Listing Report:Supplement No. 61 dated Apr 08, 2011 to Prospectus dated Mar 04, 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 Mar 04, 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 Mar 04, 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 491515
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: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $80.57
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* 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: May-2000 Debt/Income ratio: Not calculated
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:7y 9m
Amount delinquent: $0 Total credit lines: 13 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,072Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: studious-principal5 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
Purpose of loan:
This loan will be used to pay off my last two credit cards.

My financial situation:
I am a good candidate for this loan because I am not looking improve my credit rating.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 500275
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: C Listing Duration: 14 days
Minimum Amount to Fund: $3,000 Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.49% Borrower rate/APR: 19.49% / 22.87% Monthly payment: $110.71
 
Lender servicing fee: 1.00% Effective Yield*: 18.06%  
Estimated return*: 9.36%  
* 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: Aug-1995 Debt/Income ratio: 5%
Credit score: 640-659 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:10y 2m
Amount delinquent: $0 Total credit lines: 17 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $9,614Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: first-dedication-buddy Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
breathing room
Purpose of loan:
This loan will be used to...pay off credit cards

My financial situation:
I am a good candidate for this loan because...I have steady employment and I am able to repay loan.


Monthly net income: $2800
Monthly expenses: $
Housing: $ 1017
Insurance: $ 150
Car expenses: $ 200
Utilities: $ 200
Phone, cable, internet: $ 0
Food, entertainment: $ 150
Clothing, household expenses: $ 150
Credit cards and other loans: $ 150
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 500411
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: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 18.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $130.65
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 10.87%  
* 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: Jan-2008 Debt/Income ratio: 18%
Credit score: 640-659 (Mar-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 21 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,191Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: No  
Screen name: green-credit-armada 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.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to...Consolidate my debt. I don't have a lot of debt, but to make life more manageable and easier I'd like to put every thing on one loan/payment to make things more organized.

My financial situation:
I am a good candidate for this loan because...My credit shows that I am in good standing to make the monthly payment on the loan. This is a very manageable feat to make without the loan, but to make my life more organized I'd like the loan to consolidate the debt I do have.


Monthly net income: $2200.00
Monthly expenses: $ 1155.50 (Everything Below)
Housing: $ 415
Insurance: $115
Car expenses: $210
Utilities: $37.50
Phone, cable, internet: $68
Food, entertainment: $120
Clothing, household expenses: $40
Credit cards and other loans: $150
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 500821
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: 27.99% Borrower rate/APR: 28.99% / 32.58% Monthly payment: $83.80
 
Lender servicing fee: 1.00% Effective Yield*: 26.71%  
Estimated return*: 12.01%  
* 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: Jan-1991 Debt/Income ratio: 49%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:5y 1m
Amount delinquent: $0 Total credit lines: 16Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,648 
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: asset-cello Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 90% ) 680-699 (Latest)
Principal borrowed: $1,000.00< 31 days late: 1 ( 10% )  
660-679 (May-2010)
 
Principal balance: $796.24 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Consolidation 2011
Purpose of loan: consolidate all debt into one debt
This loan will be used to...

My financial situation: stable, monthly 2 pension checks
I am a good candidate for this loan because... Long history of good credit


Monthly net income: $1060
Monthly expenses: $
Housing: $300
Insurance: $0
Car expenses: $0
Utilities: $35
Phone, cable, internet: $7
Food, entertainment: $150
Clothing, household expenses: $40
Credit cards and other loans: $80.00
Other expenses: $26 (bus pass)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 500881
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $282.00
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* 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: Aug-2004 Debt/Income ratio: 8%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 9Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,372Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: No  
Screen name: TXAggieAlum 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
Proposing
Purpose of loan: Engagement Ring
This loan will be used to... Purchase an engagement ring for my girlfriend of five years

My financial situation:
I am a good candidate for this loan because..... Although I landed my dream job straight out of college, I have what is called "new credit". I've been told this isn't necessarily a bad thing, but it has prevented me from being able to finance my girlfriend's dream ring. I have considered applying for joint credit options with my soon-to-be fiancee, but I would rather keep this a total surprise for her.


