Listing Report:Supplement No. 51 dated Feb 08, 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 489694
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 3.25%  
Term: 36 months  
 
Lender yield: 7.49% Borrower rate/APR: 8.49% / 10.58% Monthly payment: $299.85
 
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: Sep-1999 Debt/Income ratio: 15%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:9y 9m
Amount delinquent: $0 Total credit lines: 17 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,154Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: No  
Screen name: lisasheart11 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 30 ( 97% ) 740-759 (Latest)
Principal borrowed: $6,000.00< 31 days late: 1 ( 3% )  
740-759 (Nov-2009)
640-659 (Feb-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
Home Improvements and Pay Off Debt
Purpose of loan:
This loan will be used to? I would like to do some improvements to our home that we own. New sod, new carpets and some new paint. I would also like to consolidate all my credit cards into one monthly payment.

My financial situation:
I am a good candidate for this loan because? This will be my second loan with prosper. I paid off my first loan early as I?plan to?do with this one.I make plenty of money to afford this payment and I pride myself on my credit worthyness and I have worked hard to get my score into the 700's.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 491874
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $87.10
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 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: Jul-1994 Debt/Income ratio: 13%
Credit score: 720-739 (Jan-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 49 Occupation: Social Worker
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $428Stated income:$50,000-$74,999
Delinquencies in last 7y: 34 Bankcard utilization: 13%  
   Homeownership: Yes  
Screen name: cash-chime4 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
My loan for debt consolidation
Purpose of loan:
This loan will be used to consolidate a few credit cards

My financial situation:
I am a good candidate for this loan because I am a professional having received my graduate degree, my credit score is 728, and was previously over 800. I made an investment in the real estate market that unfortunately did not "prosper". But I am rebuilding rapidly and will pay the Prosper loan off as rapidly as possibly. I am very responsible and have been steadily rebuilding my credit within the last few years. Thank you so very much for your help.

Monthly net income: $4900.00

Monthly expenses: $
??Housing: $ 500.00
??Insurance: $ 130.00
??Car expenses: $ 265.00
??Utilities: $ 225.00
??Phone, cable, internet: $ 140.00?
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 100.00?
??Credit cards and other loans: $ 1950.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493048
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: B Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 16.65% Monthly payment: $344.16
 
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: Jan-1994 Debt/Income ratio: 13%
Credit score: 720-739 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 8Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 26 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $561Stated income:$100,000+
Delinquencies in last 7y: 2 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: new-goodhearted-economy Borrower's state: Connecticut 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
vacation4
Purpose of loan:
This loan will be used to? hearing aids- they are not covered by insurance

My financial situation:
I am a good candidate for this loan because?I pay my bills on time I have learned the hard way years ago how harmful falling behind is?

Monthly net income: $12,000 net of taxes and 401 deductions etc

Monthly expenses: $
??Housing: $ 4300
??Insurance: $ included in my mortgage
??Car expenses: $ 1211
??Utilities: $ 1200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $600
??Credit cards and other loans: $?150
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493054
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 16.49% Borrower rate/APR: 17.49% / 18.91% Monthly payment: $376.75
 
Lender servicing fee: 1.00% Effective Yield*: 16.20%  
Estimated return*: 10.25%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Mar-2001 Debt/Income ratio: Not calculated
Credit score: 800-819 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 17 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,757Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: No  
Screen name: tremendous-marketplace3 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
Almost Debt free
Purpose of loan:
This loan will be used to consolidate the last of my remaining debt and be debt free!

My financial situation:
I am a good candidate for this loan because my credit score is considered "excellent" and have very little credit card debt. I recently purchased a ring my girlfriend and would like to consolidate the balance from the ring with the remainder of my credit card debt.

Monthly net income: $ 4000.00 +

Monthly expenses: $
??Housing: $ 800 ????
??Insurance: $ 200 ????
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 350
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493060
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $6,300 Estimated loss*: 1.30%  
Term: 36 months  
 
Lender yield: 4.99% Borrower rate/APR: 5.99% / 6.33% Monthly payment: $273.76
 
Lender servicing fee: 1.00% Effective Yield*: 5.00%  
Estimated return*: 3.70%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: May-2001 Debt/Income ratio: 6%
Credit score: 780-799 (Feb-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 57 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,799Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: DeutscheBank 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 17 ( 100% ) 780-799 (Latest)
Principal borrowed: $6,001.00< 31 days late: 0 ( 0% )  
780-799 (Apr-2008)
780-799 (Feb-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 17  
Description
Need to pay off high rate auto loan
Purpose of loan:
This loan will be used to? pay off a current auto loan that has a higher rate!

