Listing Report:Supplement No. 56 dated Jun 18, 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 511063
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 2.60%  
Term: 36 months  
 
Lender yield: 9.29% Borrower rate/APR: 10.29% / 12.40% Monthly payment: $259.23
 
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: Dec-1995 Debt/Income ratio: 13%
Credit score: 720-739 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,776Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: No  
Screen name: liberty-system 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: 13 ( 100% ) 720-739 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
700-719 (Apr-2010)
 
Principal balance: $4,020.74 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate credit card debt and pay off another Prosper loan.

My financial situation:
I am a good candidate for this loan because I have a steady income, have been employed with the same company for multiple years, have great credit and credit history.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 511083
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 14.70%  
Term: 12 months  
 
Lender yield: 25.69% Borrower rate/APR: 26.69% / 35.84% Monthly payment: $719.00
 
Lender servicing fee: 1.00% Effective Yield*: 24.52%  
Estimated return*: 9.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: May-1993 Debt/Income ratio: 14%
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 5 Current / open credit lines: 5 / 3Length of status:3y 0m
Amount delinquent: $6,768 Total credit lines: 24 Occupation: Retail Management
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $475Stated income:$100,000+
Delinquencies in last 7y: 7 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: wise-power-friend 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
Home improvment needed
Purpose of loan: Improve home structure
This loan will be used to...foundation repair

My financial situation: I make good money but have credit problems from my past.
I am a good candidate for this loan because...I have been steadily improving my credit with on time payments and have owned my house for a year and trying to improve its value


Monthly net income: $10,000
Monthly expenses:
Housing: $1000
Insurance: $650
Car expenses: $315
Utilities: $400
Phone, cable, internet: $175
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $0
Other expenses: $500
child support
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 511879
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 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): 8 First credit line: Sep-1987 Debt/Income ratio: 32%
Credit score: 760-779 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:13y 5m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,068Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: No  
Screen name: pouch5 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Child's Tuition Loan Payoff
Purpose of loan:
This loan will be used to...consolidate loans for child's special education tuition.

My financial situation: Very Good
I am a good candidate for this loan because...I have good credit history and stable job history (13 years with same Company).


Monthly net income: $4940.00
Monthly expenses: $2555.00
Housing: $0.00
Insurance: $230.00
Car expenses: $525.00
Utilities: $
Phone, cable, internet: $
Food, entertainment: $350.00
Clothing, household expenses: $300.00
Credit cards and other loans: $1150.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 511897
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $87.10
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-1994 Debt/Income ratio: 17%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 4 Current / open credit lines: 10 / 8Length of status:17y 8m
Amount delinquent: $12,233 Total credit lines: 35 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,197Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: the-bill-enforcer 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
New car out of the question
Purpose of loan:
This loan will be used to fix my beloved mustang

My financial situation:
I am a good candidate for this loan because I am a hardworking individual and very responsible. If i can fix my car I will not need to buy a new one and take on a bigger loan. I also need the car to be in good running condition when I go back to school to get my masters. My car needs a complete overhaul in order to take me from one end of the city to the other everyday.


Monthly net income: $2800
Monthly expenses: $2360
Housing: $700
Insurance: $135
Car expenses: $185
Utilities: $0
Phone, cable, internet: $145
Food, entertainment: $385
Clothing, household expenses: $225
Credit cards and other loans: $585
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 511903
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $261.24
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-1998 Debt/Income ratio: 34%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 20 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,653Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: funds-czar5 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for wedding.
Purpose of loan: Paying for wedding
This loan will be used to... Pay wedding bills.

My financial situation:
I am a good candidate for this loan because...
I am never late or miss any payments. I have great job security.

