Listing Report:Supplement No. 35 dated Jul 13, 2011 to Prospectus dated Jun 23, 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 Jun 23, 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 Jun 23, 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 492356
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: Mar-1993 Debt/Income ratio: 48%
Credit score: 700-719 (Jun-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 10Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,791 
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: credit-performer 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 31 ( 97% ) 700-719 (Latest)
Principal borrowed: $2,000.00< 31 days late: 1 ( 3% )  
660-679 (Apr-2010)
680-699 (Sep-2008)
 
Principal balance: $32.15 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to consolidate debts

My financial situation:
I am a good candidate for this loan because I pay on time and money is automatically drafted from my account. I am working hard to get out of debt.


Monthly net income: 1300
Monthly expenses: 600
Housing: $300
Insurance: $25
Car expenses: paid for
Utilities: room mate pays
Phone, cable, internet: $89.00
Food, entertainment: room mate buys food
Clothing, household expenses: $0
Credit cards and other loans: $171.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513198
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $3,000 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $130.65
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 9.67%  
* 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: Apr-2001 Debt/Income ratio: 10%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 2 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: ready-contract624 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
motorcycle
Purpose of loan:
This loan will be used to...by motorcycle

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


Monthly net income: $
Monthly expenses: $
Housing: $508.68
Insurance: $92.75
Car expenses: $0
Utilities: $0
Phone, cable, internet: $304.96
Food, entertainment: $
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515928
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $265.33
 
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: Apr-2008 Debt/Income ratio: Not calculated
Credit score: 720-739 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $421Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: justice-proton1 Borrower's state: Kentucky 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
Employed College Student Needs New
Purpose: This loan will be used to buy a fuel-efficient car suitable to my new job demands. I've recently started a new job assisting children with autism. While I love this job, it requires a lot of driving on top of a long commute.

Financial situation: I've been continually employed since I was sixteen years old. I am now a behavior therapist, with two clients to start with. Because I've just started this job, I don't have much of a savings to contribute to a new car purchase.

I am a good candidate for this loan because: I have a very good credit score for someone my age. I've acquired that score from having credit cards and bills in my name from the age of sixteen that I have never missed payments for or paid late on.

Monthly net income: $900-1100
Monthly expenses: $400 (Including everything below.)
Housing: $0 (Student grants are paying for my housing.)
Car expenses: $50
Food, entertainment: $150
Clothing, household expenses: $100
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515970
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: A Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.40% Borrower rate/APR: 11.40% / 13.52% Monthly payment: $230.50
 
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-2000 Debt/Income ratio: 38%
Credit score: 760-779 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 41 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $23,675Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: Yes  
Screen name: trade-canary Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off high interest credit card
Purpose of loan:
This loan will be used to pay off a very high interest credit card.

My financial situation:
I am a good candidate for this loan because I have a stable position as a teacher and I'm focusing on a plan to pay off my debts.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516152
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*: 19.50%  
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*: 9.67%  
* 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-1997 Debt/Income ratio: 26%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 16 / 15Length of status:5y 2m
Amount delinquent: $55 Total credit lines: 51 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,567Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: No  
Screen name: ready-platinum675 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
Roof Repair
Purpose of loan:
Repair a portion of my roof that was damaged in a recent storm. I have contacted my home insurance policy and they will only cover half of the cost.

My financial situation:
I have a steady job and substantial income. I will be paying this loan off in its entirety late August of this year with a reimbursement from my place of work. However, I do not have enough to fund the repairs right now.


Monthly net income: $3,722
Monthly expenses (detailed below): $2,100
Housing: $540
Insurance: $42
Utilities: $128
Phone, cable, internet: $190
Food, entertainment: $700
Credit cards and other loans: $300
Miscellaneous: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516178
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: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $359.21
 
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): 7 First credit line: May-1971 Debt/Income ratio: 14%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 6Length of status:4y 5m
Amount delinquent: $7,862 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $20,693Stated income:$75,000-$99,999
Delinquencies in last 7y: 3 Bankcard utilization: 11%  
   Homeownership: Yes  
Screen name: shrewd-exchange9 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
Personal Loan Request
Purpose of loan:
This loan will be used to consolidate existing debt that is currently carried at very high interest rates.

