: 39%
Credit score: 720-739 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 16Length of status:17y 3m
Amount delinquent: $0 Total credit lines: 52 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $37,596Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: paydown100 Borrower's state: WestVirginia 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: 29 ( 100% ) 720-739 (Latest)
Principal borrowed: $20,790.00< 31 days late: 0 ( 0% )  
760-779 (Apr-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
paydown100
Purpose of loan:financial situation:
Iam a good candidate for this loan because?
I have already payed one 20,000 dollar loan with no missed payments and my payment record on all my accounts are good.
Monthly net income: $
8000
Monthly expenses: $
??Housing: $ 150
??Insurance: $ 140
??Car expenses: $ 100
??Utilities: $ 150
??Phone, cable, internet: $ 200
??Food, entertainment: $250
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 1400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491920
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: B Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 16.65% Monthly payment: $86.04
 
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: Nov-2003 Debt/Income ratio: Not calculated
Credit score: 720-739 (Jan-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 15 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,490Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: No  
Screen name: simbad 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
Help me finance my transportation
Purpose of loan:
This loan will be used to purchase a motorcycle only to be used for leisure time, I have a reliable car (2006 350z) that is fully paid off.

My financial situation:
I am a good candidate for this loan because I have excellent credit, I am a college grad, and employed in a sturdy, growing industry.

Monthly net income: $3600

Monthly expenses: $ 1100
??Housing: $500
??Insurance: $100
??Car expenses: $0
??Utilities: $0
??Phone, cable, internet: $100
??Food, entertainment: $300
??Clothing, household expenses $0
??Credit cards and other loans: $0
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491922
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: Jul-1994 Debt/Income ratio: 4%
Credit score: 780-799 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 13 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: momentous-credit3 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
Medical practice Loan
Purpose of loan:
This loan will be used to expand my medical practice in Radiology.

My financial situation: I am a medical Dr and earn $430,000 per year (verifiable)
I am a good candidate for this loan because the loan will result in an increase in my annual income. The loan is a rather small % of my annual income. Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491952
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $261.29
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* 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-2003 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Jan-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,764Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: liberty-mechanic8 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
paying off IRS to keep home
Purpose of loan:
This loan will be used to? pay the IRS, so that they do not take my home, or to garnish my income

My financial situation:
I am a good candidate for this loan because? I work hard, I keep my word and pay my bills.? I have a JC Penny and a Wal-Mart card, both are in great shape.? I am raising my 4 year old grandson and want to keep our home.? I am planning to pay this off in 2 years.? I would also like to become a lender, I feel this is a great help to people that need help.

Monthly net income: $ 4, 200.00

Monthly expenses: $
??Housing: $ I own my home and a small rent house
??Insurance: $ 900.00 a year
??Car expenses: $ 543.00 a month
??Utilities: $ 250.00 a month
??Phone, cable, internet: $ 70.00
??Food, entertainment: $ 350.00
??Clothing, household expenses $ 50 - 100 a month, maybe
??Credit cards and other loans: $ 20-35.00 when I use a credit card
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491719
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: C Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 7.70%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 21.34% Monthly payment: $144.59
 
Lender servicing fee: 1.00% Effective Yield*: 16.60%  
Estimated return*: 8.90%  
* 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: Mar-1994 Debt/Income ratio: 12%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 8Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 25 Occupation: Professional
Public records last 12m / 10y: 0/ 4 Revolving credit balance: $3,385Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: No  
Screen name: baysfarea Borrower's state: California Borrower's group: Graduates from America's Top 50 Colleges and Universities
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 / 2 On-time: 71 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,549.00< 31 days late: 0 ( 0% )  
600-619 (Dec-2007)
560-579 (Nov-2007)
580-599 (Apr-2007)
540-559 (May-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 71  
Description
2 paid in full prosper loans
Purpose of loan:
Payoff high interest rate credit card debts. I have some 20-30% unsecured debts that will be liquidated with this loan. My goal is to be debt free by 2013 and this loan shall facilitate that goal. This loan will pay off 200 worth of monthly debt exposure and lower interest rates I am paying. Thank you!
My financial situation:
I am a good candidate for this loan because? I have paid off two prosper loans recently I had since 2007 with 0x30 lates and have reduced debt load to nominal amounts. I have low debt load and obligations. I have 50k in liquid assets that I am earmarking for purchase of home in next 3 years.