My financial situation: Excellent
I am a good candidate for this loan because? I will not let you down.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493066
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: Dec-1993 Debt/Income ratio: 20%
Credit score: 800-819 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 10Length of status:1y 5m
Amount delinquent: $266 Total credit lines: 28 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $63,185Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: Yes  
Screen name: reverent-liberty0 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
Jlangfo Consolidation Loan
Purpose of loan:
This loan will be used to consolidate credit debt

My financial situation:
I am a good candidate for this loan because both my wife and I work, we have excellent credit and I'm in a sales executive position that should generate income of 350k + my wife's income of 120k+

Monthly net income: $ 13,500 with base-salary only included.

Monthly expenses: $
??Housing: $ 4,200
??Insurance: $ 250
??Car expenses: $ 0 - one car is paid off, the other paid for by my wife's employer
??Utilities: $ 300
??Phone, cable, internet: $ 200
??Food, entertainment: $ 900
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 3000
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493078
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $12,000 Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 5.55% Borrower rate/APR: 6.55% / 6.89% Monthly payment: $368.06
 
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: Sep-1998 Debt/Income ratio: 18%
Credit score: 780-799 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 29 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,521Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 13%  
   Homeownership: Yes  
Screen name: first-note-virtuoso 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
Young Engineer Consolidating Debt
Purpose of loan:
This loan will be used to consolidate debt into one payment.

My financial situation: I am currently employed working for a defense company.
I am a good candidate for this loan because: I am a good engineer and an asset to my small but growing company.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493102
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 8.55% Borrower rate/APR: 9.55% / 11.65% Monthly payment: $160.28
 
Lender servicing fee: 1.00% Effective Yield*: 8.53%  
Estimated return*: 5.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Feb-1978 Debt/Income ratio: 5%
Credit score: 780-799 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:11y 11m
Amount delinquent: $0 Total credit lines: 2 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $425Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: courageous-money3 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
ern
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 493114
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): 6 First credit line: Apr-1996 Debt/Income ratio: 21%
Credit score: 660-679 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 20 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $244Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: adorable-openness1 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
summer
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 493120
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.99% Borrower rate/APR: 19.99% / 23.38% Monthly payment: $260.11
 
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: Jun-1989 Debt/Income ratio: 22%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 19 / 15Length of status:4y 7m
Amount delinquent: $0 Total credit lines: 45 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $32,561Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: kindness-pole9 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
Home Improvement Loan
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 493152
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,500 Estimated loss*: 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: Jan-2001 Debt/Income ratio: 30%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 20Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 71 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $37,060Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: supreme-ore 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
Debt Consolidation
Purpose of loan:
This loan will be used to help pay off credit cards and consolidate them

My financial situation:
I am a good candidate for this loan because I have never paid a bill late in my life and am responsible.

Monthly net income: $ 6500

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 493172
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 16.49% Borrower rate/APR: 17.49% / 18.91% Monthly payment: $376.75
 
Lender servicing fee: 1.00% Effective Yield*: 16.20%  
Estimated return*: 10.25%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1987 Debt/Income ratio: 52%
Credit score: 780-799 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 15Length of status:12y 0m
Amount delinquent: $0 Total credit lines: 40 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,062Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: Yes  
Screen name: immaculate-value4 Borrower's state: Tennessee 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
Purpose of loan:
This loan will be used to?consolidate

My financial situation:
I am a good candidate for this loan because? i always pay my bills on time

Monthly net income: $ 45000

Monthly expenses: $
??Housing: $ 739.85
??Insurance: $ 700
??Car expenses: $ 428.57
??Utilities: $ 175
??Phone, cable, internet: $ 155
??Food, entertainment: $ 300
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493176
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: Mar-1985 Debt/Income ratio: 22%
Credit score: 660-679 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 31 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $41,246Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: penny-bison9 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
to pay off small personal bills
Purpose of loan:? Personal
This loan will be used to? pay off a few small bills

