Listing Report:Supplement No. 4 dated Apr 17, 2011 to Prospectus dated Apr 14, 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 Apr 14, 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 Apr 14, 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 489295
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: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $201.43
 
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: Sep-2004 Debt/Income ratio: 20%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:1y 9m
Amount delinquent: $0 Total credit lines: 8 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,027Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: No  
Screen name: gentle-finance9 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
My loan for an auto purchase
Purpose of loan:
This loan will be used to...purchase a motorcycle

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


Monthly net income: $6000.00
Monthly expenses: $3000.00
Housing: $825.00
Insurance: $180.00
Car expenses: $324.08
Utilities: $150
Phone, cable, internet: $85.00
Food, entertainment: $1800
Clothing, household expenses: $300
Credit cards and other loans: $1120
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489379
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: $20,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.50%  
Term: 60 months  
 
Lender yield: 12.40% Borrower rate/APR: 13.40% / 14.77% Monthly payment: $459.17
 
Lender servicing fee: 1.00% Effective Yield*: 12.37%  
Estimated return*: 8.87%  
* 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): 9 First credit line: Mar-2000 Debt/Income ratio: Not calculated
Credit score: 780-799 (Apr-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 16Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,270 
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: No  
Screen name: benjamins-berserker Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Kitchen renovations
Purpose of loan:
This loan will be used to renovate my kitchen. The major purchases will be new flooring and countertops. Our existing flooring will be removed and replaced with high quality hardwood flooring. The countertops will be removed and replaced with granite coutertops and an oversized island will be added to the existing layout.

My financial situation:
I am a good candidate for this loan because I have an excellent credit history, never having paid late on anything in my life. Our household income is in excess of $80,000 per year. I am looking forward to a very positive experience with Prosper and enjoy the idea that individuals will benefit from my interest, rather than large financial institutions.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 497227
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: HR Listing Duration: 14 days
Estimated loss*: 18.30%  
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*: 29.17%  
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): 4 First credit line: Jan-1992 Debt/Income ratio: 21%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 5Length of status:10y 3m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $577Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 79%  
   Homeownership: No  
Screen name: transparency-pal5 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...is to consolidate by credit cardsMy financial situation: I am in good standing financially, just trying to pay off credit card debt. car loan will be paid off by June, 2011I am a good candidate for this loan because...I will definitely apply this funding to paying off by credit cards which will up my current credit score, only debt I will have eventually is my student loan with a payment of $250. This loan will help to the road of financial freedom. Monthly net income: $3800Monthly expenses: $1500Housing: $0Insurance: $215Car expenses: $Utilities: $0Phone, cable, internet: $100Food, entertainment: $30Clothing, household expenses: $250Credit cards and other loans: $943Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 497447
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-1993 Debt/Income ratio: 54%
Credit score: 700-719 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 34 Occupation: Bus Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,556Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: brightest-prudent-silver 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
My personal loan
Purpose of loan:
This loan will be used to...
school deposit
My financial situation:
I am a good candidate for this loan because...i will receive my school loan in august and be able to pay it in full


Monthly net income: $1500
Monthly expenses: $157
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $158
Other expenses: $
0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498117
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: $3,500.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 12 months  
 
Lender yield: 22.99% Borrower rate/APR: 23.99% / 33.08% Monthly payment: $330.94
 
Lender servicing fee: 1.00% Effective Yield*: 22.43%  
Estimated return*: 11.63%  
* 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-1997 Debt/Income ratio: 11%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,195Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: borrowing_editor 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
A little extra for the wedding
Purpose of loan:
My fianc?e and I will be getting married in a small ceremony and reception in July. We have saved or been gifted nearly enough to pay for it all. In the end, we will fall a month and a half short of our savings goal. Had I not been laid off for over a year, we?d be fine. We have been dating for over eight years and live responsibly, with no plans to spend the money just to get divorced in six months. We appreciate anyone who is willing to lend us a little to fulfill our goal of a small and tasteful wedding. We are both in stable jobs that pay us a fair wage. We pay our bills on time and are very responsible with our money.

Monthly net income (combined): $5,200.00
Monthly expenses: $3,200.00
Housing: $1,700.00
Insurance: $0
Car expenses: $0
Utilities: $60.00
Phone, cable, internet: $320.00
Food, entertainment: $520.00
Clothing, household expenses: $280.00
Credit cards and other loans (including student loans): $320.00
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 500745
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
Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 19.42% Monthly payment: $380.82
 
Lender servicing fee: 1.00% Effective Yield*: 16.71%  
Estimated return*: 10.76%  
* 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: Dec-2004 Debt/Income ratio: 18%
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 13 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $705Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 19%  
   Homeownership: No  
Screen name: reinforced-yield1 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 for my business
Purpose of loan:
This loan will be used to...