Monthly net income: $ 4500

Monthly expenses: $
??Housing: $ 990
??Insurance: $ 35
??Car expenses: $25
??Utilities: $ 55
??Phone, cable, internet: $ 90
??Food, entertainment: $?125
lothing, household expenses $50
Credit cards and other loans: $ 199
ther expenses: $ 10
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491831
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: Apr-1989 Debt/Income ratio: 33%
Credit score: 780-799 (Jan-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:12y 4m
Amount delinquent: $0 Total credit lines: 41 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,838Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: Yes  
Screen name: gain-companion1 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
need to fix up house
Purpose of loan
I will use this loan to fix up my house I have a very ill son and I need to make a room down stairs for him he can not go up or down stairs it will help him out tremendously ?

My financial situation:
I am a good candidate for this loan because? I pay my bills always on time and i am never late and i will pay this loan back and on time every month that it is due

Monthly net income: $ 2,500

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 200
??Car expenses: $ 150?
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 80
??Clothing, household expenses $?100
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491857
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): 6 First credit line: May-2007 Debt/Income ratio: 13%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 8Length of status:1y 8m
Amount delinquent: $18 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,129Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: Yes  
Screen name: principal-leather 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
myboatloan1
Purpose of loan:
This loan will be used to?
purchase a boat
My financial situation:
I am a good candidate for this loan because?
if you look at my actual credit? report there is no late pay even with the one showing it is paid conns fault
Monthly net income: $
7600
Monthly expenses: $
??Housing: $ 872
??Insurance: $ 245
??Car expenses: $ 700
??Utilities: $350
??Phone, cable, internet: $174
??Food, entertainment: $ 450
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 399
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491863
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $122.46
 
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: Jan-1984 Debt/Income ratio: 22%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 23 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,502Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: impeccable-p2ploan2 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
pcar
Purpose of loan:
This loan will be used to purchase a used car.

My financial situation:
I am a good candidate for this loan because I must be responsible with my finances in order to keep by mortgage license.

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 491899
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: May-1986 Debt/Income ratio: 17%
Credit score: 740-759 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:8y 5m
Amount delinquent: $0 Total credit lines: 15 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,633Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: No  
Screen name: credit-enchilada 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
credit-enchilada
Purpose of loan:
This loan will be used to?pay off?my fiancees TV, truck and my attorney bill and the rest will go on our wedding in March.?I notice that the credit report show me with a revolving credit balance - I don't have one this is incorrect and it also reports me as NOT owning the home that I DO own.

My financial situation:
I am a good candidate for this loan because? I have steady employment, my home is paid in full and after a recent (December 2010) divorce, solely in my name.

Monthly net income: $ 40425.300/12=3368.77? I am not including my fiancees income but it goes into our shared account as well

Monthly expenses: $
??Housing: $ paid in full
??Insurance: $ auto $394 - covers me, my 18 year old son & my fiancee
??Car expenses: $ paid in full - only gas?about $200
??Utilities: $ electric varies?by season - average about $400 (higher in winter) no gas, water average $27
??Phone, cable, internet: $ cell phone $108, Satellite $115, Embarq house phone & internet $80
??Food, entertainment: $ 800
??Clothing, household expenses $ 200 - rarely buy clothing
??Credit cards and other loans: $ none
??Other expenses: $ none
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491911
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
Minimum Amount to Fund: $2,800 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-1984 Debt/Income ratio: 20%
Credit score: 700-719 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:42y 8m
Amount delinquent: $0 Total credit lines: 18 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $170,520Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: forthright-bill6 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
CWU Home improvement loan
Purpose of loan:
This loan will be used to buy heat pump?

My financial situation:
I am a good candidate for this loan because I pay my bills and am responsilble.& make my payments on time.?