My financial situation:? Good
I am a good candidate for this loan because I have steady work driving, get paid on a weekly basis. Varies with type of loads and percentage of what load pays


Monthly net income: $ 6500.00-7000.00

Monthly expenses: $
??Housing: $ 800.00
??Insurance: $ 150.00
??Car expenses: $ 450.00
??Utilities: $ 120.00
??Phone, cable, internet: $ 300.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 700.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493232
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: $6,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $265.33
 
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: Mar-1999 Debt/Income ratio: 16%
Credit score: 660-679 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 45 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $290Stated income:$100,000+
Delinquencies in last 7y: 3 Bankcard utilization: 9%  
   Homeownership: Yes  
Screen name: emphatic-exchange Borrower's state: Alabama 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
San
undefinedundefinedundefined Purpose of loan:
Consolidate several smaller loan payments into one loan payment.

My financial situation:
I am a good candidate for this loan because; I have been working as a NASA Contractor for over 28 years which provides me the income stability needed to repay this loan.Because of contract changes my current employment with SAIC has been a little over a year but the same contract with NASA.I have wanted to consolidate several small loans in order to manage my finances better and keep the stress of having to pay this person, this person, etc.

Monthly net income: $ 5,400.00

Monthly expenses: $
??Housing: $ 1311.00
??Insurance: $ 65.00 (house), 230.00 (car)
??Car expenses: $ 394.00 (only 10 payments left)
??Utilities: $ 175.00
??Phone, cable, internet: $ 129.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $1,300.00 
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493256
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: Jul-1995 Debt/Income ratio: 17%
Credit score: 700-719 (Feb-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,032Stated income:$100,000+
Delinquencies in last 7y: 5 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: a-fairness-protector 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
Debt Consolidation
Purpose of loan:
This loan will be used to pay off debts and move my new bride from Los Angeles to California?

My financial situation:
I am a good candidate for this loan because I have been employed with the same employer for over 3 1/2 years and make over $100,00/year. I just made some mistakes which negatively effected my credit.

Monthly net income: $ 5,200

Monthly expenses: $
??Housing: $?700
??Insurance: $ 150
??Car expenses: $875
??Utilities: $?50
??Phone, cable, internet: $50
??Food, entertainment: $ 700
??Clothing, household expenses $200
??Credit cards and other loans: $ 100
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493262
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 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: Aug-1997 Debt/Income ratio: 24%
Credit score: 660-679 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 7 / 7Length of status:1y 8m
Amount delinquent: $1,867 Total credit lines: 66 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $451Stated income:$25,000-$49,999
Delinquencies in last 7y: 13 Bankcard utilization: 43%  
   Homeownership: No  
Screen name: punctual-benefit084 Borrower's state: Maryland 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 personal loan
Purpose of loan:
This loan will be used to open?a massage center.?

My financial situation:
I am a good candidate for this loan because I am a great massage therapist.? Although, my credit history looks atrocious it does not reflect my willingness and ability to repay a loan.

Monthly net income: $ 2000????????

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 50
??Car expenses: $ 230?
??Utilities: $ 60
??Phone, cable, internet: $ 100
??Food, entertainment: $ 50?
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 50
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493179
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: B Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 16.65% Monthly payment: $258.12
 
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): 9 First credit line: May-1998 Debt/Income ratio: 12%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 23 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $45,336Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: USMC06 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
Debt consolidation
Purpose of loan:
This loan will be used to? consolidate some debt.

My financial situation:
I am a good candidate for this loan because?
I have Never defaulted on a loan. I am very financially responsible. I am using Prosper to fund a loan because most credit card companies are looking to charge around 19% for a personal loan. My credit score is a litttle low due to high credit card balances, but all of them are getting paid and on time.
Monthly net income: $ 6000

Monthly expenses: $
??Housing: $ 724
??Insurance: $100
??Utilities: $?80
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493191
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: B Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 16.65% Monthly payment: $258.12
 
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: Feb-1988 Debt/Income ratio: 21%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 24 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,611Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: orange-cerebral-bid 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
Business Improvement $ needed
Purpose of loan:
This loan will be used to buy an awning.

My financial situation:
I am a good candidate for this loan because been in business for 11 years

Monthly net income: $

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 150
??Car expenses: $ 200
??Utilities: $ 300
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.