Listing Report:Supplement No. 33 dated Jun 05, 2011 to Prospectus dated May 17, 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 May 17, 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 May 17, 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 494754
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
Minimum Amount to Fund: $5,000 Estimated loss*: 10.00%  
Term: 36 months  
 
Lender yield: 22.99% Borrower rate/APR: 23.99% / 27.47% Monthly payment: $196.14
 
Lender servicing fee: 1.00% Effective Yield*: 22.43%  
Estimated return*: 12.43%  
* 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: Jun-1999 Debt/Income ratio: 44%
Credit score: 700-719 (May-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 27 Occupation: Bus Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $14,603Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: forthright-integrity Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 700-719 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
700-719 (Apr-2010)
 
Principal balance: $656.80 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Making progress
Purpose of loan:
This loan will be used to pay off two existing loans. A few years ago we unwisely took out a loan with a consumer finance company at an exorbitant interest rate. We've been able to pay the original $7,000 loan balance down to $3,750. If we can get a lower rate, we will use the funds to pay it off debt plus a $1,000 dept. store account. The new loan payment should be less we are paying now, saving us about $65 per month. In addition, a third loan will be paid off in July, so in total our monthly payments will drop in the next month or so by nearly $300.

My financial situation:
Stable, both of us are employed full time. We ran into a rough patch several years ago but are making real progress in paying down our debts. We have retired several thousand in debt in the past eighteen months and this will help improve our cash flow while continuing to retire debt and build up our savings.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494836
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: Jul-1988 Debt/Income ratio: 52%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 17Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 39 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $18,903Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: No  
Screen name: wise-determined-deal 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
Getting Control
Purpose of loan: Credit Card Debt Consolidation
This loan will be used to... close out revolving credit card accounts

My financial situation: stable
I am a good candidate for this loan because... I have been a paralegal for over 15 years and have a stable job of over 3.5 years as a senior paralegal in a good law firm


Monthly net income: $4,300
Monthly expenses: $
Housing: $ 800
Insurance: $ 65
Car expenses: $ 300
Utilities: $50
Phone, cable, internet: $ 75
Food, entertainment: $ 350
Clothing, household expenses: $ 50
Credit cards and other loans: $ 1200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509764
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: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 20.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $152.42
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
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): 1 First credit line: Oct-1996 Debt/Income ratio: 26%
Credit score: 640-659 (May-2011) Inquiries last 6m: 8Employment status:Other
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:25y 0m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $12,741Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: Yes  
Screen name: excellent-contract059 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
Pay bills
Purpose of loan:
This loan will be used to...Pay off credit cards.

My financial situation: Good
I am a good candidate for this loan because...I want to pay off my credit cards and just have one payment to make.


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 509776
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $5,000 Estimated loss*: 6.10%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $183.25
 
Lender servicing fee: 1.00% Effective Yield*: 17.57%  
Estimated return*: 11.47%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1988 Debt/Income ratio: 19%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 10 / 8Length of status:10y 3m
Amount delinquent: $479 Total credit lines: 35 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,884Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: jbnptaluma420 Borrower's state: California Borrower's group: Top Borrowers 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 / 1 On-time: 14 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
620-639 (Jan-2008)
560-579 (Feb-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
Debt Consolidsation
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...I have had a steady job for over 10 years with the same company and am workiing to consolidate all my debt into low monthly payment.


Monthly net income: $3400
Monthly expenses: $1500
Housing: $0 I live at home
Insurance: $150
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $500
Clothing, household expenses: $200
Credit cards and other loans: $200
Other expenses: $450
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509784
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
Minimum Amount to Fund: $3,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $204.10
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* 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: Feb-1998 Debt/Income ratio: 25%
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 7Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 26 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,849Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: wise-reliable-balance 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
personal loan
Purpose of loan:
This loan will be used to pay off some debt and to get finances back in order.

My financial situation:
I am a good candidate for this loan because I always pay off my debt. Just had a bad streak of luck with medical emergencies in the family. Not me personaly.


Monthly net income: $2500.00
Monthly expenses: $
Housing: $450
Insurance: $50
Car expenses: $200
Utilities: $260.00
Phone, cable, internet: $170.00
Food, entertainment: $200.00
Clothing, household expenses: $50.00
Credit cards and other loans: $370.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509786
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*: 20.30%  
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*: 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): 3 First credit line: Jan-1995 Debt/Income ratio: 23%
Credit score: 740-759 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 9Length of status:22y 10m
Amount delinquent: $0 Total credit lines: 25 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,323Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: hizhuny06 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
My personal loan
Purpose of loan:
This loan will be used to catch up on some back debt since my husband is between jobs

My financial situation:
I am a good candidate for this loan because I pay my bills on time and I am constantly rebuilding my credit.