Monthly net income: $6500.00
Monthly expenses: $2000.00
Housing: $500.00
Insurance: $100.00
Car expenses: $400.00
Phone, cable, internet: $200.00
Food, entertainment: $350.00
Clothing, household expenses: $100.00
Credit cards and other loans: $250.00
Other expenses: $100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501027
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: $25,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 5.55% Borrower rate/APR: 6.55% / 6.89% Monthly payment: $766.79
 
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: May-1971 Debt/Income ratio: 13%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:42y 8m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $40,243Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: chime247 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
new business owner
Purpose of loan: business i started 7 months ago
This loan will be used to...expand a little,,cash flow..increase inventory

My financial situation:fine..want to make improvements in amt of inventory
I am a good candidate for this loan because...pay my debits..careful with expenses....was interested in a $50,000 loan,,but with make do with $25,000 loan.......thanks.....
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501033
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 5.55% Borrower rate/APR: 6.55% / 6.89% Monthly payment: $306.72
 
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: Jul-2001 Debt/Income ratio: 16%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 7 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,563Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 27%  
   Homeownership: Yes  
Screen name: newest-benefit-transformer 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
Pay off Truck and Credit Cards
Purpose of loan:
Pay off my higher interest truck loan and high interest credit cards.

My financial situation:
The payment for this loan will be less than my current truck payment which I have been making for a number of years. It will also allow me to pay off my 2 high interest credit card balances. I was self employeed and got caught in the downturn but now have a stable career at a large company and will have no problem paying off this loan at or before maturity.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501039
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: 60 months  
 
Lender yield: 10.90% Borrower rate/APR: 11.90% / 13.25% Monthly payment: $332.91
 
Lender servicing fee: 1.00% Effective Yield*: 10.87%  
Estimated return*: 7.37%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jun-1993 Debt/Income ratio: 13%
Credit score: 800-819 (Apr-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 23 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,260Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: Yes  
Screen name: vigilancearella8 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
Moving Loan
Purpose of loan:
Our kids are set to start school this year and we plan on moving to a better school district. I am rolling my remaining home equity loan into a personal loan so that we can sell the house at the prevailing market rates. We have no problems with the affordability of our current loans...just need to switch it to a personal loan.

My financial situation:
We have excellent credit (Equifax 814 score as of March). I'm in a field (IT/software development) that is in high demand and in a very stable position with my company. My previous job was as a software development manager with another company for five years. As I said our current payments are no problem...we just need to switch our current loan to an unsecured loan so that we may move neighborhoods.

Any questions feel free to ask.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501045
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $7,700 Estimated loss*: 1.55%  
Term: 60 months  
 
Lender yield: 8.60% Borrower rate/APR: 9.60% / 9.82% Monthly payment: $231.56
 
Lender servicing fee: 1.00% Effective Yield*: 8.59%  
Estimated return*: 7.04%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jul-1995 Debt/Income ratio: 16%
Credit score: 740-759 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 12Length of status:6y 5m
Amount delinquent: $0 Total credit lines: 32 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $62,375Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: reward-awakening 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
Debt Consolidation
Purpose of loan:
Planning to live a debt free life, This would consolidate 2 other high interest payments and allow me to make a larger impact on principal.
I am not working on paying of my HELOC as the interest rate is low at this time.

My financial situation:
The Prosper payment is less than the current payments I'm making. I intend to pay this off in less than 5 years. I listed at 5 year term in order to make it more attractive to lenders as the interest rate is higher.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501127
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 1.30%  
Term: 36 months  
 
Lender yield: 4.99% Borrower rate/APR: 5.99% / 6.33% Monthly payment: $228.13
 
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-1999 Debt/Income ratio: 17%
Credit score: 760-779 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:13y 2m
Amount delinquent: $0 Total credit lines: 34 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,919Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: Yes  
Screen name: needmoto Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 32 ( 100% ) 760-779 (Latest)
Principal borrowed: $12,800.00< 31 days late: 0 ( 0% )  
680-699 (Apr-2010)
660-679 (Aug-2009)
640-659 (Mar-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
Boat Loan
Purpose of loan:
To purchased a used power boat.