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


Monthly net income: $1500
Monthly expenses: $
Housing: $
Insurance: $60
Car expenses: $
Utilities: $
Phone, cable, internet: $136
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $600
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502231
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
Estimated loss*: 18.30%  
Term: 36 months  
 
Lender yield: 30.25% Borrower rate/APR: 31.25% / 34.89% Monthly payment: $172.56
 
Lender servicing fee: 1.00% Effective Yield*: 28.48%  
Estimated return*: 10.18%  
* 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: Aug-1989 Debt/Income ratio: 17%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 14 / 14Length of status:7y 1m
Amount delinquent: $1,162 Total credit lines: 28 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $17,179Stated income:$100,000+
Delinquencies in last 7y: 11 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: wise-peaceful-transparency 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
700-719 (Jul-2010)
 
Principal balance: $1,213.92 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
debt consolidation
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502527
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 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: Nov-2003 Debt/Income ratio: 22%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,854Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: No  
Screen name: listing-trailblazer2 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
bills
Purpose of loan:
This loan will be used to...

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

Im trying to pay down credit card bills and my education expenses
Monthly net income: $3100
Monthly expenses: $1500
Housing: $300
Insurance: $142
Car expenses: $324
Utilities: $30
Phone, cable, internet: $60
Food, entertainment: $100
Clothing, household expenses: $300
Credit cards and other loans: $2000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502557
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: A Listing Duration: 14 days
Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 9.40% Borrower rate/APR: 10.40% / 12.51% Monthly payment: $811.38
 
Lender servicing fee: 1.00% Effective Yield*: 9.38%  
Estimated return*: 5.88%  
* 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): 9 First credit line: Jul-2001 Debt/Income ratio: 16%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 23 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,468Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: spiritual-repayment4 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
Loan to pay off high interest CC
Purpose of loan:

This loan will be used to consolidate my credit card debt. I am currently paying insanely high rates on a couple of my cards (one is at 29.99%). They recently raised my rate for no apparent reason, and when I called to ask them to lower it, they said they couldn't.

My financial situation:

I am a good candidate for this loan because I have the income to pay off the loan. I am planning to propose to my girlfriend in the coming year, and I want to pay off my debts so I can start saving for the wedding. I realize I've been managing money poorly since graduating from college a couple years ago, but now I'm ready to take responsibility and turn that around.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502585
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 14.70%  
Term: 12 months  
 
Lender yield: 25.69% Borrower rate/APR: 26.69% / 35.84% Monthly payment: $719.00
 
Lender servicing fee: 1.00% Effective Yield*: 24.52%  
Estimated return*: 9.82%  
* 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: Feb-2007 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Mar-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 3 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $320Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: shrewd-peace1 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
Requesting Loan for Compliance Req.
We are a small scale private equity company which seeks a small investment increments from investors in order to meet our compliance requirements.

This loan will be used to meet compliance requirements for "Private Equity" as we have experienced growth from previous ventures. Please join us in our journey.

We have 80% of the capital needed and seek a loan from Prosper Members to complete the other 20%.

We are a good candidate for this loan because we would prefer to work directly with investors to provide an opportunity for a decent ROI and at the same time taking our business to the next level. We have a great team in place that are highly motivated and filled with experience.

Monthly net income: $3,500
Monthly expenses: $900
Housing: $500
Insurance: $250
Car expenses: $0
Utilities: $0
Phone, cable, internet: $55
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502595
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $241.71
 
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: Jun-1993 Debt/Income ratio: 16%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:16y 7m
Amount delinquent: $0 Total credit lines: 32 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,233Stated income:$75,000-$99,999
Delinquencies in last 7y: 13 Bankcard utilization: 79%  
   Homeownership: No  
Screen name: enriched-peace954 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
repay parents kindness early
Purpose of loan:
This loan will be used to repay a loan to my parents early as they are being faced with a large and unexpected tax bill.

My financial situation:
I am a good candidate for this loan because... I am a hardworker with a steady work history. I have been employed with the same company for almost 17 years. We have had some difficulty in the past several years as I have had 3 back surgeries and was on disability for several months. I am healthy now and trying to re-establish our credit to the once excellent score it used to be.


