Listing Report:Supplement No. 12 dated Apr 21, 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 498454
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: $3,800.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,660 Estimated loss*: 4.95%  
Term: 12 months  
 
Lender yield: 10.00% Borrower rate/APR: 11.00% / 16.81% Monthly payment: $335.85
 
Lender servicing fee: 1.00% Effective Yield*: 9.86%  
Estimated return*: 4.91%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:33y 9m
Amount delinquent: $0 Total credit lines: 18 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,292Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: javajan 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 / 2 On-time: 47 ( 98% ) 740-759 (Latest)
Principal borrowed: $5,500.00< 31 days late: 1 ( 2% )  
760-779 (Feb-2010)
780-799 (Feb-2008)
 
Principal balance: $1,658.16 31+ days late: 0 ( 0% )
Total payments billed: 48  
Description
Pay off Medical Bills/Credit Cards
Purpose of loan:

This loan will be used to pay off several credit cards in full,
because I have had to charge medical expenses recently, due to a job layoff last year.

My financial situation:
I am a good candidate for this loan because I have previously paid
off another Prosper loan in full. I also have a good credit rating. I have never defaulted on any payments ever.

I recently sold my home in Santa Rosa for what I paid for it, and I am now living with my parents, so my monthly expenses are almost nothing. Now I have steady income of $1300/month.

Thanks for your kind consideration, Jan
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498608
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: $15,000 Estimated loss*: 3.50%  
Term: 60 months  
 
Lender yield: 12.40% Borrower rate/APR: 13.40% / 14.77% Monthly payment: $344.38
 
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: Sep-1997 Debt/Income ratio: 14%
Credit score: 780-799 (Apr-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,641Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 38%  
   Homeownership: Yes  
Screen name: worth-cosmos8 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
Consolidation
Purpose of loan:
This loan will be used to consolidate credit card debt to enable me to close those accounts.

My financial situation:
I am a good candidate for this loan because I have a stable job and have been in my line of work for over 10 years. My job also requires a special clearance which protects from dangers of outsourcing.


Monthly net income: $6000
Monthly expenses: $700
Housing: $1800
Insurance: $185
Car expenses: $650
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $200
Clothing, household expenses: $0
Credit cards and other loans: $1500
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502748
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: E Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 14.70%  
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*: 29.57%  
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: Sep-2005 Debt/Income ratio: 21%
Credit score: 640-659 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,618Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: leverage-adventure Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
loan for medical expenses
Purpose of loan:
This loan will be used to have a medical procedure.

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


Monthly net income: $1760
Monthly expenses: $500
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503250
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $9,500 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $382.71
 
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): 7 First credit line: Sep-2004 Debt/Income ratio: 45%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 17 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,722Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: precious-interest6 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
Pay off Credit Cards
Purpose of loan:
This loan will be used to pay off my existing credit card debt, and consolidate into one monthly payment.

My financial situation:
I am a good candidate for this loan because I have a steady job and have never been late making a credit card or school loan payment.

I am simply looking to pay off higher interest credit card debt and this loan will allow me to make the same payments I make now over a shorter period of time, saving me money in the long run. Frankly, I also prefer the idea of paying a regular person my interest payments instead of a credit card company.

Monthly net income: $1,800.00
Monthly expenses: $ 1,100.00
Housing: $ 0.00 - I live with my parents.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503256
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.99% Borrower rate/APR: 14.99% / 17.16% Monthly payment: $519.91
 
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: Jan-2005 Debt/Income ratio: 12%
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 11 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,887Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: Yes  
Screen name: bold-peso-leaper 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
Renovations
Purpose of loan: Bathroom remodel/heating/cooling upgrades
This loan will be used to...

My financial situation: Healthy
I am a good candidate for this loan because...I'm adding real value to an asset; my credit is very good; I don't default; I am steadily employed; I pay on time.