Monthly net income: $5500
Monthly expenses approximately: $4000
Housing: $1700
Insurance: $294
Car expenses: $474
Utilities: $267.23
Phone, cable, internet: $210
Food, entertainment: $275.
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 509796
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 20.30%  
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*: 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): 1 First credit line: Mar-1986 Debt/Income ratio: 37%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 47 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,559Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: liberty-saber2 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
Consolidating Debt
Purpose of loan:
This loan will be used to...Consolidate some of my smaller debts

My financial situation:
I am a good candidate for this loan because...I know how to handle my debs responsibly and understand the importance of good credit. I also have the means to repay the loan according the the agreed upon terms.

Monthly net income: $3700
Housing: $825
Insurance: $116
Car expenses: $324
Utilities: $125
Phone, cable, internet: $156
Food, entertainment: $200
Clothing, household expenses: $150
Credit cards and other loans: $1200
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509800
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: $14,700.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,290 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 20.44% Monthly payment: $381.25
 
Lender servicing fee: 1.00% Effective Yield*: 17.68%  
Estimated return*: 11.73%  
* 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-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Jun-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:6y 1m
Amount delinquent: $0 Total credit lines: 11 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,326Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: honorable-bonus9 Borrower's state: Montana 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
Looking For a Good Investment?
This loan is to be used for my online advertising business. I need this loan to run online ads, essentially operating capital.
As an experienced affiliate marketer I run ads to promote a merchant's product. I make a commission on each sale. In 2009 tax year earned nearly $400,000 pretax profit.
I have good credit. I have a great business and skill set. I'm motivated. I took a hiatus in 2010, living off of savings and traveling. Right now I'm about to resume advertising. I'm hoping to get this loan to expand my operating capital, and reduce the cash flow growing pains. I promise to repay you.
Thank you for reading my request and investing in me. :)
Monthly net income: $ 100-200 (This will surely increase soon, this is how my income looked in 2009 and the next month I made $30k)
Monthly expenses: $1200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509806
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 1.95%  
Term: 60 months  
 
Lender yield: 10.99% Borrower rate/APR: 11.99% / 12.21% Monthly payment: $266.87
 
Lender servicing fee: 1.00% Effective Yield*: 10.98%  
Estimated return*: 9.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: May-1989 Debt/Income ratio: 3%
Credit score: 800-819 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 5Length of status:14y 8m
Amount delinquent: $0 Total credit lines: 17 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: auction-aviary7 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
loan for housing
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509818
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: $16,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $16,000 Estimated loss*: 1.00%  
Term: 60 months  
 
Lender yield: 9.99% Borrower rate/APR: 10.99% / 11.21% Monthly payment: $347.80
 
Lender servicing fee: 1.00% Effective Yield*: 9.98%  
Estimated return*: 8.98%  
* 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-1989 Debt/Income ratio: 16%
Credit score: 780-799 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:8y 1m
Amount delinquent: $0 Total credit lines: 62 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,213Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: Yes  
Screen name: cello717 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 11 ( 100% ) 780-799 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
800-819 (May-2010)
 
Principal balance: $3,601.31 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
debt consolidation
Purpose of loan:
This is the perfect consolidation loan to invest in. Having moved into our new house in the last year, we are consolidating smaller bills into our new Prosper loan. We are also paying off our old Prosper loan into this one. We have borrowed on Prosper before and have never missed a payment. With this consolidation our monthly payments will go from $1122 DOWN TO $347. For an investor like you, a great return at 10.99%

My financial situation:
I am an exceptional candidate for this loan just like my first Prosper loan. AA rating, plenty of income and I will also be paying off the other prosper loan with the proceeds from this one which will effectively drop my debt/income ratio to 9%. Havent missed any type of payment in 20+ years. You will get paid back at a real nice interest rate. Feel free to ask any question, we always respond quickly. Our loan repayment is pulled directly from my account each month like clockwork.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509844
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: E Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 13.00%  
Term: 36 months  
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $214.98
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%  
Estimated return*: 15.61%  
* 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): 2 First credit line: Jan-2003 Debt/Income ratio: Not calculated
Credit score: 620-639 (Jun-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,371Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: hopeful-listing 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: 18 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
680-699 (Nov-2009)
 
Principal balance: $623.97 31+ days late: 0 ( 0% )
Total payments billed: 18  
Description
Home Improvement
Purpose of loan:
My fiance and I just bought a new house and it needs some work done before we can move in.

My financial situation:
We just made it through the difficult qualification process for a mortgage which examined our credit worthiness better than any other loan application could. My fiance makes $40,000 a year and with our combined income we have a disposable income of $2,200 a month. However, the remodel projects cost a bit more than we have left after our down payment so we'd like a loan to cover the remainder of the project rather than wait for 2-3 months before we can move in.