My financial situation:
I have a great credit history, have always paid my bills on time, 2 previous prosper loans paid on time and in full, I have a high income and can easily afford the payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501287
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: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $80.57
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: May-1984 Debt/Income ratio: 29%
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 19 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,659Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: cozy-vigilance0 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.
Description
Home Improvement
Purpose of loan: Home Improvement
This loan will be used to...Install siding on my home

My financial situation: Good
I am a good candidate for this loan because...My credit score is between 710-730. I also have 2 homes in which I own. I live in 1 home and rent the other home. I also work part time and I am drawing social security retirement.


Monthly net income: $1540
Housing: $0
Insurance: including house / car:$ 98
Car expenses: $80
Utilities: $187
Phone, cable, internet: $70
Food, entertainment: $20
Clothing, household expenses: food $100
Credit cards and other loans: $297
Other expenses: $0
Total Expenses: $852
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501317
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $108.87
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 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: Sep-1987 Debt/Income ratio: 6%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:20y 3m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $1,220Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: versatile-p2ploan6 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Widow Consolidating Bill
Purpose of loan:
This loan will be used to...pay off bills, credit card debt and reduce my monthly expenditures

My financial situation: Need to reduce monthly expenses

Retired, PHD,Mycology Professor

I am a good candidate for this loan because...
I am mature,trustworthy and dependable
Monthly net income: $3000
Monthly expenses:
Housing: $400.23
Insurance: $59.36
Car expenses: none
Utilities: $140
Phone, cable, internet: $76
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $100
Other expenses: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501343
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: C Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 7.70%  
Term: 36 months  
 
Lender yield: 15.99% Borrower rate/APR: 16.99% / 20.32% Monthly payment: $89.12
 
Lender servicing fee: 1.00% Effective Yield*: 15.63%  
Estimated return*: 7.93%  
* 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: 14%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 34 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,469Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 51%  
   Homeownership: No  
Screen name: thoughtful-dough 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
740-759 (Mar-2010)
 
Principal balance: $368.38 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Moving Expenses
Purpose of loan:
This loan will help me with moving expenses for a new job. I will be working for an already funded program that will be reimbursing my moving expenses.

My financial situation:
I am a good candidate for this loan because I have a steady income, I pay my bills on time and I am responsible. I am taking a job that will increase my funds and allow me to be even more responsible with my bills. I live meagerly but am creating a situation where I am able to make strong financial decisions. I took out a prosper loan last year to make housing repairs and although I had 3 years to pay it back, I will be making my last payment this month.

Monthly net income: $ 2800.00
Monthly expenses: $ 1500.00
Housing: $ 525
Insurance: $ 20.00
Car expenses: $ 0
Utilities: $ 100
Phone, cable, internet: $ 100
Food, entertainment: $ 100
Clothing, household expenses: $ Not much...
Credit cards and other loans: $ 200.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501345
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: A Listing Duration: 14 days
Minimum Amount to Fund: $11,900 Estimated loss*: 3.50%  
Term: 60 months  
 
Lender yield: 10.90% Borrower rate/APR: 11.90% / 13.25% Monthly payment: $377.30
 
Lender servicing fee: 1.00% Effective Yield*: 10.87%  
Estimated return*: 7.37%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Mar-1994 Debt/Income ratio: 16%
Credit score: 820-839 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:17y 8m
Amount delinquent: $0 Total credit lines: 25 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $207Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: blue-steady-yield Borrower's state: NewMexico 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
Working Capital and Inventory
Purpose of loan:
This loan will be used to help build working capital and inventory for a restaurant in Albuquerque, NM. We are opening May 21, 2011 and want to have additional working capital for the opening date. The construction build out is paid for, furniture and fixtures are paid.

