Listing Report:Supplement No. 40 dated Feb 02, 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 490694
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: $17,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $17,000 Estimated loss*: 1.55%  
Term: 60 months  
 
Lender yield: 8.55% Borrower rate/APR: 9.55% / 9.77% Monthly payment: $357.45
 
Lender servicing fee: 1.00% Effective Yield*: 8.54%  
Estimated return*: 6.99%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Feb-2001 Debt/Income ratio: 15%
Credit score: 760-779 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 5 / 4Length of status:3y 1m
Amount delinquent: $4,757 Total credit lines: 14 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,071Stated income:$75,000-$99,999
Delinquencies in last 7y: 23 Bankcard utilization: 12%  
   Homeownership: Yes  
Screen name: worthy-moola1 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
LOAN
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492286
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $306.15
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.54%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-2000 Debt/Income ratio: 10%
Credit score: 680-699 (Jan-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 6 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,414Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: No  
Screen name: ultimate-exchange0 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
Trip
Purpose of loan:
This loan will be used?to pay for my anniversary trip and pay off some cards?

My financial situation:
I am a good candidate for this loan because I am a permanent resident of the US that began to build my credit five years ago. I have never been late nor have I never made a payment on my account(s). I am trying to obtain this type of loan to continue building my credit history so that in the next few years I can be approved for a mortgage loan which?I have been told this type of loan I am requesting?lacks on my credit history

Monthly net income: $ 4500

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 60
??Car expenses: $ own
??Utilities: $ 225
??Phone, cable, internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 150
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492438
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: C Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.99% Borrower rate/APR: 19.99% / 23.38% Monthly payment: $185.79
 
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: Apr-2000 Debt/Income ratio: 18%
Credit score: 640-659 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 10 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,420Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: spry-principal1 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
CC Consolidation for Easier Payoff
Purpose of loan:
This loan will be used to pay off my existing credit cards in full.? The APRs are between 24 and 27% on all of them, and I would like to consolidate to a lower APR and a single point of payment.

My financial situation:
I am a good candidate for this loan because I always make my payments on time.? I rent, so I have relatively low monthly expenses.? I currently support myself and my wife on only my income, however she will be returning to work within the next two months, which will allow us to pay off this loan more quickly.

Monthly net income: $ 3280

Monthly expenses: $ 2230
??Housing: $ 710
??Insurance: $ 160
??Car expenses: $ 415
??Utilities: $? 30
??Phone, cable, internet: $ 55
??Food, entertainment: $ 400
??Clothing, household expenses $ 60
??Credit cards and other loans: $ 250
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492490
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: D Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $102.05
 
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: Jan-1999 Debt/Income ratio: 17%
Credit score: 700-719 (Feb-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 19Length of status:34y 0m
Amount delinquent: $0 Total credit lines: 39 Occupation: Engineer - Chemical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,804Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: Yes  
Screen name: rupee-builder4 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
jaytompkins
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492496
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $306.15
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.54%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Apr-2005 Debt/Income ratio: 8%
Credit score: 660-679 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 4Length of status:3y 0m
Amount delinquent: $2,285 Total credit lines: 19 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $255Stated income:$50,000-$74,999
Delinquencies in last 7y: 30 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: moola-pony5 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
Business Inventory Loan
Purpose of loan:
This loan will be used to help add inventory and further market my company to position it for strong growth in 2011.

My financial situation:
I am a good candidate for this loan because I have a proven track record with growing my business. We grew 50% in revenue last year over 2009 and are on track to grow even further this year. My credit report does show a delinquent trade line due to the credit bureau posting one of my father's hospital bills from his heart attack onto my credit accidentally since we share the same name. I am in the process of getting this removed. Additionally, my bank does not report to Experian, only Equifax, so my credit report does not take into consideration a $30000.00 car loan that I have had and paid on for over a year, 3 personal loans I have taken out and paid for and a $7,500.00 credit limit credit card which I paid 5x the minimum payment on each month.

Monthly net income: $3230.00

Monthly expenses: $2320.00
??Housing: $500.00
??Insurance: $95.00
??Car expenses: $450.00
??Utilities: $0
??Phone, cable, internet: $350.00
??Food, entertainment: $300.00
??Clothing, household expenses $200.00
??Credit cards and other loans: $125.00
??Other expenses: $300.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492508
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: C Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.99% Borrower rate/APR: 19.99% / 23.38% Monthly payment: $371.58
 
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: Nov-1996 Debt/Income ratio: 52%
Credit score: 780-799 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:7y 5m
Amount delinquent: $0 Total credit lines: 40 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $61,531Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: upbeat-coin2 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
Dumping Debt!
Purpose of loan:This loan will be used to consolidate a few accounts to a lower interest. The only remaining accounts will contain credit card and loan balances from going back to school for a further credential (around $50,000) Yes, school was expensive!