Monthly net income: $ 5000.00
Monthly expenses: $ 2500.00
Housing: $425.00
Insurance: $182.00
Car expenses: $700.00
Utilities: $125.00
Phone, cable, internet: $200.00
Food, entertainment: $250.00
Clothing, household expenses: $50.00
Credit cards and other loans: $650.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 511915
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 6.10%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $274.88
 
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: Jun-2006 Debt/Income ratio: 20%
Credit score: 720-739 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:24y 10m
Amount delinquent: $0 Total credit lines: 13 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $52Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: sentimental-nickel3 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 9 ( 100% ) 720-739 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
720-739 (Jul-2010)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Sergeant
Purpose of loan: Business
This loan will be used to...Landscape
My financial situation: Good
I am a good candidate for this loan because...I've had one loan with you & my responsiblity is to pay it back.


Monthly net income: $42,000
Monthly expenses: $245.00
Housing: $825.00
Insurance: $Esco
Car expenses: $60.00
Utilities: $75.00
Phone, cable, internet: $-0-
Food, entertainment: $30.00
Clothing, household expenses: $-0-
Credit cards and other loans: $20.00
Other expenses: $-0-
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512001
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 20.44% Monthly payment: $337.16
 
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: Apr-1988 Debt/Income ratio: 8%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 10 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,181Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: No  
Screen name: affluence-banshee 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
Wedding Loan Before Bonus
My Fiance and I are getting married in September, but I won't get paid my bonus until early next year. I''m worried that some of the costs may run over and want to be able to bridge our finances until I'm paid my bonus.

My financial situation: My finances are fine, my only issue is that I just moved to California, and have had my job for 4 months (great job with a company that will be around forever)

I am a good candidate for this loan because I will meet my obligations and am genuinely honest, fair and easy to reach.


Monthly net income: $7,000
Monthly expenses: $3,500
Housing: $2,200
Insurance: NA
Car expenses: NA
Utilities: $35
Phone, cable, internet: $100
Food, entertainment: $650
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512013
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.00%  
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): 6 First credit line: May-1984 Debt/Income ratio: 11%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 2 Current / open credit lines: 3 / 3Length of status:0y 11m
Amount delinquent: $2,593 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,498Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: blessed4sure Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
620-639 (Nov-2009)
540-559 (Jan-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Proven Borrower - Needs Another Loa
Purpose of loan: Debt Consolidation

This loan will be used to...I would like to consolidate a couple of credit cards and pay back a personal loan that I used to pay unexpected taxes incurred due to retiring.

My financial situation: I am on a fixed income, due to retiring. I receive a government pension as well as social security.

I am a good candidate for this loan because I previously paid off a loan through Prosper.

Monthly net income: $ 2500.00
Monthly expenses: $2265.00
Housing: $ 800.00
Insurance: $ 500.00 Health $50.00-Car $20.00 - Life
Car expenses: $ $200.00
Phone, cable, internet: $75.00
Food, entertainment: $ 300.00
Clothing, household expenses: $ 100.00
Credit cards and other loans: $ 220.00

This loan will be used to pay off the Credit Card and other loans debt, which total $220 a month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512019
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
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-2003 Debt/Income ratio: 30%
Credit score: 620-639 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 3 / 3Length of status:4y 2m
Amount delinquent: $379 Total credit lines: 21 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: Cgfrogget Borrower's state: Florida Borrower's group: CREDIT BUILDER
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: 70 ( 100% ) 620-639 (Latest)
Principal borrowed: $5,800.00< 31 days late: 0 ( 0% )  
640-659 (Mar-2008)
660-679 (Mar-2007)
620-639 (Feb-2007)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 70  
Description
Joyfull Mom/New Grandma
Purpose of loan:
This loan will be used to...

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


Monthly net income: $1470
Monthly expenses: $905
Housing: $0
Insurance: $75.00
Car expenses: $30.00
Utilities: $0
Phone, cable, internet: $200
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $200
Other expenses: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512031
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $87.10
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1983 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Jun-2011) Inquiries last 6m: 5Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:13y 5m
Amount delinquent: $0 Total credit lines: 38 Occupation: Architect
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $128,489Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: No  
Screen name: responsibility-performer Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512055
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 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: Sep-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 6Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,408Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: eurobikermcdog 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
Consolidate student loans
Hi,

The purpose of this loan is to repay my student debt obligations. I owe the government several thousand dollars for my university education and I want to pay off the amount as quickly as possible.