Our combined finances:

Monthly net income: $4,830
Total monthly expenses: $2,542

Housing: $1,157
Insurance: $108
Car expenses: $125
Utilities: $125
Phone, cable, internet: $171
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $206
Pet: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509910
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: $2,800.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 11.20%  
Term: 12 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 34.11% Monthly payment: $266.11
 
Lender servicing fee: 1.00% Effective Yield*: 23.40%  
Estimated return*: 12.20%  
* 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-2008 Debt/Income ratio: 13%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 3 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $877Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: clipper751 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
Help Me Achieve My Dream
Purpose of loan:
Purchase a motorcycle as well as pay off and consolidate my debt. I had set a goal to buy a motorcycle before this summer over a year ago. Unfortunately, I was in a car accident in January and the insurance money was taken by my father as he originally purchased the car and we are not on good terms. So the money I had saved to buy a motorcycle had to be used for another car. I do not want to start from scratch and I have heard great things about this site so I'm going to pursue it now!

My financial situation:
I am currently a specialist at my company and I am moving up fast with a promotion and raise on the horizon. But, as is life, It was pushed back a little bit for about two months.


Monthly net income: $2000
Monthly expenses: $1350
Housing: $500
Insurance: $50
Car expenses: $100
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509976
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: A Listing Duration: 14 days
Minimum Amount to Fund: $6,500 Estimated loss*: 2.60%  
Term: 36 months  
 
Lender yield: 9.29% Borrower rate/APR: 10.29% / 12.40% Monthly payment: $210.62
 
Lender servicing fee: 1.00% Effective Yield*: 9.26%  
Estimated return*: 6.66%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Aug-1990 Debt/Income ratio: 13%
Credit score: 760-779 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:19y 8m
Amount delinquent: $0 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,457Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: generosity-adventure108 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 32 ( 100% ) 760-779 (Latest)
Principal borrowed: $9,000.00< 31 days late: 0 ( 0% )  
760-779 (Sep-2008)
 
Principal balance: $1,133.60 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
Seeking $6,500
Purpose of loan:
This loan will be used to consolidate three credit card balances into a single payment at a lower interest rate

My financial situation: Solid. Same employer for nearly 20 years.
I am a good candidate for this loan because I currently have a loan with Prosper that I will pay off in October 2011 and I have always made payments on time and will do the same with loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 510026
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: Oct-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 2Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 35 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $355Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: BMWGuinness Borrower's state: Florida Borrower's group: 1st and BEST for Loans
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
Rebuilding the right way!
Purpose of loan:
This loan will be used to help purchase a small condo in the effort to rebuild my credit after a bankruptcy. The condo is so inexpensive, it is cash only, and while I already have most of the cash, this loan will help cover the final amount.

My financial situation:
I am a good candidate for this loan because I am almost 2 years out of my bankruptcy, and in the mid 600s in my credit score. My credit score was 780+ before my bankruptcy. Everything I own is free and clear, which is a problem when I'm trying to rebuild my credit. I have cash saved up to purchase a condo, but this small loan will help me re-establish credit.


Monthly net income: $3000
Monthly expenses: $
Housing: $500
Insurance: $100
Car expenses: $150
Utilities: $
Phone, cable, internet: $175
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 510038
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*: 10.00%  
Term: 36 months  
 
Lender yield: 22.99% Borrower rate/APR: 23.99% / 27.47% Monthly payment: $78.46
 
Lender servicing fee: 1.00% Effective Yield*: 22.43%  
Estimated return*: 12.43%  
* 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): 1 First credit line: Dec-1986 Debt/Income ratio: 20%
Credit score: 780-799 (Jun-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 7Length of status:22y 5m
Amount delinquent: $102 Total credit lines: 26 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $336Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: kp2116 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 41 ( 72% ) 780-799 (Latest)
Principal borrowed: $8,000.00< 31 days late: 15 ( 26% )  
640-659 (Oct-2009)
600-619 (Dec-2007)
600-619 (Dec-2006)
 
Principal balance: $0.00 31+ days late: 1 ( 2% )
Total payments billed: 57  
Description
New Craft Business
Purpose of loan:
This loan will be used to...purchase supplies for a custom jewelry business that I am starting.

My financial situation:
I am a good candidate for this loan because...I am employed full-time as a teacher. I have been in my position for over 22 years. The new business will provide additional income.


Monthly net income: $3048.16
Monthly expenses: $
Housing: $ None (Mortgage paid by spouse)
Insurance: $ 438
Car expenses: $ 396
Utilities: $ 375
Phone, cable, internet: $ 78
Food, entertainment: $ 400
Clothing, household expenses: $ 100
Credit cards and other loans: $ 120
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 510056
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $163.28
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* 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-1994 Debt/Income ratio: 19%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 4 Current / open credit lines: 9 / 9Length of status:9y 1m
Amount delinquent: $0 Total credit lines: 29 Occupation: Tradesman - Plumber
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,916Stated income:$50,000-$74,999
Delinquencies in last 7y: 17 Bankcard utilization: 70%  
   Homeownership: No  
Screen name: best-historic-wampum 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
Request
Purpose of loan:
This loan will be used to...home improvements.