My financial situation:
I am a good candidate for this loan because my husband have been employed full time with our current employers for more than four years. Steady employment combined with a strong work ethic and a desire to eliminate all personal debt make me a good candidate for this loan.

Monthly net income: $5,500
Monthly expenses:
Housing: $1,500
Insurance: $300
Car expenses: $250
Utilities: $200
Phone, cable, internet: $300
Food, entertainment: $800
Clothing, household expenses: $100
Credit cards and other loans: $1,500
Other expenses: $550
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516194
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.40% Borrower rate/APR: 11.40% / 13.52% Monthly payment: $329.28
 
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: Aug-1998 Debt/Income ratio: 9%
Credit score: 760-779 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 24 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $58,420Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: Yes  
Screen name: p2p-cargo 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
Debt consolidation
This loan will be used to pay off my high-interest credit card loans. I am a good candidate for this loan because I have never defaulted on any of my debt, and I have a steady, high paying job. I am not in any danger of falling behind on my credit card payments, but would like to lower the rate somewhat.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516212
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): 6 First credit line: Nov-2006 Debt/Income ratio: Not calculated
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 20 Occupation: Chemist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,087Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: truth-oasis9 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan for business
Purpose of loan:
This loan will be used to consolidate some of these bills we have everywhere so I can buy some business supplies.

My financial situation: I got just a little behind this month for the first time in my life due to some unforeseen circumstances
I am a good candidate for this loan because...This has never happened before and i always make my payments whatever it takes. I,m a veteran and an undying and responsibly sound patriot. If i can get this break its only a matter of time before ill be back on top. My business has a very quick turn around with a constant high demand. No matter what the money will be there, I don't see why i couldn't pay you back in a few months.


Monthly net income: $9850
Monthly expenses: $120
Housing: $0
Insurance: $100
Car expenses: $0
Utilities: $85
Phone, cable, internet: $19.99
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $300
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516218
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*: 19.50%  
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*: 9.67%  
* 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: Feb-1983 Debt/Income ratio: 58%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 40 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $54,202Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: ferocious-p2p9 Borrower's state: WestVirginia 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
lmrkks1
Purpose of loan:
This loan will be used to...

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


Monthly net income: $3900.00
Monthly expenses: $
Housing: $300.00
Insurance: $75.00
Car expenses: $400.00
Utilities: $80.00
Phone, cable, internet: $150.00
Food, entertainment: $225.00
Clothing, household expenses: $75.00
Credit cards and other loans: $800.00
Other expenses: $200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516220
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $3,000 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $130.65
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 9.67%  
* 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: Sep-2005 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 11 / 7Length of status:4y 3m
Amount delinquent: $80 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,521Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 29%  
   Homeownership: No  
Screen name: fund-den4 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
vacation
My financial situation:
I am a good candidate for this loan because...


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 516230
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 16.29% Monthly payment: $356.06
 
Lender servicing fee: 1.00% Effective Yield*: 13.85%  
Estimated return*: 10.05%  
* 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-1993 Debt/Income ratio: 18%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:6y 8m
Amount delinquent: $0 Total credit lines: 17 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,803Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: Yes  
Screen name: value-spartan538 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate several high interest credit cards.

My financial situation:
I am a gainfully employed software developer.

I am also a father and husband. I have been the sole earner in the household since my wife gave birth a year ago, and there is less money available to go towards paying down some credit card debt we've accumulated over the years.

While we have been able to meet our financial obligations, the reduction in income has meant that payments have often been the minimum required. I would like to have this debt paid off by the time my son goes to kindergarten, not college.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516232
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): 5 First credit line: Jul-1978 Debt/Income ratio: 10%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 6Length of status:18y 2m
Amount delinquent: $11,563 Total credit lines: 34 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,862Stated income:$75,000-$99,999
Delinquencies in last 7y: 6 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: return-engine3 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
MF
Purpose of loan:
This loan will be used to...By a bed, bed foundation and bed frame

My financial situation:
I am a good candidate for this loan because...I am expecting a large cash flow in December 2011, which will allow me to pay this off early. I also do not carry much revolving credit like this.