Monthly net income: $5000
Monthly expenses: $
Housing: $1400
Insurance: $155
Car expenses: $740
Utilities: $275
Phone, cable, internet: $200
Food, entertainment: $500
Clothing, household expenses: $200
Credit cards and other loans: $150
Other expenses: $100 - student loan
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502597
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: $8,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.42% Monthly payment: $305.48
 
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): 6 First credit line: Apr-1998 Debt/Income ratio: 22%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:15y 1m
Amount delinquent: $0 Total credit lines: 17 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,343Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: creature430 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 30 ( 100% ) 660-679 (Latest)
Principal borrowed: $7,800.00< 31 days late: 0 ( 0% )  
760-779 (Sep-2008)
 
Principal balance: $1,478.47 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Wansun
Purpose of loan: Dept consolidation
This loan will be used to...

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


Monthly net income: $5000.00
Monthly expenses: $
Housing: $1529.00
Insurance: $100.00
Car expenses: $400.00
Utilities: $200.00
Phone, cable, internet: $200.00
Food, entertainment: $200.00
Clothing, household expenses: $
Credit cards and other loans: $748.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502615
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $161.14
 
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): 5 First credit line: Dec-1987 Debt/Income ratio: 30%
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 43 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $139Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 4%  
   Homeownership: No  
Screen name: principal-bopper7 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
COMMUTER CAR
Purpose of loan: PURCHASE COMMUTER CAR
This loan will be used to...Purchas commuter car, selling truck.

My financial situation: Trying to cut expenses and live within our means
I am a good candidate for this loan because... Never been late on house or car payments.; we did file bankruptcy in 2010. Made several payments on time since we filed over a yr ago. I am selling my truck (pymnt of 296) ; I will have a lower monthly pymnt, less debt and save
on gas each month. this will free up some needed cash for emergencies.


Monthly net income: $ 3072
Monthly expenses: $
Housing: $ 998
Insurance: $ 77
Car expenses: $
Utilities: $ 150
Phone, cable, internet: $ 220
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $ 416
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502627
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: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $201.43
 
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: Jun-1994 Debt/Income ratio: 13%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 3 / 3Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 26 Occupation: Analyst
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $655Stated income:$50,000-$74,999
Delinquencies in last 7y: 17 Bankcard utilization: 52%  
   Homeownership: No  
Screen name: serene-power2 Borrower's state: Maryland 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.
Description
Money to complete my website
Purpose of loan:
This loan will be used to... pay for extra expenses related to the website which I need to pay in order for the developer to finish the website

My financial situation:
I am a good candidate for this loan because I have very little expenses and all of my bills are paid on time.


Monthly net income: $3,300
Monthly expenses: $40
Housing: $paid off
Insurance: $
Car expenses: $430.
Utilities: $90
Phone, cable, internet: $160
Food, entertainment: $300
Clothing, household expenses: $
Credit cards and other loans: $50.
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502657
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: $8,500.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.99% Borrower rate/APR: 14.99% / 17.16% Monthly payment: $294.61
 
Lender servicing fee: 1.00% Effective Yield*: 13.77%  
Estimated return*: 7.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jan-1989 Debt/Income ratio: 9%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 46 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,669Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: wonderful-loot636 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
My CC Consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $9986
Monthly expenses: $3990
Housing: $2150
Insurance: $250
Car expenses: $510
Utilities: $300
Phone, cable, internet: $325
Food, entertainment: $800
Clothing, household expenses: $200
Credit cards and other loans: $700
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502667
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: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $201.43
 
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: Aug-1999 Debt/Income ratio: 23%
Credit score: 760-779 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:9y 7m
Amount delinquent: $0 Total credit lines: 19 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,662Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: Yes  
Screen name: triumphant-peace424 Borrower's state: Vermont 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
Personal Loan
Purpose of loan: Home improvements
This loan will be used to...improve my home

My financial situation: is great
I am a good candidate for this loan because... I have good credit, and a stable job and good pay


Monthly net income: $3000
Monthly expenses: $
Housing: $1155
Insurance: $135
Car expenses: $327
Utilities: $
Phone, cable, internet: $120
Food, entertainment: $50
Clothing, household expenses: $
Credit cards and other loans: $150
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502691
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: $17,500.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.50%  
Term: 60 months  
 
Lender yield: 12.40% Borrower rate/APR: 13.40% / 14.77% Monthly payment: $401.77
 
Lender servicing fee: 1.00% Effective Yield*: 12.37%  
Estimated return*: 8.87%  
* 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): 9 First credit line: Jul-1993 Debt/Income ratio: 16%
Credit score: 860-879 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 21 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $735Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: thoughtful-camaraderi427 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
Lifespan Health Service Inc.
Purpose of loan:
This loan will be used to fund a 3 month period of operation of an up and running Home Health Agency awaiting Medicare and Medicaid Certification.