Monthly net income: $ 8900 (joint household)
Monthly expenses: $~6000
Housing: $2200
Insurance: $250
Car expenses: $650
Utilities: $350
Phone, cable, internet: $120
Food, entertainment: $550
Clothing, household expenses: $250
Credit cards and other loans: $1000
Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503286
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
Minimum Amount to Fund: $5,600 Estimated loss*: 10.80%  
Term: 60 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 31.42% Monthly payment: $253.89
 
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: Mar-1993 Debt/Income ratio: 15%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,506Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: No  
Screen name: engaging-rate5 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
windy patrick
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2500
Monthly expenses: $900
Housing: $600
Insurance: $60
Car expenses: $0
Utilities: $75
Phone, cable, internet: $0
Food, entertainment: $100
Clothing, household expenses: $75
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503322
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: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $604.28
 
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-1999 Debt/Income ratio: 80%
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $324Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: sensible-dedication476 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
Entrepreneur
Purpose of loan: To purchase Commercial Cleaning contracts.
This loan will be used to...Ramp up Start Up Business
Expand Independent Commercial Cleaning Business into Commercial Cleaning Franchise ( Coverall Health Based Cleaning System) to adopt name/brand recognition as well as proven system and model. Increasing revenue to $11,000/month
My financial situation: Auto Detailer,Start up business on the side.
I am a good candidate for this loan because...
I have shown to be a responsible borrower by paying all my bills on time and keeping my credit card balances to a minimum while maintaining a decent credit score of 725.

Monthly net income: $2,500 (I split monthly expenses with Fiance)
Monthly expenses: $1,950
Housing: $500.00
Insurance: $150.00
Car expenses: $ $75.00/week
Utilities: $150.00
Phone, cable, internet: $150.00
Food, entertainment: $200.00
Clothing, household expenses: $200.00
Credit cards and other loans: $300.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503334
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
Minimum Amount to Fund: $5,950 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): 8 First credit line: Aug-1997 Debt/Income ratio: 35%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:7y 8m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,733Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: money-shrubbery4 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
Moving forward
Purpose of loan: Bill consolidation
This loan will be used to... Pay remaining bills, reduce monthly obligations & accelerate total debt reduction

My financial situation:
I am a good candidate for this loan because... I have a proven track record of monthly obligations for several years. In addition to my full-time night job as a poker dealer, there is a potential for new work assisting on a Avocado Ranch repairing damage from recent rains.


Monthly net income: $
Monthly expenses: $
Housing: $660
Insurance: $12
Car expenses: $20
Utilities: $35
Phone, cable, internet: $103
Food, entertainment: $85
Clothing, household expenses: $0
Credit cards and other loans: $654* Paid in full with loan down to $294
Other expenses: $785.87
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503372
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.42% Monthly payment: $229.11
 
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: Feb-2000 Debt/Income ratio: 26%
Credit score: 700-719 (Apr-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 50 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $643Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 19%  
   Homeownership: Yes  
Screen name: generosity-travels 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 11 ( 100% ) 700-719 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
640-659 (Apr-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Work Van for my contracting biz!
Purpose of loan:

I'm working to grow my microbusiness which is a painting and flooring company. I've been getting by with my "Fred Sanford" Work truck but now I think it's time to upgrade to something that better represents my company and improves my image. So i'm ready to say goodbye old work truck and hello work Van and Trailer :) I will used this money to purchase a used work van with ladder racks and a cargo trailer. I'm pretty sure I can find what i'm looking for and still have money left over from the loan but just to be safe i'm asking for a little more than I think i'll actually need.

I am a good candidate for this loan because I pay my bills on time and my record shows that.


Monthly net income: $2650 (This is just my day job money and rental income)
Monthly expenses: My monthly expenses typically run between $1,000 and $1300 per month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503414
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: $10,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,350 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $423.00
 
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): 6 First credit line: Jul-1977 Debt/Income ratio: 14%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:17y 8m
Amount delinquent: $0 Total credit lines: 27 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $158,172Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: sturdy-leverage9 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
Swirl and Brew
Purpose of loan:
This loan will be used to...
This loan will be used for working capital.
My financial situation:
I am a good candidate for this loan because...
I am a good candidate for this loan because I am very conservative, I pay my bills in full and on time.