My financial situation:
I am a good candidate for this loan because I have been a long time employee of the Ranchers Club as a Senior Captain and Wine Steward for over 17 years. I currently have over $60,000 in the bank, just want to secure more funds. I only have one debt which is my house, I have no other debt including credit cards or other loans. I will be able to pay this loan with no problem.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501347
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: B Listing Duration: 14 days
Minimum Amount to Fund: $6,500 Estimated loss*: 4.95%  
Term: 36 months  
 
Lender yield: 9.99% Borrower rate/APR: 10.99% / 13.11% Monthly payment: $212.77
 
Lender servicing fee: 1.00% Effective Yield*: 9.83%  
Estimated return*: 4.88%  
* 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-1996 Debt/Income ratio: 5%
Credit score: 780-799 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:6y 5m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,481Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: Superman1976 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 780-799 (Latest)
Principal borrowed: $14,600.00< 31 days late: 0 ( 0% )  
800-819 (Sep-2010)
 
Principal balance: $12,485.58 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Medical Expenses for our Son
This loan would be used for expenses due to a medial week long stay at Cincinnati Children?s Hospital for our two year old Son in a few months.

He was born with a cleft lip and is doing very well, but has other issue that still need to be diagnosed. We?ve been told the next and possibly final steps are in Cincinnati.

We?ve done everything we can to minimize the cost of this; we even have friends & family donating their unused airline miles to us so we can fly out there. This medial trip could really put us behind, and we?ve made so much progress in the last year, that it would be a big hit to get set back again.

Thank you very much for the consideration of funding for this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501353
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: 15.99% Borrower rate/APR: 16.99% / 18.41% Monthly payment: $372.71
 
Lender servicing fee: 1.00% Effective Yield*: 15.71%  
Estimated return*: 9.76%  
* 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-1984 Debt/Income ratio: 11%
Credit score: 720-739 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 4 Current / open credit lines: 5 / 5Length of status:3y 9m
Amount delinquent: $26,070 Total credit lines: 17 Occupation: Pharmacist
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $637Stated income:$100,000+
Delinquencies in last 7y: 38 Bankcard utilization: 14%  
   Homeownership: No  
Screen name: a-commitment-wildebeest 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
Second Chance
Purpose of loan:
This loan will be used to...purchase a professional quality violin

My financial situation:
I am a good candidate for this loan because...I am repairing my credit, it is a slow process. I work very hard to manage my finances,now, and pay everything off at each month. I was out of work for 3 years, I tried to maintain payments for one year, but finally had to default, at which time I made some poor decisions. I am asking for a chance to prove that I can manage my finances.


Monthly net income: $5998
Monthly expenses: $3000
Housing: $950
Insurance: $244
Car expenses: $150
Utilities: $250
Phone, cable, internet: $300
Food, entertainment: $ violin lessons = $300, piano lessons = $150
Clothing, household expenses: $200
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501359
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: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 18.30%  
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*: 29.17%  
Estimated return*: 10.87%  
* 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: Feb-1988 Debt/Income ratio: 22%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,091Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: loyalty-kitten5 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
Loan4me
Purpose of loan: business inventory, consolidate small loans
This loan will be used to...pay smaller loans, get inventory for existing customers

My financial situation: Bank of America
I am a good candidate for this loan because...Excellant work attendence past 5 years. No unexcused absentes. Existing customers in part time business waiting for product to be shipped


Monthly net income: $1800
Monthly expenses: $
Housing: $400
Insurance: $110
Car expenses: $42 sold car recently, drive work van
Utilities: $70
Phone, cable, internet: $15, work for cable co.
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $400
Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494732
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: C Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 7.70%  
Term: 36 months  
 
Lender yield: 15.99% Borrower rate/APR: 16.99% / 20.32% Monthly payment: $267.36
 
Lender servicing fee: 1.00% Effective Yield*: 15.63%  
Estimated return*: 7.93%  
* 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-1988 Debt/Income ratio: 16%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 25 / 23Length of status:7y 2m
Amount delinquent: $0 Total credit lines: 50 Occupation: Attorney
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,624Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: wcbu Borrower's state: Arizona 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: 32 ( 100% ) 680-699 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
600-619 (Apr-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
Home Improvement Loan
Purpose of loan:
This loan will be used to re-stucco my house and fencing, paint the house, and finish landscaping before the summer starts here in Arizona.