My financial situation:
I am a good candidate for this loan because...I am not delinquent on any payments/bills and would like to make some improvements around my house.
5247

Monthly net income: $ 7400
Monthly expenses:
Housing: $1462
Insurance: $170
Car expenses: $521
Utilities: $175
Phone, cable, internet: $100
Food, entertainment: $800
Clothing, household expenses: $500
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 510086
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: E Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 13.00%  
Term: 36 months  
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $214.98
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%  
Estimated return*: 15.61%  
* 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): 3 First credit line: Apr-2004 Debt/Income ratio: 27%
Credit score: 600-619 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 8 / 8Length of status:5y 0m
Amount delinquent: $906 Total credit lines: 30 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,204Stated income:$25,000-$49,999
Delinquencies in last 7y: 13 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: DeannaShanelle Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 32 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
600-619 (Sep-2008)
 
Principal balance: $150.71 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
Paying Off Car and Credit Cards
Purpose of loan:
I am using this loan to pay off the remaining balances of my credit cards, and pay off my car.

My financial situation:
I currently pay about $480 a month in min. payments for my car and credit cards, this loan will open up about $280 more every month to pay down the balance. All negative reporting on my report is over 5 years old, I have since then been mature and responsible with my finances.

I am a good candidate for this loan because
My husband and I want to be debt free. We are not in threat of defaulting or running up credit cards again. We both work full time and never miss a monthly payment. Our Finances are under control, our jobs are stable, and we are responsible.

Monthly net income: $5600 - Combined with Husband
Housing: $1250
Insurance: $85
Car expenses: $250
Utilities: $350
Phone, cable, internet: $130
Food, entertainment: $300

Your investment is safe with me. I hope we can do business.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 510092
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: Nov-1992 Debt/Income ratio: 23%
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 9 / 9Length of status:18y 8m
Amount delinquent: $1,780 Total credit lines: 30 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,791Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: Yes  
Screen name: flexible-value732 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
Solid Financial Investment
Purpose of loan:
This loan will be used to pay off a few high interest credit cards that were used to charge medical bills

My financial situation:
I am a good candidate for this loan because I am responsible and hardworking. I don't like a lot of debt looming so I consider this loan to be the smartest way to cut my interest rate down.

Monthly net income: $ 6500
Monthly expenses: $ 2500
Credit cards and other loans: $ 1500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 510098
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $7,700 Estimated loss*: 1.95%  
Term: 60 months  
 
Lender yield: 10.99% Borrower rate/APR: 11.99% / 12.21% Monthly payment: $244.63
 
Lender servicing fee: 1.00% Effective Yield*: 10.98%  
Estimated return*: 9.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Aug-1997 Debt/Income ratio: 6%
Credit score: 800-819 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:23y 5m
Amount delinquent: $0 Total credit lines: 24 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,540Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 27%  
   Homeownership: Yes  
Screen name: reward-balance Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
loan for home improvement
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 510110
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: $3,700.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,590 Estimated loss*: 20.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $161.13
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
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): 1 First credit line: May-2002 Debt/Income ratio: 82%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,994Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: five-star-exchange8 Borrower's state: Oklahoma 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
title
Purpose of loan: personal loan
This loan will be used to...

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


Monthly net income: $1350
Monthly expenses: $1032
Housing: $353
Insurance: $ 89
Car expenses: $300
Utilities: $0
Phone, cable, internet: $30
Food, entertainment: $ 40
Clothing, household expenses: $0
Credit cards and other loans: $180
Other expenses: $40
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 496837
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: E Listing Duration: 14 days
Minimum Amount to Fund: $4,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $195.97
 
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: Apr-2000 Debt/Income ratio: 32%
Credit score: 660-679 (May-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 26 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,132Stated income:$25,000-$49,999
Delinquencies in last 7y: 15 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: first-justice-admirer Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Purpose of loan:
This loan will be used to...debt consolidation

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


Monthly net income: $
Monthly expenses: $
Housing: $500
Insurance: $
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509473
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*: 13.00%  
Term: 36 months  
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $322.47
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%  
Estimated return*: 15.61%  
* 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): 1 First credit line: Aug-1998 Debt/Income ratio: Not calculated
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 17 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,214Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: energy2008 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 / 2 On-time: 27 ( 96% ) 640-659 (Latest)
Principal borrowed: $4,551.00< 31 days late: 1 ( 4% )  
640-659 (Jul-2010)
640-659 (Apr-2010)
600-619 (May-2009)
600-619 (Feb-2008)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
My loan for home improvement
Purpose of loan:
This loan will be used to repair and upgrade one side of a duplex that I own.
My financial situation:
I am a good candidate for this loan because I have an excellent job. The additional income from the new tenant will be enough to make the payments on the loan.