Monthly net income: $5000
Monthly expenses: $300
Housing: $1500
Insurance: $400
Car expenses: $250
Utilities: $200
Phone, cable, internet: $200
Food, entertainment: $600
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 516246
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $5,950 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $298.79
 
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: Feb-2007 Debt/Income ratio: 17%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 12 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,500Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: No  
Screen name: bid-leader5 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan: To pay off my high interest credit cards and consolidate my payments into one single, easy to do payment.


My financial situation:
I am a good candidate for this loan because I am employed full-time and I am fully capable of paying all my bills as is. I just to pay off all my credit card debt that has accumulated, pay a lower interest rate on it all and pay one single payment a month.


Monthly net income: $2,500/month
Rent: $975/month
Car Insurance: $180/month
Utilities: $50
Internet: $20
Credit cards and other loans: $8500

As you can see, I make enough to be paying the debt off, it is just scattered over multiple cards and the interest keeps accumulating - it would make my life a lot easier if I could consolidate it.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516250
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*: 19.50%  
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*: 9.67%  
* 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: Oct-1993 Debt/Income ratio: 15%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 2 Current / open credit lines: 5 / 5Length of status:0y 3m
Amount delinquent: $268 Total credit lines: 42 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,684Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: upright-exchange9 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
Move to a new place
Purpose of loan:
This loan will be used to...

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


Monthly net income: $3916
Monthly expenses: $1429
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 516258
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 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): 8 First credit line: Aug-1990 Debt/Income ratio: 33%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:19y 5m
Amount delinquent: $0 Total credit lines: 51 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $69,438Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: Yes  
Screen name: missile060 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
Long term employment!
Purpose of loan:
This loan will be used to...pay off some other debt.

My financial situation: Employed, excellent credit
I am a good candidate for this loan because...I have spotless credit


Monthly net income: $9385
Monthly expenses: $4000
Housing: $1200
Insurance: $165
Car expenses: $600
Utilities: $250
Phone, cable, internet: $180
Food, entertainment: $300
Clothing, household expenses: $150
Credit cards and other loans: $1100
Other expenses: $55
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516260
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 1.95%  
Term: 60 months  
 
Lender yield: 10.99% Borrower rate/APR: 11.99% / 12.21% Monthly payment: $555.98
 
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: Oct-1986 Debt/Income ratio: 6%
Credit score: 800-819 (Jul-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 17Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 52 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $247,387Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: goal-silver3 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
MG Request for Loan
Purpose of loan:
This loan will be used to help with the down payment on a new house.

My financial situation:
I am a good candidate for this loan because I can make payments and have a good and steady cash flow because I have additional sources of income (approx $3000/mo along with job salary) but just need the funds for a down payment. Due to the recession I no longer have equity in my current home. I will be able to repay the loan reliably; just need the immediate assistance now, and greatly appreciate your consideration. Thanks!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516266
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): 3 First credit line: Oct-1994 Debt/Income ratio: 21%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 6 Current / open credit lines: 12 / 10Length of status:0y 2m
Amount delinquent: $6,195 Total credit lines: 44 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 10 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: sivaram98 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 / 3 On-time: 51 ( 100% ) 680-699 (Latest)
Principal borrowed: $13,000.00< 31 days late: 0 ( 0% )  
680-699 (Jul-2010)
640-659 (May-2010)
660-679 (Dec-2007)
680-699 (Nov-2006)
 
Principal balance: $5,657.96 31+ days late: 0 ( 0% )
Total payments billed: 51  
Description
Debt consolidation loan
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516272
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: B Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 20.44% Monthly payment: $207.48
 
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): 9 First credit line: Feb-2000 Debt/Income ratio: 13%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:19y 2m
Amount delinquent: $0 Total credit lines: 21 Occupation: Construction
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,700Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: commerce-bloom5 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
timco operator
Purpose of loan:
This loan will be used to...to pay my debt and save money by consolidating reviewing my situation I will be saving myself over 300.00 dollars a month.