My financial situation: My actual take home pay is around $8,400 since I also have my husbands income. We have very stable jobs and have for years. We are ready to get some of our debt consolidated so we can follow Dave Ramsey and Live Like No One Else!! I would love to see more of our pay go into retirement and long term savings. This loan will free up hundreds of dollars a month to further attack our debt.

I am a good candidate for this loan because despite having high debt now, I have always had excellent credit and no missed payments. I am a trustworthy person ready to dump this debt! Although the debt did pile up for an honest reason (school), it is time to get rid of it for good!

Our total monthly bills leave us with about 600-700 dollars extra a month so paying this loan will not be a stretch.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492524
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: Jan-1990 Debt/Income ratio: 10%
Credit score: 740-759 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 24 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,710Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: reflective-openness6 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
payoff bills
Purpose of loan:
This loan will be used to? pay off credit cards and home improvement

My financial situation:
I am a good candidate for this loan because? paying off my credit cards will help me with decreasing my debt and the amount I'm paying out monthly.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492632
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: Aug-1993 Debt/Income ratio: Not calculated
Credit score: 780-799 (Feb-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 14Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0 
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: wealth-point5 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Purchasing income property
Purpose of loan:
This loan will be used to make a cash purchase for a single family house. The house is in great shape and will be placed for rent immediately after purchase. The sale price for the house is 25,000, we will be giving a deposit of $10,000

My financial situation:
I am a good candidate for this loan because even though I am not working my husband is and we are using his income of $60,000/yr to cover this loan. We do not have any debt at all, no credit cards, no outstanding loans and there lies the problem in obtaining credit with a regular bank- not enough revolving credit even though we are in tip top financial shape. We save 50% of our income in a separate savings account. I do not have a job at this time because I have been waiting for my permanent residency (green card) to be able to get back in the work force. I received it just this month and will be actively pursuing opportunities in my field shortly. I am an environmental engineer by training, field that I have worked full time since 2003-2009.

Monthly net income: $4,300

Monthly expenses: $ 2150
??Housing: $ 600 HOA
??Insurance: $ 100
??Car expenses: fully paid for
??Utilities: included in HOA
??Phone, cable, internet: $100
??Food, entertainment: $600
??Clothing, household expenses $750
??Credit cards and other loans: $0
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492650
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*: 8.70%  
Term: 36 months  
 
Lender yield: 18.99% Borrower rate/APR: 19.99% / 23.38% Monthly payment: $148.63
 
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: Jan-1997 Debt/Income ratio: 15%
Credit score: 640-659 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:18y 8m
Amount delinquent: $0 Total credit lines: 21 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $32,038Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: caring-credit2 Borrower's state: SouthCarolina 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
WillPay36
Purpose of loan:
This loan will be used to? Lower some high interest credit cards

My financial situation:
I am a good candidate for this loan because I am already pay the cards, I would like to save a little money

Monthly net income: $ 5400

Monthly expenses: $?4906
??Housing: $ 1875
??Insurance: $ 310
??Car expenses: $181
??Utilities: $ 240
??Phone, cable, internet: $215
??Food, entertainment: $ 475
??Clothing, household expenses $125
??Credit cards and other loans: $ 960
??Other expenses: $ 525
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492674
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): 7 First credit line: Jun-1992 Debt/Income ratio: 14%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:3y 11m
Amount delinquent: $54 Total credit lines: 12 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $294Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: sharp-moola9 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
Utility User Tax Refund Los Angeles
We are requesting a small loan to expand our eight-year old social entrepreneurial enterprise in Los Angeles. We have the opportunity of assisting thousands of California residents with filing utility user tax refunds with various municipalities. Certain cities owe their residents from 19 to 55 months worth of back taxes for cellular phone usage, and due to California's unemployment rate at 12.4%, many residents would take advantage of our service to help them recoup money owed to them. Thanks to my employment as a college counselor, I can reasonably make the monthly payments to repay investors as security for this loan. We appreciate your consideration to support this worthy business venture.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492680
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: Oct-2001 Debt/Income ratio: 17%
Credit score: 780-799 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 13 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,085Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: Yes  
Screen name: orchestra141 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
Improvements to condo
Loan Purpose:
I will be using this loan to make improvements to my condo which I purchased in Houston recently. I would like to rent out the condo on a short term basis to employees in my company who work in the home office?2 blocks?away?on short term assignments and would like to make improvements and furnish the condo?to improve rental rates.