I am a very good candidate for this loan because I have always repaid my loans and credit cards on time. My solid history of meeting my obligations positions me to fulfill this next loan with very little risk.

Monthly net income: $4,000
Monthly expenses: $1,100
Housing: $360
Insurance: $60
Car expenses: $160
Utilities: $0
Phone, cable, internet: $80
Food, entertainment: $140
Clothing, household expenses: $100
Credit cards and other loans: $100
Other expenses: $100

While I have my car for long-distance drives I am now biking almost everywhere, cooking all my own food, and saving wherever I can make sacrifices.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512135
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 14.70%  
Term: 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: Dec-1993 Debt/Income ratio: 39%
Credit score: 700-719 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 18Length of status:29y 3m
Amount delinquent: $0 Total credit lines: 44 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,348Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: undaunted-platinum9 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
Peer to peer borrower
Purpose of loan:
This loan will be used to...Pay off some debts

My financial situation:
I am a good candidate for this loan because I have been working for the United States Government for 29 years and I pay all of my bills on time.


Monthly net income: $7000
Monthly expenses: $4731
Housing: $2881
Insurance: $100
Car expenses: $100
Utilities: $300
Phone, cable, internet: $150
Food, entertainment: $300
Clothing, household expenses: $300
Credit cards and other loans: $600
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512195
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 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-1998 Debt/Income ratio: 34%
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 37 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,366Stated income:$25,000-$49,999
Delinquencies in last 7y: 19 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: social-majesty6 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
Debt Consolidation
Purpose of loan:
This loan will be used to get my financial situation under control.

My financial situation:
I am a good candidate for this loan because I have the focus and dedication to get myself out of debt. I just need a little financial help with not having to spread my money to multiple creditors and be able to focus on just one.


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 512207
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 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: Apr-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 3 Current / open credit lines: 4 / 4Length of status:7y 3m
Amount delinquent: $240 Total credit lines: 36 Occupation: Other
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $3,739Stated income:$25,000-$49,999
Delinquencies in last 7y: 22 Bankcard utilization: 20%  
   Homeownership: No  
Screen name: generosity-formula0 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Loan to Launch Curriculum
Purpose of loan:
This loan will be used to launch an online financial literacy program for my company targets.

My financial situation:
I am a good candidate for this loan because i have a large demand for this curriculum which is the outcome of my doctorate work. I just do not have the finishing funds to launch. I have spoken across the country and there is a demand for this unique program I have created. This loan would allow me to launch it in the way it deserves to be represented.


Monthly net income: $ 2750.00
Monthly expenses: $ 2250.00
Housing: $ 1500.00
Insurance: $100.00
Car expenses: $0
Utilities: $ included in rent
Phone, cable, internet: $100.00
Food, entertainment: $250
Clothing, household expenses: $50
Credit cards and other loans: $ 100.00
Other expenses: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512219
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 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-1992 Debt/Income ratio: Not calculated
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 27 / 25Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 89 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $38,983Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: extraordinary-income8 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
Acromegaly Medication
Purpose of loan:
This loan will be used to pay for a new medication until my insurance company finishes it's review on this newly approved medication by the FDA. My insurance company tells me it will be approved, they just have to conduct their review to make it official as an approved injectible, which they say takes 18 to 24 months.

My financial situation:
I am a good candidate for this loan because I have never declared bankruptcy, I have never been late on a payment, or have any adverse actions on my credit report. My wife and I both have strong incomes so pay this loan off will not be a problem at all! We have both checking and savings accounts.


Monthly net income: $3,800
Monthly expenses: $0.00
Housing: $950
Insurance: $135
Car expenses: $272
Utilities: $250
Phone, cable, internet: $140
Food, entertainment: $250
Clothing, household expenses: $200
Credit cards and other loans: $400
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512225
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $21,500.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.40% Borrower rate/APR: 11.40% / 13.52% Monthly payment: $707.96
 
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): 7 First credit line: Aug-1996 Debt/Income ratio: 18%
Credit score: 820-839 (Jun-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 9 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: efficient-point8 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Employee becoming business owner
Purpose of loan:
This loan will be used to finance a class 8 truck (a.k.a. semi-truck, big rig, etc.) and other related start-up costs associated with becoming an owner/operator.