Monthly net income: $11,250
Monthly expenses: $6225
Housing: $2200
Insurance: $450
Car expenses: $235
Utilities: $140
Phone, cable, internet: $225
Food, entertainment: $400
Clothing, household expenses: $425
Credit cards and other loans: $1650
Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509701
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*: 13.00%  
Term: 36 months  
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $322.47
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%  
Estimated return*: 15.61%  
* 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): 1 First credit line: Nov-2002 Debt/Income ratio: 30%
Credit score: 600-619 (Jun-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 5 Current / open credit lines: 3 / 3Length of status:0y 3m
Amount delinquent: $20,128 Total credit lines: 29 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $671Stated income:$25,000-$49,999
Delinquencies in last 7y: 27 Bankcard utilization: 51%  
   Homeownership: No  
Screen name: Tiff1013 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 33 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
540-559 (Jul-2008)
 
Principal balance: $26.65 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
Debt Consolidation: Dream of Home
Purpose of loan:
This loan will be used to consolidate our debt in order to purchase a new home in 3 years when this loan is paid off.

My financial situation:
I am a good candidate for this loan because I have the income necessary to pay for this loan. I am also past the financial mistakes that I made as a teenager. I am responsible and always payback my debts. I have just paid back my first prosper loan. I have just earned my college degree and will earn an MBA in a year. I have been in property management for 7 years and keep working hard to climb the ladder. Due to a decrease in my overall expenses and higher income I plan on paying back this loan in 1.5 years based on the budget I created.

Monthly net income: $3908.99
Monthly expenses: $ 1271 Total
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509719
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: $15,000 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 20.44% Monthly payment: $389.03
 
Lender servicing fee: 1.00% Effective Yield*: 17.68%  
Estimated return*: 11.73%  
* 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: Mar-1993 Debt/Income ratio: 13%
Credit score: 760-779 (Jun-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 5Length of status:23y 1m
Amount delinquent: $5,939 Total credit lines: 26 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $703Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 31%  
   Homeownership: Yes  
Screen name: dime-sitar 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
rental home & bills consolidation
Purpose of loan:
This loan will be used to to payoff some bills and I also have a mobile home I am going to fix up and use as rental property.

My financial situation:
I am a good candidate for this loan because I make enough money to pay back the loan and I also will have passive income with the rental property


Monthly net income: $4100.00
Monthly expenses: $2584.00
Housing: $800.00
Insurance: $165.00
Car expenses: $0
Utilities: $220.00
Phone, cable, internet: $80.00
Food, entertainment: $350.00
Clothing, household expenses: $100.00
Credit cards and other loans: $150.00
Other expenses: $719.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509725
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: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $527.28
 
Lender servicing fee: 1.00% Effective Yield*: 14.73%  
Estimated return*: 8.78%  
* 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-1995 Debt/Income ratio: 31%
Credit score: 700-719 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 18 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $43,913Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: eloquent-listing 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
Credit Consolidation loan
This loan will be used to consolidate some of my credit cards so I can move towards fiscal responsibility. I am currently able to make all my minimum payments, but I would like to consolidate a few amounts so I can focus on some of the larger amounts and get my debt in control.

I am a good candidate for this loan because I am employed and work for a great company that offers bonuses and pay increases annually. I just received a promotion. I am a hard worker and although I have made some poor decisions with use of credit cards, I am always quick to repay any debts to friends and always make my minimum payments in time.

Monthly net income: $3,400 (I make $66,600
Housing: $775 (rent)
Insurance: $600 (annual)
Car expenses: $372 (car payment);
Utilities: $50-75
Phone, cable, internet: $150
Food, entertainment: $100-200
Clothing, household expenses: $50
Credit cards and other loans: $1,000-1,500
Other expenses: $100-200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509743
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-1987 Debt/Income ratio: 9%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:13y 3m
Amount delinquent: $0 Total credit lines: 43 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,254Stated income:$75,000-$99,999
Delinquencies in last 7y: 20 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: auction-trophy3 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
Projects
Purpose of loan:
This loan will be used to...

Repair home and pay other debt.

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

I have learned to pay my bills on time.

Monthly net income: $4000.00
Monthly expenses: $2100.00
Housing: $750 (husband and I both pay this)
Insurance: $350.00 (car and life)
Car expenses: $0
Utilities: $200.00
Phone, cable, internet: $150.00
Food, entertainment: $300.00
Clothing, household expenses: $200.00
Credit cards and other loans: $300.00
Other expenses: $200 (taxes); sometimes assist daughters (this is optional amount varies)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509749
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
Minimum Amount to Fund: $25,000 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.40% Borrower rate/APR: 11.40% / 13.52% Monthly payment: $823.21
 
Lender servicing fee: 1.00% Effective Yield*: 10.37%  
Estimated return*: 6.57%  
* 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): 9 First credit line: Oct-1979 Debt/Income ratio: 15%
Credit score: 720-739 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 7 Current / open credit lines: 7 / 7Length of status:4y 7m
Amount delinquent: $34 Total credit lines: 36 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $14,285Stated income:$100,000+
Delinquencies in last 7y: 2 Bankcard utilization: 44%  
   Homeownership: No  
Screen name: dedication-prairie5 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debtpayoff
Purpose of loan:
This loan will be used to...loan consolidation and payoff