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503428
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-2002 Debt/Income ratio: 6%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:9y 2m
Amount delinquent: $0 Total credit lines: 2 Occupation: Car Dealer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $53Stated income:$50,000-$74,999
Delinquencies in last 7y: 24 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: prettygirl35 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
property
Purpose of loan:
This loan will be used to...buy a property

My financial situation:
I am a good candidate for this loan because...
I make good money and i have no open loan and also i pay my bills on time.

Monthly net income: $5600
Monthly expenses: $200.00
Housing: $0
Insurance: $
Car expenses: $0
Utilities: $100
Phone, cable, internet: $0
Food, entertainment: $30
Clothing, household expenses: $100.00
Credit cards and other loans: $15.00
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503440
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: $21,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $14,700 Estimated loss*: 3.50%  
Term: 60 months  
 
Lender yield: 12.40% Borrower rate/APR: 13.40% / 14.77% Monthly payment: $482.13
 
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: Feb-1994 Debt/Income ratio: 30%
Credit score: 760-779 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:10y 5m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $33,185Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: Yes  
Screen name: best-platinum-apricot Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Down High Interest Debt
I am 36 and have been employed as a purchaser for 10 years with a communications manufacturer. I would like to eliminate my high-interest credit card debt and prefer a fixed-rate loan with a non-bank institution.

I currently earn $50,000 a year. After taxes, my monthly take home income is approximately $3000.

My monthly credit card debt payments are nearly $1100. My mortgage payment is approximately $850. I have no car payment or any other debts. I also have no dependents to support.

The outstanding principal for my home mortgage is $89,000.

The debt was accumulated by paying only the minimum over the course of several years, while at the same time not budgeting my monthly expenses (too much travel primarily).

With budgeting, I?m able to leave within my means now and I?d like to take this next step in financial responsibility
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503444
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 10.80%  
Term: 12 months  
 
Lender yield: 22.99% Borrower rate/APR: 23.99% / 33.08% Monthly payment: $236.39
 
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): 7 First credit line: Nov-1986 Debt/Income ratio: 10%
Credit score: 760-779 (Apr-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 1 Current / open credit lines: 7 / 8Length of status:3y 10m
Amount delinquent: $1,495 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $86,968Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 60%  
   Homeownership: Yes  
Screen name: top-dinero-voyager 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
home help
Purpose of loan:
This loan will be used to...improve my rental home for new renters and income

My financial situation:
I am a good candidate for this loan because...I am responsible and have good credit rating. I plan on paying the loan back quicker than allowed.


Monthly net income: $60K
Monthly expenses: $3500
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503464
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 1.30%  
Term: 36 months  
 
Lender yield: 4.99% Borrower rate/APR: 5.99% / 6.33% Monthly payment: $60.83
 
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: Nov-1999 Debt/Income ratio: 7%
Credit score: 820-839 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:11y 4m
Amount delinquent: $0 Total credit lines: 30 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,922Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: Yes  
Screen name: newest-obedient-credit Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 5 ( 100% ) 820-839 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
800-819 (Jan-2010)
 
Principal balance: $0.26 31+ days late: 0 ( 0% )
Total payments billed: 5  
Description
home repair
Purpose of loan: home improvement
This loan will be used to...fix the gutters on my home. Do to the tremendous amount of snow that all turned into ice this winter made my gutters pull of the house inclding the back gutter completey of the house to the ground.

My financial situation: have some money saved only want to use that for emergency purposes. own my house, and have retirement savings.
I am a good candidate for this loan because...in the past i have you prosper before for a larger sum needed now and payed back way before final payment was due. i have been employed by the same employer for 11 years. im in good standing with all my credit.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503470
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 9.40% Borrower rate/APR: 10.40% / 12.51% Monthly payment: $324.55
 
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: Oct-1997 Debt/Income ratio: 7%
Credit score: 760-779 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:8y 5m
Amount delinquent: $0 Total credit lines: 27 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,568Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: unbeatable-dough5 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
Abach
Purpose of loan: This loan will be used to consolidate some credit card debt. My interest rate was 7% for many years with my credit card company and then it was changed to 15% last year.