My financial situation:
I am a good candidate for this loan because I have a business model that works. Here are some conservative figures based on my research and 6+ years of personal experience as a professional driver:

Assumptions:
-13,000 miles per month
-$1.42 per mile average revenue
-6 mpg average fuel mileage
-$4.00 per gallon fuel

Monthly figures:
+Gross revenue---$18,460
-Prosper payment---$710
-Fuel---$8,667
-Plates, permits, escrow (1st 4 months)---$589
-Com network---$17
-Maintenance fund---$1,300
-Major overhaul fund---$1,300
-Insurance---$377
-Salary (net)---$3,464
-Income taxes (est.)---$1,477
=Total expenses---$17,901
Gross revenue-Total expenses=Profit---$559

Also,I am currently debt-free except for my home.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512249
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 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: Sep-1998 Debt/Income ratio: 36%
Credit score: 600-619 (Jun-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 5 Current / open credit lines: 11 / 13Length of status:9y 11m
Amount delinquent: $3,428 Total credit lines: 49 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,441Stated income:$75,000-$99,999
Delinquencies in last 7y: 29 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: JPTMS07 Borrower's state: Georgia Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 26 ( 79% ) 600-619 (Latest)
Principal borrowed: $4,000.00< 31 days late: 7 ( 21% )  
620-639 (Jun-2008)
520-539 (Sep-2007)
520-539 (Aug-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
Growing my business!!!!
About Me: I am an educated professional with a BSBA and MBA. I earned both of my degrees while working full-time and being a single parent to 4 beautiful children 2 are in college and 2 in high school. I have a Tax business and in April of 2010 I was able to self finance the start up a Beauty Supply Business. I work full time and have received two promotions since I was here last.
Purpose of loan: This loan will be used as working capital for my business.
My financial situation: I am a good candidate for this loan because I still work fulltime and have two growing businesses that will enable me to repay this loan.

Monthly net income: $7905
Monthly expenses: $6841
Housing/building rent: $1065/500
Insurance (car & business): $500
Car expenses: $800
Utilities: home/business $400/400
Phone, cable, internet: home/business $200/176
Food, entertainment: $500
Clothing, household expenses: $300
Credit cards and other loans: $400
Other expenses (payroll): $1600
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512255
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.00%  
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): 5 First credit line: Jun-1994 Debt/Income ratio: Not calculated
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 1 / 1Length of status:7y 0m
Amount delinquent: $78 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,874Stated income:$1-$24,999
Delinquencies in last 7y: 4 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: TheGiant Borrower's state: Florida Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 25 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,200.00< 31 days late: 0 ( 0% )  
(Mar-2006)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Catch up Bills and pay off account
Purpose of loan:
Recently my roommate moved out, and bills got kind of out of hand, I want to get them caught up so I don't have to worry about whether I have electricity or not. Also I have an account that was recently closed that I am still obligated to pay off, would like to go ahead and get that completely closed.

I've had a Prosper loan once in the past, and was able to get it paid in less than the allowed time.

My financial situation:
Generally, my financial situation is ok, once the bills are all caught up I will have much less to deal with, and will be able to pay this loan off without too much trouble.


Monthly net income: about $1200 a month
Housing: $280
Utilities: $150-$170 electric about $45 for gas (but will be dropping)
Phone, cable, internet: $120
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512285
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,500.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $310.22
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: May-2000 Debt/Income ratio: 14%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 25 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: ZABIELSKI13 Borrower's state: Massachusetts 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.
Description
personal/business loan
Purpose of loan: Personal/Business
This loan will be used to...Pay some existing expenses and business star-up

My financial situation: United Bank
I am a good candidate for this loan because...I have steady employment from full and part time jobs. Also, I curently have only a mortgage to pay.