My financial situation:
I am a good candidate for this loan because I am employed with a federal program administered at the state level, and a Registered Nurse with a Bachelor of Science in Nursing. I have built Lifespan Health Service Inc. of West Lafayette, IN single handedly which currently provides services to 10 clients, which is the required amount to request federal certification. As we are all aware, with the current retirement rate Home Health Agencies are a very lucrative and in demand service providing Skilled Nursing, Physical Therapy, and Home Health Aides.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502697
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: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.99% Borrower rate/APR: 14.99% / 17.16% Monthly payment: $242.62
 
Lender servicing fee: 1.00% Effective Yield*: 13.77%  
Estimated return*: 7.82%  
* 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-1996 Debt/Income ratio: 9%
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,056Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: loot-bonaza Borrower's state: NewJersey 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
A little help from my friends...
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493554
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
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $261.85
 
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): 5 First credit line: Sep-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 10 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,119Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: joyous-generosity0 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Equipment for Business
Purpose of loan:
This loan will be used for the kitchen remodel of my store. With this loan I will purchase a good condition used roller oven and good condition used dough press and a new proofing cabinet.
Total for equipment purchases are $8312.00
Business has successfully saved $3000.00 towards these equipment purchases.

My financial situation: Good
I am a good candidate for this loan because... I have been self employed in business for over 5 years and making pizza for over 3 years. I have been on time with all my payments.
Personal Information listed below
Monthly net income: $ 2240.00 currently this year
With this new loan debt to income percent is 36%
NO Morgage I own my home
Insurance: $105.25
Utilities: $175.00
Phone, cable, internet: $65.00
Food, entertainment: $100.00
Clothing, household expenses: $50.00
Credit cards and other loans: $62.00
Other expenses: $ My business takes care of all other exenses.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501036
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $14,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 9.80%  
Term: 60 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 27.32% Monthly payment: $410.84
 
Lender servicing fee: 1.00% Effective Yield*: 23.40%  
Estimated return*: 13.60%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jul-1995 Debt/Income ratio: 16%
Credit score: 700-719 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,433Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: PAFamilyMan Borrower's state: Pennsylvania 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: 1 / 1 On-time: 10 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
700-719 (Jun-2010)
(Mar-2006)
 
Principal balance: $1,987.96 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Consolidating all CC debt
The reason I am requesting this loan is to consolidate all of my revolving debt and misc bills to a fixed length loan. This will all my revolving debt with exception to my monthly car loans and will convert the minimum balances towards the payment of this loan, including an existing prosper loan.

For full disclosure, I did declare bankruptcy about 6 years ago, due to medical bills and loss of employment (my eldest son is type 1 diabetic).

I earn over $125,000 a year + bonus, was promoted last year, and expecting an increase in October.

Monthly net income: $ 7,000
Monthly expenses: $ 4,900

Housing: $ 1,650 (Includes annual insurance and taxes)
Insurance: $ 210 (Car)
Car expenses: $825 ( 2 Car loans)
Utilities: $400 (Propane & Electric)
Phone, cable, internet: $ 200
Food, entertainment: $800
Clothing, household expenses: $400
Credit cards and other loans: $400 - This expense will go to repaying this loan
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501858
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
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $261.85
 
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: Oct-1989 Debt/Income ratio: 18%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 31 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,138Stated income:$25,000-$49,999
Delinquencies in last 7y: 36 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: brightest-hope-spruce 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
Year 2011
Purpose of loan:
This loan will be used to...

My financial situation: Citizens Bank
I am a good candidate for this loan because... I No defaults , finished paying off car loan, secure job, good record of pating off debts.