My financial situation:
I am a good candidate for this loan because...I earn a good wage and work in the medical industry. This affords me about as much job security that a person can have. I have an excellent employment record and a solid debt payment history. .
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509761
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*: 20.30%  
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*: 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): 1 First credit line: Jan-2004 Debt/Income ratio: 26%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 9Employment status:Employed
Now delinquent: 2 Current / open credit lines: 13 / 13Length of status:4y 0m
Amount delinquent: $17,045 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $937Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: green-payout-meridian Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation Loan
This loan will be used to...
Pay off 2 loans, that I co-signed for that are damaging my credit, because my sister is not working and can not pay them. The loans are about $16k and I have about 10k saved to pay the loans.

My financial situation: I am currently a homeowner and I work full time. I have worked with the same employer for 4 years. I am also a fulltime student.

I am a good candidate for this loan because...I always pay all of my financial obligations every month. I am extremely financially responsible and have a budget that I have been sticking to for the past 5 years that has allowed me to buy and maintain my own home in 2008.

Monthly net income: $ 4,995.00
Monthly expenses: $ 3.016
Housing: $ 2074
Insurance: $60
Car expenses: $357
Utilities: $80
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $45
Other expenses: $50 (gas)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509821
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*: 20.30%  
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*: 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): 1 First credit line: Mar-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 7 / 7Length of status:0y 10m
Amount delinquent: $11,266 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,962Stated income:$1-$24,999
Delinquencies in last 7y: 7 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: beaker016 Borrower's state: Michigan 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
Passionate Business Owner
Purpose of loan:
This loan will be used to...
Take expand my company that specializes in maternity comfort products from e-tailer to brick and mortar.
My financial situation:
I am a good candidate for this loan because I am a responsible individual that understands the importance of increasing my credit score so that I can grow my business idea to it's fullest potential


Monthly net income: 1500.00
Monthly expenses: 700.00
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 509879
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,700 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $449.02
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* 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-1999 Debt/Income ratio: 39%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:4y 5m
Amount delinquent: $458 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,921Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: agile-dedication5 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
Growing Photography Studio
This loan will be used to expand my photography business.

For the last 3 years, I have done freelance photography for friends, family and work. This past year, I incorporated my business and I am growing my portrait and wedding photography studio. This loan would be used to expand advertising, upgrade camera, owning better lenses, lighting equipment, upgrade software and new computer.

The majority of my business income comes from weddings. I currently have 4 weddings booked for 2011 and 1 for 2012. My goal is to photograph 10 weddings in 2012 and hope to reach this goal by expanding my advertising and offer more creative packages. Average income from one of my wedding packages is $2000. My current monthly expenses are $90.

I am a good candidate for this loan because I have a stable, full time job and am able to make on-time payments while the business is growing. I am working on improving my personal credit which is why I do not have money to invest personally.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509883
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: A Listing Duration: 14 days
Minimum Amount to Fund: $6,500 Estimated loss*: 2.60%  
Term: 36 months  
 
Lender yield: 9.29% Borrower rate/APR: 10.29% / 12.40% Monthly payment: $210.62
 
Lender servicing fee: 1.00% Effective Yield*: 9.26%  
Estimated return*: 6.66%  
* 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-1992 Debt/Income ratio: 10%
Credit score: 700-719 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 1Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 13 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,706Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: No  
Screen name: dizzygiggleflix Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 700-719 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
640-659 (Oct-2006)
 
Principal balance: $0.06 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Second time is a charm...
Two weeks ago I had a pending deal to buy into a friend's business, I confidently went to my credit union for a increase of my Line of Credit to cover my investment (at a lower interest rate than a unsecured personal loan). To my horror there appears a new item in collections on my credit report, a vehicle I had given a friend in 2000 was towed away in 2001 but the title was never changed out of my name. Now I have returned to Prosper to gather the funds to obtain counsel to eliminate either by challenge or payment this decade old item that now appears on the report.

My present finances are a 1000$ LoC, $1836.12 in savings (two months rent and change), credit card with a limit of 2500$ (with a $1706.31 balance), income is roughly $1800.00 a month (plus or minus 50$ depending on outside events).

Any funds left after my challenge of the debt will goto: reducing credit card debt, increasing savings to 3 months rent in savings and reducing the prosper loan in that order.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509901
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-2000 Debt/Income ratio: Not calculated
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 16 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $6,296Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: prudent-note5 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
Crazy Dreams
Purpose of loan: debt consolidation
This loan will be used to...to pay off my debt

My financial situation:
I am a good candidate for this loan because..I have a solid payment history. I do pay all of my bills on time..this loan will help a great deal. The montly payments that I pay on my other loans is more than enough to make the monthly payment to Prosper. I do appreciate the time and effort that all of the investers put into helping myself and others suceed. You all truely are angels!!