My financial situation:
I am a good candidate for this loan because I have a long work history at the same firm, a good salary, have established an excellent credit history since a divorce and filing for bankruptcy in 2004, and have obtained and paid off a prior loan here on Prosper (demonstrating my credit worthiness).


Monthly net income: $10,293
Monthly expenses: $ 7085 (total)
Housing: $2577
Insurance: $313
Car expenses: $576
Utilities: $250
Phone, cable, internet: $179
Food, entertainment: $750
Clothing, household expenses: $400
Credit cards and other loans: $1800
Other expenses: $600
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 500748
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: A Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 7.90% Borrower rate/APR: 8.90% / 10.99% Monthly payment: $79.38
 
Lender servicing fee: 1.00% Effective Yield*: 7.88%  
Estimated return*: 4.38%  
* 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: Aug-2002 Debt/Income ratio: 22%
Credit score: 780-799 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 23 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,464Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: Yes  
Screen name: yoga557 Borrower's state: Wisconsin 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
Geothermal System Install
Purpose of loan:
This loan will be used to finance the installation of a geothermal system in my home. The payments on this loan are lower than my current propane costs.

My financial situation:
I am a good candidate for this loan because I have a steady job and great credit. I also have a husband who is fully employed, whose income is not represented in this loan application. He makes 40,000 a year.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501000
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: $15,000 Estimated loss*: 8.70%  
Term: 60 months  
 
Lender yield: 21.49% Borrower rate/APR: 22.49% / 24.76% Monthly payment: $418.47
 
Lender servicing fee: 1.00% Effective Yield*: 20.98%  
Estimated return*: 12.28%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1997 Debt/Income ratio: 31%
Credit score: 780-799 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 31 / 30Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 63 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,604Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: asset-injector 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
pay off debt
Purpose of loan:
This loan will be used to pay off all credit card debt

My financial situation:
I am a good candidate for this loan because I have a stable career and have been in the same line of work for over 10 years. I have always paid all of my debts on time and in full and have never had any delinquent accounts.

Monthly net income: $5800
Monthly expenses:
Housing: $1909 includes taxes and insurance
Insurance: $115
Car expenses: $350
Utilities: $150
Phone, cable, internet: $300
Food, entertainment: $500
Clothing, household expenses: $200
Credit cards and other loans: $ hope to pay everything off
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501024
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $261.29
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-2005 Debt/Income ratio: 13%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:8y 3m
Amount delinquent: $0 Total credit lines: 12 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $72Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: benefit-trombone0 Borrower's state: Louisiana 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
Boat Loan
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501030
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 32.58% Monthly payment: $251.40
 
Lender servicing fee: 1.00% Effective Yield*: 26.71%  
Estimated return*: 12.01%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-1993 Debt/Income ratio: Not calculated
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 9Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 34 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,410Stated income:$50,000-$74,999
Delinquencies in last 7y: 29 Bankcard utilization: 84%  
   Homeownership: No  
Screen name: RenovatioCapital 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: 10 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Mar-2010)
680-699 (Jan-2010)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Loan for Debt Consolidation
Purpose of loan:
This loan will be used to... Consolidate my debts into lower payments

My financial situation:
I am a good candidate for this loan because... I have a solid job with ATT for last 3 and a half years and am actively bringing up my credit score and making every payment.