Monthly net income: $2100
Monthly expenses: $25
Housing: $1115
Insurance: $100
Car expenses: $50
Utilities: $
Phone, cable, internet: $20
Food, entertainment: $200
Clothing, household expenses: $0
Credit cards and other loans: $0

Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 511852
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,500.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $440.84
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1994 Debt/Income ratio: 17%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 9 / 8Length of status:0y 1m
Amount delinquent: $7,777 Total credit lines: 29 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,162Stated income:$100,000+
Delinquencies in last 7y: 8 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: fair-bill3 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Down Payment
Purpose of loan: Down Payment for new home

My financial situation: Very good. My current salary is plenty to meet the loan payments and I have significantly improved my credit standing over the last year or 2.


Monthly net income: $6200
Monthly expenses: $3154
Housing: $905
Insurance: $125
Car expenses: $660
Utilities: $120
Phone, cable, internet: $200
Food, entertainment: $700
Clothing, household expenses: $150
Credit cards and other loans: $150
Other expenses: $144
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 511906
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
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): 5 First credit line: Oct-1995 Debt/Income ratio: 68%
Credit score: 740-759 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:10y 5m
Amount delinquent: $0 Total credit lines: 51 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,049Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: No  
Screen name: the-pleasant-responsibility Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Website Upgrade
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512004
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
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): 6 First credit line: Jul-1998 Debt/Income ratio: 15%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 4 Current / open credit lines: 6 / 5Length of status:4y 2m
Amount delinquent: $37,753 Total credit lines: 42 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,058Stated income:$75,000-$99,999
Delinquencies in last 7y: 12 Bankcard utilization: 71%  
   Homeownership: Yes  
Screen name: catapult759 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
Path to be Debt Free
Purpose of loan:
This loan will be used to pay off a high-interest credit card and leverage this opportunity to get of debt.

The Default amount of 30k is inaccurate. I am in discussions with the purchaser of this debt as this was as part of the short-sale of my home in 2005.

I have held steady employment for the past 11 years as an IT Engineer. First 6 years were government contracting for General Dynamics and the past 4 years at current job.

Unfortunetly I had to foreclose on one home and short-sale another due to family obligations. I have been renting for the past 4 years with no issues.


Monthly net income: $5600
Monthly expenses: $400
Housing: $1600
Insurance: $ 300
Car expenses: $ 335 (I will pay off my 2nd car in July 2011 of this year)
Utilities: $ 200
Phone, cable, internet: $ 150 ($50; Internet paid by employer)
Food, entertainment: $200
Clothing, household expenses: $ 100
Credit cards and other loans: $ 800
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512028
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: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $70.30
 
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): 8 First credit line: Apr-1999 Debt/Income ratio: 5%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:11y 8m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $37,071Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: truth-searcher4 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
Jerry's home Improvement
Purpose of loan:
This loan will be used to...home improvement

My financial situation:
I am a good candidate for this loan because...My long history of ontime payment history and steady long-term employment


Monthly net income: $2120
Monthly expenses: $
Housing: $ 1080
Insurance: $ 70
Car expenses: $ 0
Utilities: $ 150
Phone, cable, internet: $ 100
Food, entertainment: $ 200
Clothing, household expenses: $ 40
Credit cards and other loans: $ 150
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512040
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 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: Nov-1997 Debt/Income ratio: Not calculated
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 37 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,884Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 64%  
   Homeownership: No  
Screen name: nee126 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
New Bathroom
I'm looking to repair and update my bathroom. It has not been changed since the 80s.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512052
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 2.60%  
Term: 36 months  
 
Lender yield: 9.29% Borrower rate/APR: 10.29% / 12.40% Monthly payment: $162.02
 
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-1993 Debt/Income ratio: 14%
Credit score: 720-739 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:8y 4m
Amount delinquent: $0 Total credit lines: 26 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 17 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: unrelenting-p2p4 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 6 ( 86% ) 720-739 (Latest)
Principal borrowed: $4,000.00< 31 days late: 1 ( 14% )  
640-659 (Oct-2010)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Everyone can make a difference!
Purpose of loan: I am seeking to buy a newer truck becuase I make extra income with my truck and my 1993 Ranger is about to retire.

I will buy the truck cash, so my insurance won't be overwhelming.