Monthly net income: $8000.
Monthly expenses: $
Housing: $100.
Insurance: $356
Car expenses: $417
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $400
Clothing, household expenses: $0
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509919
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $285.74
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* 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: Mar-1986 Debt/Income ratio: 8%
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 13Length of status:12y 11m
Amount delinquent: $0 Total credit lines: 27 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $32,210Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: honorable-liberty097 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
nycdoc
Purpose of loan:
This loan will be used to bridge cash flow while waiting for consulting payments (consulting is additional income beyond my regular employment)

My financial situation:
I am a good candidate for this loan because I am a university hospital employed physician who has had the same job for more than a decade. I own my home with a first mortgage only and I receive good salary which is deposited directly into my checking account. I am married with children and have a very stable life.


Monthly net income: $ 10,000
Monthly expenses: $7500
Housing: $3000
Insurance: $taken out of salary prior to net amount
Car expenses: $0
Utilities: $300
Phone, cable, internet: $200
Food, entertainment: $1000
Clothing, household expenses: $1000
Credit cards and other loans: $1500
Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509931
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: E Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $304.84
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jul-1989 Debt/Income ratio: 11%
Credit score: 720-739 (Jun-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 1 / 1Length of status:9y 9m
Amount delinquent: $1,464 Total credit lines: 54 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $439Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: dedication-revolutionary 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
Thanks For the Help
Purpose of loan: Pay off old bills
This loan will be used to...

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


Monthly net income: $ 2600
Monthly expenses:
Housing: $350
Insurance: $
Car expenses: $
Utilities: $ 125
Phone, cable, internet: $
Food, entertainment: $ 400
Clothing, household expenses: $
Credit cards and other loans: $30
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509943
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*: 20.30%  
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*: 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): 1 First credit line: Feb-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 8Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 23 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,120Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: Yes  
Screen name: community-plato 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
Vitamin Shoppe Inventory
Purpose of loan:
To shore up inventory for a large open-house event on June 18th, 2011 that my storefront has a featured spot in.

Will be able to easily pay back loan in a fraction of the time--under 1 year, probably 3-6 months--depending on how well the open-house goes.

Currently we have no outstanding business debt to any financial institutions and operate at 50%+ margin.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509955
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*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $612.30
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* 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: 30%
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 20Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 38 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $843Stated income:$75,000-$99,999
Delinquencies in last 7y: 2 Bankcard utilization: 15%  
   Homeownership: No  
Screen name: surge126 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
Citi
Purpose of loan:
This loan will be used to...pay off my credit card balance that was incurred while I was a full time college student

My financial situation:
I am a good candidate for this loan because...I currently have 2 jobs as a RN.


Monthly net income: $ 4800
Monthly expenses: $
Housing: $ 700
Insurance: $ 300
Car expenses: $ 380
Utilities: $
Phone, cable, internet: $ 200
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $ 800
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 510023
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: A Listing Duration: 14 days
Minimum Amount to Fund: $9,800 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.40% Borrower rate/APR: 11.40% / 13.52% Monthly payment: $461.00
 
Lender servicing fee: 1.00% Effective Yield*: 10.37%  
Estimated return*: 6.57%  
* 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): 9 First credit line: Apr-1995 Debt/Income ratio: 14%
Credit score: 740-759 (May-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:10y 2m
Amount delinquent: $0 Total credit lines: 24 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,288Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: keen-pound6 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
Debt Consolidation
Purpose of loan:
This loan is to consolidate my credit cards to one lender at a lower interest rate.

My financial situation:
I am a good candidate for this loan because I have job security and income including my spouse's that is not included in my income reported above. We take pride in our current credit status and have not been late on any payments. My goal is to be debt free in 3 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 510035
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 20.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $87.10
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 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): 3 First credit line: Jan-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (May-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:4y 0m
Amount delinquent: $52 Total credit lines: 9 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,808Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 104%  
   Homeownership: No  
Screen name: mrsmerty 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
Inventory Acquisition's
We will be using the money to purchase a new line of inventory for our
Ladies Handbag and Accessories shop. This inventory has a high profit margin, and will sell quickly.

We sell on average 6-10 thousand a month, and Are just
expanding our store to include Body Jewelry,

Why borrow the money? Because with high store rents, and overhead, we are needing this sales category to add pure profit to our store.

Please do ask any questions. Anything you would like to know will be answered.

I have another source of income. But would like to keep my business and Personal finances separate. Keep Uncle Sam very happy that way! I am retired, and having a ball in my new surroundings. I say new. But have been at this, and successful since June 2007

Thank you for looking at my request.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 510047
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: E Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $217.74
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jul-2000 Debt/Income ratio: 6%
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:5y 10m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 37 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: valiant-economy3 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
Personal Loan
Purpose of loan:
This loan will be used to purchase a used vehicle.

My financial situation:
I am a good candidate for this loan because I pay all my bills on time. I'm currently looking to purchase a vehicle to get me from A to B. I'm not looking for a used vehicle (nothing out of this world) just a little something to get around. My current debt situation is that I've paid all my outstanding debt, so this will be only line of credit. Also looking to rebuild my credit as well. Please consider me for this loan. Thank you in advance for your time.