Monthly net income: $ 2300.00
Monthly expenses: $ 360.00
Housing: $ 250.00
Insurance: $ 0
Car expenses: $ gas weekly 60.00
Utilities: $ 62.00
Phone, cable, internet: $ 99.00
Food, entertainment: $ 130.00
Clothing, household expenses: $ 25.
Credit cards and other loans: $ 500.00
Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 501942
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
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: Dec-1987 Debt/Income ratio: 15%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 37 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 29 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: tender-openness6 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Help
Purpose of loan:
This loan will be used to...

My financial situation: car repair
I am a good candidate for this loan because...I'm trying to rebuild my credit


Monthly net income: $ 5500
Monthly expenses: $ 3300
Housing: $ 1350
Insurance: $ 300
Car expenses: $ 745
Utilities: $ 240
Phone, cable, internet: $ 210
Food, entertainment: $ 250
Clothing, household expenses: $
Credit cards and other loans: $ n/a
Other expenses: $ Gas 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502448
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
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): 7 First credit line: Apr-1997 Debt/Income ratio: 18%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:8y 11m
Amount delinquent: $0 Total credit lines: 50 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,220Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: unabashed-vigilance1 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
21 rosehill
Purpose of loan:
This loan will be used to make repairs to my home

My financial situation:
I am a good candidate for this loan because i have always maintained a good credit history by always paying back any debts on time and in full.


Monthly net income: $5800
Monthly expenses: $200
Housing: $1495
Insurance: $0
Car expenses: $0
Utilities: $62
Phone, cable, internet: $99
Food, entertainment: $500
Clothing, household expenses: $150
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502560
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: C Listing Duration: 14 days
Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.49% Borrower rate/APR: 19.49% / 22.87% Monthly payment: $73.81
 
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): 7 First credit line: Nov-1968 Debt/Income ratio: Not calculated
Credit score: 780-799 (Apr-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:9y 9m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $58,035Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: important-note7 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need $2000 loan
Purpose of loan: To Repair Vehicle
This loan will be used to...pay for repair on daughters vehicle. She recently was laid off from her job and needs the car to get to interviews.

My financial situation: Stable
I am a good candidate for this loan because...I own my home, two vehices free and clear. Pay my bills on time and don't spend much money on frivolous things. I live a stable lifestyle and have been in a stable marriage for over 43 years. My husband and I have our extra money saved in annuities.


Monthly net income: $2155
Monthly expenses: $1194
Housing: $0
Insurance: $62
Car expenses: $0
Utilities: $185
Phone, cable, internet: $97
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $550
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502566
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: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 60 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 31.42% Monthly payment: $317.36
 
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): 6 First credit line: Sep-2000 Debt/Income ratio: 43%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 9Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 25 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,797Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: No  
Screen name: transparency-upholder7 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
Debt Consolidation
Purpose of loan:
This loan will be used to... Consolidate Debt

My financial situation:
I am a good candidate for this loan because... I am generally a financially responsible person. After a divorce and losing a job, I have gotten my finances back on track. However, consolidating my debt would save me about $100 per month and would really help me out.


Monthly net income: $ 3640
Monthly expenses: $
Housing: $ 350
Insurance: $ 191
Car expenses: $ 300
Utilities: $ 25
Phone, cable, internet: $ 91
Food, entertainment: $ 150
Clothing, household expenses: $ 40
Credit cards and other loans: $ 960
Other expenses: $ 350
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502652
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
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): 4 First credit line: Aug-2001 Debt/Income ratio: 206%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:12y 8m
Amount delinquent: $0 Total credit lines: 22 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $698Stated income:$1-$24,999
Delinquencies in last 7y: 8 Bankcard utilization: 69%  
   Homeownership: No  
Screen name: a-blissful-p2p 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
skylar
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502658
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: A Listing Duration: 14 days
Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 9.40% Borrower rate/APR: 10.40% / 12.51% Monthly payment: $64.91
 
Lender servicing fee: 1.00% Effective Yield*: 9.38%  
Estimated return*: 5.88%  
* 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): 9 First credit line: Jun-1980 Debt/Income ratio: 22%
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 7 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,001Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: agile-moola97 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
Utility Work Loan
Purpose of loan:
This loan will be used for a plow and mower to help my neighbors with their snow and leaf removal.

My financial situation:
I am a good candidate for this loan because I value my financial commitments as my word. I have never missed a payment on a credit card or been late with a bill because I have made a commitment to pay a specified amount at a specified time, and I will bring the same attitude to this loan. I am also hoping to diversify my credit history to some day buy a home for my fiance and I. Thank you for your time.
Information in the Description is not verified.