My financial situation:
I am a good candidate for this loan because I have a steady income over $100,000 and have worked for the same company (insurance) for 8 years in a salaried plus commission situation. My credit score is good.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503476
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $181.28
 
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: Jul-1987 Debt/Income ratio: 18%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 11Length of status:6y 8m
Amount delinquent: $2,184 Total credit lines: 37 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $38,592Stated income:$75,000-$99,999
Delinquencies in last 7y: 4 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: cordial-money8 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Investigator
Purpose of loan: Debt consolidation
This loan will be used to...pay down high interest credit card

My financial situation:
I am a good candidate for this loan because...I am serious about paying down my debts.


Monthly net income: $3700
Monthly expenses: $3200
Housing: $1900
Insurance: $136
Car expenses: $200
Utilities: $100
Phone, cable, internet: $200
Food, entertainment: $350
Clothing, household expenses: $200
Credit cards and other loans: $600
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503488
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.99% Borrower rate/APR: 14.99% / 17.16% Monthly payment: $519.91
 
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): 10 First credit line: Aug-1976 Debt/Income ratio: 2%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:8y 0m
Amount delinquent: $0 Total credit lines: 32 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $147,797Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: restless-fund1 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Capital Needs
Purpose of loan:
This loan will be used to... Operating capital for business.

My financial situation:
I am a good candidate for this loan because...
Executive with major Department store with high annual earnings and large bonuses in Feb of each year. Own a factory for manufacturing furniture and need capital to expand. Large orders in house and need funds for machinery and raw materials.

Monthly net income: $21,000
Monthly expenses: $7000
Housing: $0. Paid by company
Insurance: $paid by company
Car expenses: $paid by company
Utilities: $paid by company
Phone, cable, internet: $300
Food, entertainment: $2000
Clothing, household expenses: $600
Credit cards and other loans: $1200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499149
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,500 Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.42% Monthly payment: $171.83
 
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: Jun-1999 Debt/Income ratio: 19%
Credit score: 660-679 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 7Length of status:9y 6m
Amount delinquent: $0 Total credit lines: 26 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $944Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: Jumper26 Borrower's state: California Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 5 On-time: 65 ( 88% ) 660-679 (Latest)
Principal borrowed: $23,550.00< 31 days late: 9 ( 12% )  
640-659 (Feb-2010)
560-579 (Jan-2008)
560-579 (Dec-2007)
600-619 (May-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 74  
Description
This Loan Would Be A Great Thing!
This loan will be used for a couple reasons. One is our 5th year anniversary is in October and we would like to go on a cruise to the Caribbean. Also it's time for new furniture in our home. We need a new table, coach & end tables.

I am a good candidate for this loan because I have had 3 loans before and have paid them off in full on time or early. This loan WILL be paid off by the end of the year.

Monthly net income: $40,000
Housing: $ Hubby pays
Insurance: $ Hubby pays
Car expenses: $ 442.06
Utilities: $ 400
Phone, cable, internet: $ Hubby pays
Food, entertainment: $ Hubby pays
Clothing, household expenses: $ 100
Credit cards and other loans: $ 50
Daycare expenses: $700
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 502349
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
Minimum Amount to Fund: $7,000 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): 5 First credit line: Jul-1993 Debt/Income ratio: 18%
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 5Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 36 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $332Stated income:$100,000+
Delinquencies in last 7y: 36 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: tender-loan4 Borrower's state: Nebraska 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
Wedding
This loan will be used to...help pay for my wedding. Need more than $10,000 to give my bride the wedding she deserves, but will accept this amount. However if you are able to provide a loan of $20,000 dollars you would make her the happiest woman in the world

I currently make roughly $100,000 per year and have not been late on any payments for the last 5+ years. I do not carry any credit cards other than a store card so I am unable to us a card. My motto has always been if you can't pay for it with cash then you don't need it, however this is a different situation. I am unable to use liquid assest as my savings will not allow this.