Monthly net income: $3230
Monthly expenses: $
Housing: rent - $774
Insurance: $ None
Car expenses: $ None
Utilities: Con Ed - $80
Phone, cable, internet: $100
Food, entertainment: $120
Clothing, household expenses: I hardly buy new clothes. $50 if that
Credit cards and other loans: No outstanding credit debt
Other expenses: cell phone $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 510053
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: A Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 2.60%  
Term: 36 months  
 
Lender yield: 9.29% Borrower rate/APR: 10.29% / 12.40% Monthly payment: $243.03
 
Lender servicing fee: 1.00% Effective Yield*: 9.26%  
Estimated return*: 6.66%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-1995 Debt/Income ratio: 20%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 15 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,307Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 46%  
   Homeownership: No  
Screen name: Haven26 Borrower's state: Illinois Borrower's group: FUTURE FINANCIAL FREEDOM 1
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: 29 ( 91% ) 640-659 (Latest)
Principal borrowed: $3,000.00< 31 days late: 3 ( 9% )  
620-639 (Oct-2009)
520-539 (Aug-2007)
520-539 (Jun-2007)
 
Principal balance: $0.13 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
Happy Debt Consolidation
Purpose of loan: Debt Consolidation
This loan will be used to...Get caught up and be Happy!!
My financial situation: Good (working on excellent)

I am a good candidate for this loan because I am borrowing exactly what I need. This loan will pay off 90% off any credit cards and debts. My biggest goal is to pay off a card that was closed off by a bank itself when all the banking issues arouse. I have a steady secure job that I have been with for almost 3 years. I am also a previous borrower with a paid off loan. This loan will be fully paid off, with intention of an early pay off date than scheduled.

Thank you for your time and help.

Monthly net income: $ 2275
Monthly expenses: $ 1330.00
Housing: $ 450 (Rent)
Utilities: $ 150
Cell Phone, internet: $ 135
Food: $140
Clothing, household expenses: $ 80 (Work uniforms)
Credit cards and other Debts: $ 375
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 510089
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*: 20.30%  
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*: 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): 1 First credit line: Mar-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Jun-2011) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 9 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: bold-funds-fiesta 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
Inventory Financing
Purpose of loan: Inventory Financing
This loan will be used to...fund inventory financing for our business.

My financial situation: Good
I am a good candidate for this loan with a track record of successfully growing our 3 year business to a brick & mortar store, website (bitofsantafe.com) & wholesale customers. Our primary income stream is from the design & importing of lamp. The next shipment of an exciting new Southwestern design line is in production & ready to ship in 2 weeks. We're expanding this fall gift season & presenting our product line to regional wholesale markets. We anticipate early repayment of this loan by year-end.


Monthly net income: $8000-$13500
Monthly expenses: $2600
Housing: $1300
Insurance: $350
Car expenses: $700
Utilities: $360
Phone, cable, internet: $250
Food, entertainment: $230
Clothing, household expenses: $
Credit cards and other loans: $0
Other expenses: $545
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 510107
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 6.10%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $183.25
 
Lender servicing fee: 1.00% Effective Yield*: 17.57%  
Estimated return*: 11.47%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jan-1961 Debt/Income ratio: 13%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:18y 11m
Amount delinquent: $0 Total credit lines: 49 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,957Stated income:$25,000-$49,999
Delinquencies in last 7y: 17 Bankcard utilization: 100%  
   Homeownership: No  
Screen name: SPATENS Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 39 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,300.00< 31 days late: 0 ( 0% )  
640-659 (Oct-2010)
640-659 (Jun-2010)
640-659 (Mar-2010)
640-659 (Sep-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 39  
Description
HOME REPAIRS/CONSOLIDATION
Purpose of loan:
This loan will be used to. some for home repairs /tires for vehicle/ debt consolidation small debts..

My financial situation: good
I am a good candidate for this loan because.. i make enough money borrowed twice and paid off loans earlier than 36 months.


Monthly net income: 3300.00
Monthly expenses: $1400.00
Housing: $650.00
Insurance: 30.00
Car expenses: $ gas 200.00
Utilities: 110.00
Phone, cable, internet: $60.00
Food, entertainment: $200.00
Clothing, household expenses: $50.00
Credit cards and other loans: $110.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 510119
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1988 Debt/Income ratio: 111%
Credit score: 700-719 (Jun-2011) Inquiries last 6m: 3Employment status:Other
Now delinquent: 0 Current / open credit lines: 11 / 7Length of status:4y 11m
Amount delinquent: $0 Total credit lines: 26Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,673 
Delinquencies in last 7y: 0 Bankcard utilization: 27%  
   Homeownership: No  
Screen name: dough-mogul 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
Loan Needed
No description was provided by the borrower.
Information in the Description is not verified.