My financial situation:
I am currently working on a long term assignment overseas where I will be earning significantly more income in the next couple years due to tax breaks and assignment bonuses.? I expect to continue my career back in my home office in the US following this assignment.? I do not incur living expenses while overseas, since I am reimbursed,?and will have a significant portion of my income available to meet this loan obligation.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492692
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: Feb-1998 Debt/Income ratio: 13%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 7Length of status:12y 4m
Amount delinquent: $0 Total credit lines: 18 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $99,954Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: vibrant-dollar7 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
Loan Needed
Purpose of loan:
This loan will be used towards our IVF Treatment.

My financial situation:
I am financially stable and eventhough I can pay off our IVF treatment, but I do not want pay everything in cash.? I will definitely pay off this loan before end of this year.

Monthly net income: $ 10000

Monthly expenses: $
??Housing: $ 850
??Insurance: $250
??Car expenses: $ 400
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 200?
??Credit cards and other loans: $ 1500
??Other expenses: $ 1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491263
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: Oct-1995 Debt/Income ratio: 25%
Credit score: 640-659 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 22 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,943Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: MIKE_L Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 640-659 (Latest)
Principal borrowed: $4,500.00< 31 days late: 0 ( 0% )  
640-659 (Feb-2010)
 
Principal balance: $3,519.49 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Incredible Investement Property
Purpose of loan:
This loan will be used to purchase an investement property.? The property I am looking at is a duplex with 3 bedrooms on each side.? This property is being sold for $7500 plus closing costs. Currently the left side is rented at $500/month. The right side is empty and needs some work to have ready for renters.? I currently own 2 other rental properties(duplexes) which I have rehabed and then rented.? I know from my experiece with the other rentals that it would take approximatly 5 weeks of work to have the right side ready.? I have approximatly $4500 in savings for closing costs and rehab expenses.? The income from the left side will cover the $300 payment for this loan.? I would expect to get $500/mo. for the right side when completed.

My financial situation:
I am a good candidate for this loan because I have always payed my bills.? Until I lost my job 2 years ago, I had excellent credit.? I have been in my current job for 1.5 years, and expect to be there for a long time.Monthly net income: $ 4416 (my income only)Monthly expenses: $ 2800
? Housing: $ 625
? Insurance: $ 25
? Car expenses: $ 200
? Utilities: $ 150
? Prosper Loan: 182
? Phone, cable, internet: $ 200?
? Food, entertainment: $ 300
? Clothing, household expenses $250
? Credit cards and other loans: $650
? Other expenses: $ 260 ChildcareAdditional Income
Ebay: $200/mo (this isn't always consistent)
Current Rental income(Net): $500/Mo
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491883
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: Sep-1984 Debt/Income ratio: 16%
Credit score: 820-839 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 43 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,467Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: Yes  
Screen name: dynamic-repayment3 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
Divorce-Related Credit Card Debt
Purpose of loan:

This loan will be used to pay off credit card debt accumulated while I was separated from my ex-wife in 2009. I was in the habit of not carrying a balance on this or any other card. However, my access to our?joint bank account was restricted pending completion of our?property settlement?and I was forced to?carry a balance for necessities. I do receive the best rate the credit card bank has to offer, but it is still high. I have been paying the?balance down slowly but would like to accelerate that process by obtaining a?loan at a lower rate and repaying that loan instead.?????

My financial situation:
I am a good candidate for this loan because of my long and excellent credit history,?my current income and my prospects for continued employment in my field.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492493
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: A Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 3.25%  
Term: 36 months  
 
Lender yield: 7.49% Borrower rate/APR: 8.49% / 10.58% Monthly payment: $142.03
 
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: May-1996 Debt/Income ratio: 14%
Credit score: 720-739 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:15y 2m
Amount delinquent: $0 Total credit lines: 24 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,241Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: No  
Screen name: leverage-antioxidant 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 5 ( 83% ) 720-739 (Latest)
Principal borrowed: $4,500.00< 31 days late: 1 ( 17% )  
800-819 (Jun-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Need to buy another car for family
Purpose of loan:
This loan will be used to?buy another car for my family.? My teenage daughter is driving and we need to get an older used car for use around town.