Monthly net income: $ 8333
Monthly expenses: $
Housing: $1702.00
Insurance: $ 378.00
Car expenses: $ 1200.00
Utilities: $ 200
Phone, cable, internet: $ 500
Food, entertainment: $ 1000
Clothing, household expenses: $ 100
Credit cards and other loans: $ 30
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503271
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: $2,988.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,091.60 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.99% Borrower rate/APR: 14.99% / 17.16% Monthly payment: $103.57
 
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: Feb-1998 Debt/Income ratio: 8%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 4 Occupation: Student - College J...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $717Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: Malachi39 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need money for books and tuition
Purpose of loan:
This loan will be used to...
Pay for me getting my degree
My financial situation: Ok, but need a little help
I am a good candidate for this loan because...
I have been rebuilding my credit for the last three years by working two jobs and going to school full time. Now that my GI Bill has run out I need a little extra to finish off school.

Monthly net income: $25157
Monthly expenses: $1100
Housing: $700
Insurance: $35
Car expenses: $50
Utilities: $50
Phone, cable, internet: $90
Food, entertainment: $65
Clothing, household expenses: $0
Credit cards and other loans: $75
Other expenses: $25
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503277
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
Minimum Amount to Fund: $8,000 Estimated loss*: 10.80%  
Term: 60 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 31.42% Monthly payment: $253.89
 
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: Dec-1993 Debt/Income ratio: 29%
Credit score: 720-739 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:17y 1m
Amount delinquent: $0 Total credit lines: 19 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,754Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: luminous-trade4 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
luminous-trade4
Purpose of loan: Debt consolidation
This loan will be used to... Credit card and other loan.

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


Monthly net income: $3100
Monthly expenses: $1810
Housing: $850
Insurance: $121
Car expenses: $265
Utilities: $0
Phone, cable, internet: $130
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $294
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503301
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: 12 months  
 
Lender yield: 22.99% Borrower rate/APR: 23.99% / 33.08% Monthly payment: $189.11
 
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): 6 First credit line: Mar-1998 Debt/Income ratio: 20%
Credit score: 680-699 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:17y 0m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,384Stated income:$50,000-$74,999
Delinquencies in last 7y: 12 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: loot-serrano Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
loan
Purpose of loan:
This loan will be used to...
i want to combine a few bills so iam not making payments to so many different places.
My financial situation: i make good money and so does my wife
I am a good candidate for this loan because...
i will pay it

Monthly net income: $5000
Monthly expenses: $3500
Housing: $1500
Insurance: $100
Car expenses: $300
Utilities: $170
Phone, cable, internet: $200
Food, entertainment: $600
Clothing, household expenses: $150
Credit cards and other loans: $400
Other expenses: $
500 daycare
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503323
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: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $604.28
 
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-1979 Debt/Income ratio: 34%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:46y 9m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $160,829Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: sentimental-generosity4 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
polk co
Purpose of loan: To finish new residence
This loan will be used to...to pay workers

My financial situation: good
I am a good candidate for this loan because...I have applied for a reverse mortgage which will close as soon as house is completed, and all bills will be paid including this one.


Monthly net income: $4036
Monthly expenses:
Housing: $1100
Insurance: $60
Car expenses: $100
Utilities: $250
Phone, cable, internet: $150
Food, entertainment: $300
Clothing, household expenses: $50
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503331
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: $4,200.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,940 Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.42% Monthly payment: $160.38
 
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: Oct-1997 Debt/Income ratio: 35%
Credit score: 760-779 (Apr-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 40 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,257Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: Yes  
Screen name: first-contract-oasis 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 760-779 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
760-779 (Jul-2010)
 
Principal balance: $2,589.12 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Debt consolidation
Purpose of loan: Assorted
This loan will be used to...We are in the beginning stages of trying to purchase a home and with this loan, we hope to either pay off debts or apply this to the down payment. We are unsure at this time because we don't know what the financial lenders will tell us.

My financial situation: Good
I am a good candidate for this loan because...I have been gainfully employed for the last 10 years (almost five at my present job) and I have been making payments on my other Prosper loan that I got received earlier this year...