I rather give the oppurtunity to Prosper lenders since they help me last time.

My financial situation:

I am a good candidate for this loan because...my income
is between 29,500 and 35,500 yearly.

My Monthly Bills are:
Rent 450.00
Electricity 30.00
Cable 23.00
Cell 50.00
Truck Insurance 250 ( six months) paid in full
Entertainment & grocery 250.00
Gas 190.00

Hopefully we can make it happen, Thank you Lenders..
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512058
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 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: Nov-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Jun-2011) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:8y 3m
Amount delinquent: $15 Total credit lines: 17 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: legend011 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal Loan
Purpose of loan: Debt consolidation
This loan will be used to...pay debts

My financial situation: Good
I am a good candidate this loan because... i am also a NC State Certified Law Enforcement Officer that has several applications in, at various police officer jobs. my chances of getting a job are great.


Monthly net income: $4200
Monthly expenses: $75
Housing: $0
Insurance: $80
Car expenses: $334
Utilities: $85
Phone, cable, internet: $150
Food, entertainment: $400
Clothing, household expenses: $50
Credit cards and other loans: $900
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512186
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: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $70.30
 
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): 7 First credit line: Jun-2004 Debt/Income ratio: Not calculated
Credit score: 740-759 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 4 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: unflappable-velocity2 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
CA Bar Exam Loan
I am requesting a loan for the amount of $2,000.00 for the purpose of paying for my CA Bar Exam registration fees; tutoring; and supplemental study materials. The cost of the exam itself is $716; however, I still owe a relative $500 for helping me pay the registration fee last time I took the exam. Additionally, I am hoping to be able to purchase a variety of excellent supplemental materials as well as obtain tutoring, which will come out to roughly $800 more for a total of $2,000.00.

I have a Juris Doctorate from a respectable law school and have held the same job for my employer for almost four years as a part-time law clerk. I believe these funds will enable me to get over the infamous CA Bar Exam hurdle, and allow me to finally begin my career as a lawyer.

I currently do not have any monthly car, utilities, or housing payments as I live with my parents. Thank you!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512192
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 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): 3 First credit line: Oct-1994 Debt/Income ratio: Not calculated
Credit score: 600-619 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:14y 8m
Amount delinquent: $0 Total credit lines: 30 Occupation: Landscaping
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,196Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: win_with_jim Borrower's state: NewJersey Borrower's group: Preferred Professionals
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 / 3 On-time: 48 ( 100% ) 600-619 (Latest)
Principal borrowed: $8,575.00< 31 days late: 0 ( 0% )  
620-639 (Dec-2009)
640-659 (Jul-2008)
600-619 (Nov-2007)
600-619 (Oct-2007)
 
Principal balance: $1,121.48 31+ days late: 0 ( 0% )
Total payments billed: 48  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to...
Pay off some credit card bills, and consolidate debt to one easy payment.

My financial situation:
I am a good candidate for this loan because...
I have been in business for over 10 years, have steady income, and have always paid my bills.


Monthly net income: $6500
Monthly expenses: $3200
Housing: $1000
Insurance: $200
Car expenses: $180
Utilities: $250
Phone, cable, internet: $225
Food, entertainment: $280
Clothing, household expenses: $150
Credit cards and other loans: $560
Other expenses: $635
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512270
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $108.87
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-1986 Debt/Income ratio: 19%
Credit score: 720-739 (May-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 13Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 49 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $103,430Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: spirited-payment0 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal Loan
Purpose of loan: Misc items
This loan will be used to...We had some car problems need to pay off some car bills and misc bills.

My financial situation: My wife and I have a gross monthly income over $10,000.
I am a good candidate for this loan because...We are responsible and have always paid back our debts.


Monthly net income: $9,947
Monthly expenses: $7500
Housing: $ 2454.00
Insurance: $ 478.00
Car expenses: $ 386.00
Utilities: $400.
Phone, cable, internet: $150.
Food, entertainment: $1000.00
Clothing, household expenses: $100
Credit cards and other loans: $ 1750.00
Other expenses: $450
Information in the Description is not verified.