My financial situation:
I am a good candidate for this loan because?I am in the military and have a steady income that wont change.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492511
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: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
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): 4 First credit line: Apr-1978 Debt/Income ratio: 4%
Credit score: 700-719 (Feb-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:4y 9m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: eloquent-gain0 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need To Increase Inventory
Purpose of loan:
This loan will be used to increase my inventory due to an increase in business.? I am an importer of cremation urns and wholesale them directly to licensed funeral homes and cemeteries.? My business has increased every month for that past 8 months.? I have secured a deal to distribute my products nationally through a well established company that has sales reps in 17 states.? My situation is that it takes anywhere from 45-60 days for my products to be built, shipped and arrive at my warehouse.? Payment has to be made upfront for these orders.? So to increase my inventory I need to payout a considerable amount, which will cause a cash flow problem.? That is the reason for the loan.? To get me from order to arrival.? Also note that the funeral/cremation business will be rising for the next 25 years as the baby boomers get older.? It will be the largest increase in this business ever reported.? Cremation Rate has double over the last 5 years in many states.? Here in Florida the rate is approx 70%.? Of the 400 independent firms in Florida, i currently do business with 140.

My financial situation:
I am a good candidate for this loan because I have well established credit, business is increasing, your money can be secured against the inventory, so even if it had to be sold at cost, you would be repaid.? Also this loan will help me in establishing additional business credit.? As you know, it is near impossible to secure small business credit.

Monthly net income: $ 4330

Monthly expenses: $ 2465
??Housing: $ 980
??Insurance: $ 120
??Car expenses: $ 475
??Utilities: $ 150
??Phone, cable, internet: $90
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492531
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: Oct-2003 Debt/Income ratio: 5%
Credit score: 640-659 (Feb-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 1Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: openness-scientist9 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
my auto loan
Purpose of loan:
This loan will be used for temporary moving expenses, as I am just arriving in the area and need to purchase a cheap cash car.

My financial situation:
I am a good candidate for this loan because I have a good education and work history, making my ability to hold/get a job very easy.

Monthly net income: $ 6500

Monthly expenses: $ 1700
??Housing: $1200
??Insurance: $70
??Car expenses: $60
??Utilities: $0
??Phone, cable, internet: $20
??Food, entertainment: $240
??Clothing, household expenses $0
??Credit cards and other loans: $100
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492551
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $6,000 Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 5.55% Borrower rate/APR: 6.55% / 6.89% Monthly payment: $184.03
 
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: Nov-1995 Debt/Income ratio: 4%
Credit score: 720-739 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:7y 9m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,165Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: ready-treasure5 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
Consolidate Debt
Purpose of loan:
Lower my interest expense

My financial situation:
I have a fairly stable job. I pay a substantial amount of child and spousal support but other than that I have a pretty simple financial picture.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492689
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: D Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $244.92
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.54%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jun-1994 Debt/Income ratio: 17%
Credit score: 640-659 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 12 / 12Length of status:14y 10m
Amount delinquent: $677 Total credit lines: 23 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,044Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: market-defender3 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation Loan
Purpose of loan:
This loan will be used to pay off my current credit card debt and one outstanding personal loan. The reason I am applying for a debt consolidation loan is to improve my credit score, the convenience?of having one payment and at the same time lowering my monthly payment.?
I would like to buy a home in the future and want to improve my credit score to get the best possible % rate.
My financial situation:
I am a good candidate for this loan because I like the idea of people helping people. I pay my monthly debts?on time and I usually pay off my personal loans ahead of time. I am also looking to invest with Prosper.com.?I have been at my home for 9 years when I first got married and I have been with my current employer for almost 15 years now. I'd like to see my credit score improve and look forward to helping others like me in the future.

Monthly net income: $ 2838.86

Monthly expenses: $
??Housing: $ 700.00
??Insurance: $ N/A
??Car expenses: $ 172.40 - Car Ins. - Car is paid off
??Utilities: $ 150.00 - FPL/ I don't pay for water
??Phone, cable, internet: $ 44.00
??Food, entertainment: $?600.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 320.00
??Other expenses: $ N/A
Information in the Description is not verified.