Monthly net income: $1800
Monthly expenses: $125
Housing: $400
Insurance: $100
Car expenses: $330
Utilities: $100
Phone, cable, internet: $130
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503399
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: $2,800 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: Oct-1987 Debt/Income ratio: 28%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 5 Current / open credit lines: 14 / 11Length of status:6y 10m
Amount delinquent: $949 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $22,354Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: Indibran 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
Debt consolidation
Purpose of loan:
To consolidate my low balance credit cards.

My financial situation: I am financially okay. My husband and I currently make 55,000. a year between the both of us.
I am a good candidate for this loan because...I have demonstrated for several years that I have and will make my payments on time, everytime. With my husbands income our net combined wages are approximately $4800.
Monthly net income: $1490
Monthly expenses:
Housing: $0
Insurance: $170
Car expenses: $0
Utilities: $0
Phone, cable, internet: $240
Food, entertainment: $0
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503423
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: $15,000 Estimated loss*: 3.50%  
Term: 60 months  
 
Lender yield: 12.40% Borrower rate/APR: 13.40% / 14.77% Monthly payment: $344.38
 
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: Dec-1996 Debt/Income ratio: 13%
Credit score: 760-779 (Apr-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 45 Occupation: Other
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $1,696Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: harmonious-marketplace1 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
Business Opportunity!
Purpose of loan:
This loan will be used to start my own healthy vending business. I feel this will help me generate additional income and become my own boss. Since I have the passion in healthy eating I would like to start this business and show others how to become healthy as well!

My financial situation:
I am a good candidate for this loan because I pay all my bills on time. I always pay off my bills of less than expected. Even though I chose to pay this loan off in 5 years I will pay this off less than 2 years! With me working full time and working on my new business I will be bringing in more revenue. My main focus is running my business and becoming debt free! I need everyone's help to make my dreams come true!! I know trust and understanding is what I have to prove. Please let me prove it to you. :)

Thanks for you time!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503479
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-2000 Debt/Income ratio: Not calculated
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 1 / 1Length of status:0y 3m
Amount delinquent: $26 Total credit lines: 22 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 20 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: foreverdreamin 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
Fund my invention... dream! :)
This loan will be used to... Fund the building and design phase of my idea/invention. I submitted this idea to Davison Inc (http://www.davison.com) This loan will pay 70% of the total amount due. It will get the build/design phase in process.

I am a good candidate for this loan because... I have held a consistent job for over 2 years and I have enough to make the monthly payments no problem, just not the full 70% ($6,891.34). My credit is extremely important to me at this point in my life, and so is this project I have taken on! Thanks so much for looking!!


Monthly net income: $3000
Monthly expenses: $2433.83
Housing: $540
Insurance: $66/210 (auto/health)
Car expenses: $257.83 (paid off in Sept!)
Utilities: $included in rent
Phone, cable, internet: $160
Food, entertainment: $300
Clothing, household expenses: $50
Credit cards and other loans: $350
Other expenses: $500 (fuel and golf :-) )
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503497
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: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $604.28
 
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: Nov-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Apr-2011) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 18 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,106Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: No  
Screen name: deal-cake0 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 for Purchase of Business
Purpose of loan: Loan for purchase of business franchise.

This loan will be used to the purchase of a AAMCO franchise. I am purchasing exisiting business for $250k. I have $200k from a 401k Rollover. Need an additional $50k, which I am putting together. Existing business has excellent cash flow and great financials.

My financial situation: I am purchasing exisiting business for $250k. I have $200k from a 401k Rollover. Need an additional $50k, which I am putting together.

Monthly net income: $ 7400.00
Monthly expenses: $5000.00
Housing: $1900.00
Insurance: $300.00
Car expenses: $675.00
Utilities: $200.00
Phone, cable, internet: $250.00
Food, entertainment: $1000.00
Clothing, household expenses: $500.00
Credit cards and other loans: $175.00
Other expenses: $0
Information in the Description is not verified.