Monthly net income: $ 9,000

Monthly expenses: $
??Housing: $ 1,800
??Insurance: $?500??Car expenses: $ 800
??Utilities: $
500??Phone, cable, internet: $ 300
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $1,000
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491917
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: 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): 6 First credit line: Sep-1996 Debt/Income ratio: 17%
Credit score: 700-719 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:9y 3m
Amount delinquent: $0 Total credit lines: 14 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 4 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: Ray9247 Borrower's state: Oregon Borrower's group: UtopiaLoans.com - Now Over $1 Million in Closed Loans!!
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 76 ( 100% ) 700-719 (Latest)
Principal borrowed: $22,000.00< 31 days late: 0 ( 0% )  
680-699 (Mar-2010)
660-679 (Feb-2010)
660-679 (Dec-2009)
640-659 (Nov-2009)
 
Principal balance: $5,010.89 31+ days late: 0 ( 0% )
Total payments billed: 76  
Description
TEMP BRIDGE FINANCING
Happy New Year Investors: 2010 was a good year for us considering the economy, we only grossed? three hundred K but we netted 91K but ?we paid off 90% of our debts and paid our total debt down to $ 15,000.00 dollars including the moneys we owe to Prosper investors. What we need capital for: We need a short infusion to sustain our everyday expenses for the next ninety days until we start receiving funds from contracts won. Contracts in play: We have a contract with the City of Pasadena for $ 217,478.00 which we will start delivering product to them by the first week of February and complete delivery by the 25th March, 2011 and will be paid thirty days after delivery. We have a contract with the city of Lake Worth FL for $ 55,525.00 and will be shipping ? of order and product by February 25th, 2011 and will be paid thirty days. The remaining product will be delivered by March 25th, 2011. We anticipate a contract extension from Houston Metro for an additional 394 STOP signs which is an additional $ 98,500.00. We also still have our base contracts with Tri-MET, Nova Bus, New Flyer, Gillig Corp, which we receive orders from on a monthly basis. We should be able to pay off any accounts payables including Prosper within a six month period and hopefully come out with sufficient cash flow to carry us through the year. Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491919
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,000 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $217.74
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-2000 Debt/Income ratio: 22%
Credit score: 680-699 (Jan-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 4 / 4Length of status:9y 0m
Amount delinquent: $358 Total credit lines: 39 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,338Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 27%  
   Homeownership: No  
Screen name: favorite-liberty8 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
needing a loan
Purpose of loan:
This loan will be used to? Medical bills/ Vacation????

My financial situation:
I am a good candidate for this loan because? I do pay back my loans on time. Also i have great job time and residence time????

Monthly net income: $ 2300.00????????

Monthly expenses: $
??Housing: $ 0???

??Insurance: $?0
??Car expenses: $420.00
??Utilities: $ 0Phone, cable, internet: $ 75.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $50.00??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492053
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: $4,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.99% Borrower rate/APR: 19.99% / 23.38% Monthly payment: $167.21
 
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): 8 First credit line: Jul-2001 Debt/Income ratio: 7%
Credit score: 700-719 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:8y 0m
Amount delinquent: $0 Total credit lines: 17 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $482Stated income:$25,000-$49,999
Delinquencies in last 7y: 24 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: MoneyMakesMoney Borrower's state: Florida Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
A Safe Return
Purpose of loan: Mother in Law is selling me her 2006 Honda Accord V6 for the loan balance of $4k and NADA values car at $10-$12k. Great collateral + Great Employment = Safe and Reliable Return. I was approved through my bank for $6k at 28.99% and I remembered about prosper so here I am....

My financial situation: I have very stable employment, have been employed for 8+ years!
I am a good candidate for this loan because I have the ability to pay, I could also take out a 401k loan but that does not report on my credit and I am trying to re-establish excellent credit!

Monthly net income: $ 2500

Monthly expenses:
??Housing: $769
??Insurance: $75
??Car expenses (Gas: $50-100)
??Utilities: $50 (Split with wife)
??Cell Phone, Cable, Internet: $100
??Food, Entertainment: $100
??Clothing, Household Expenses $150
??Credit cards and other loans: $0
??Other expenses: $100
Information in the Description is not verified.