Monthly net income: $4500
Monthly expenses: $2600
Housing: $500
Insurance: $200
Car expenses: $550
Utilities: $100
Phone, cable, internet: $200
Food, entertainment: $250
Clothing, household expenses: $150
Credit cards and other loans: $300
Other expenses: $350
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501106
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*: 9.80%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.42% Monthly payment: $248.20
 
Lender servicing fee: 1.00% Effective Yield*: 20.48%  
Estimated return*: 10.68%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Nov-2003 Debt/Income ratio: 22%
Credit score: 640-659 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 10 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,851Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: RedHawk Borrower's state: Kansas Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 50 ( 96% ) 640-659 (Latest)
Principal borrowed: $12,000.00< 31 days late: 2 ( 4% )  
620-639 (Nov-2009)
660-679 (Jan-2008)
680-699 (Aug-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 52  
Description
Wedding and Honeymoon expenses
This loan will be used to pay for my wedding and honeymoon, my common-law wife of 13 years and I are finally going to formalize things.I had a listing for this loan previously that I allowed to expire because our plans changed, changing the amount I wanted to borrow.

My financial situation: I have a very stable job with a good salary
I am a good candidate for this loan because I have paid off 2 other Prosper loans with NO late payments and currently have only 1 other credit payments I am making on time that will be paid in full in June 2011. My credit is better than what Experian is showing according to "Free Credit Report.com"



Monthly net income: $ 2850
Monthly expenses: $
Housing: $600
Insurance: $130
Car expenses: $200
Utilities: $(spouse pays these)
Phone, cable, internet: $120
Food, entertainment: $190
Clothing, household expenses: nothing consistant
Credit cards and other loans: $575
Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501302
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: HR Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 18.30%  
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*: 29.17%  
Estimated return*: 10.87%  
* 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: Feb-1985 Debt/Income ratio: 25%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 23 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,308Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: surge283 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Chef
Purpose of loan: Wedding and Auto Repair
This loan will be used to...

My financial situation:Employed full time, plus 2nd job not w2
I am a good candidate for this loan because...


Monthly net income: $5000.00
Monthly expenses: $75.00
Housing: $2192.00
Insurance: $60.00
Car expenses: $400.00
Utilities: $250.00
Phone, cable, internet: $paid by company
Food, entertainment: $300
Clothing, household expenses: $50
Credit cards and other loans: $200
Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501342
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: $13,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $13,000 Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 5.55% Borrower rate/APR: 6.55% / 6.89% Monthly payment: $398.73
 
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: Aug-1990 Debt/Income ratio: 6%
Credit score: 780-799 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:13y 3m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $115,809Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: enriching-velocity5 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
Loan for short term need
Purpose of loan:
This loan will be used to pay for misc fee/expenses for my investment property

My financial situation:
I am a good candidate for this loan because I have a steady income and have been with my company for 12+ years. I owned my residentail house and have a mortgage payment of $1200 with escrows included, never have a late payment. I don't have any car payment. I do have HELOC payment which used to fund the downpayment that I bought this investment property in upstate NY. Of course now due to the banking mess, they cut the line of credit on everyone including me, even thought I still have some equities on my house. Recently there is a water main break in my investment property and also the sudden 70% increase of property tax, this screwed up the budget a little bit. This loan will help solve this short term needs and help to prepare for the long term budgeting.

Thanks for viewing.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501362
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: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 10.80%  
Term: 60 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 31.42% Monthly payment: $476.04
 
Lender servicing fee: 1.00% Effective Yield*: 27.29%  
Estimated return*: 16.49%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-2000 Debt/Income ratio: 14%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:7y 0m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,672Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: interest-director9 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
Debt Consolidation
Purpose of loan: Debt Consolidation
This loan will be used to...Pay off all credit card debt and have one payment.

My financial situation: I have been a government contractor for 6 years with Mitre Corporation and last year went to work for the Federal Government, MDA division. I make a very good income and have never been late on any bills. Just looking to consolidate to one payment.
I was surprised at the low credit rating, my FICO score is much higher. Normally close to 800. I own my home and again have never been late on paying any bills. I was told about the great rates Prosper offers so I thought I would give it a try. Feel free to ask me any questions.


Monthly net income: $7600.00
Monthly expenses: $
Housing: $2000.00
Insurance: $ included in mortgage
Car expenses: $ 690
Utilities: $ 345
Phone, cable, internet: $200
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $1000.00
Other expenses: $
Information in the Description is not verified.