My financial situation:
I am a good candidate for this loan because...my situation so reflects on which the purpose of the loan is definately debt consolidation and I always pay my bills..Thanks Prosper and I Thank you for all your help.


Monthly net income: $3800
Monthly expenses: $2400
Housing: $1271.00
Insurance: $144
Car expenses: $
Utilities: $150
Phone, cable, internet: $88
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $500
Other expenses: 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516276
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: A Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.40% Borrower rate/APR: 11.40% / 13.52% Monthly payment: $131.71
 
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: Jul-1998 Debt/Income ratio: 2%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 7Length of status:1y 2m
Amount delinquent: $60 Total credit lines: 26 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $443Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: Yes  
Screen name: healthy-payment6 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
Consolidating some debt, upgrading
Purpose of loan:
Most of it will be for home office upgrades. New tower, couple monitors etc.

I may also purchase an upright bass.

My financial situation:
I am a good candidate for this loan because I have a good credit history.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512209
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: $5,100.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,570 Estimated loss*: 10.00%  
Term: 36 months  
 
Lender yield: 22.99% Borrower rate/APR: 23.99% / 27.47% Monthly payment: $200.06
 
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): 4 First credit line: Feb-2002 Debt/Income ratio: 22%
Credit score: 700-719 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:6y 6m
Amount delinquent: $0 Total credit lines: 18 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,790Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: live-life 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 80% ) 700-719 (Latest)
Principal borrowed: $7,000.00< 31 days late: 3 ( 20% )  
680-699 (Mar-2010)
680-699 (Oct-2009)
 
Principal balance: $4,759.04 31+ days late: 0 ( 0% )
Total payments billed: 15  
Description
CONSOLIDATING HIGH INTEREST DEBT !!
Purpose of loan:
PAY OFF TWO HIGH RATE INTREST CREDIT CARDS I HAVE BEEN BACK AND FORTH WITH MY CREDIT CARDS TRYING TO UNDERSTAND WHY THEY RAISED MY INTREST RATES EVEN THROUGHT I HAVE NEVER BEEN LATE OR MISSED A PAYMENT WITH THEM. AND WAS TOLD IF I DIDN'T AGREE WITH THE TEARMS I COULD CANCEL THE CARDS AND PAY THEM OFF! SO THATS JUST WHAT I PLAN ON DOING .

My financial situation:
I am a good candidate for this loan because?
I HAVE A GOOD SOLID JOB AS A DELIVERY TRUCK DRIVER ,
I HAVE MINIMUM HOUSING EXPENSE BECAUSE I STILL LIVE AT HOME
AND MY CAR IS PAID OFF.

Monthly net income: $
$2,404.00
Monthly expenses: $
Housing: $150
Insurance: $ 134.00
Car expenses/gas: $ 100.00
Utilities: $150.00
Phone, cable, internet: $70.00
Food, entertainment: $100.00
Clothing, household expenses $150.00
Credit cards and other loans: $550.00
Other expenses: $50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515397
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: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $489.83
 
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): 5 First credit line: Jul-1985 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:21y 6m
Amount delinquent: $0 Total credit lines: 23 Occupation: Pharmacist
Public records last 12m / 10y: 0/ 4 Revolving credit balance: $36,598Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: trade-prescription1 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
LOAN
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515639
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: Jan-1994 Debt/Income ratio: Not calculated
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 14Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $627 
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: famous-benjamins1 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
famous-benjamins1
Purpose of loan:
This loan will be used to...Consolidate dept

My financial situation: good
I am a good candidate for this loan because...I am dependable, reliable & responsible.


Monthly net income: $2000.
Monthly expenses: $ 100.00
Housing: $ 631.07
Insurance: $ 120.57
Car expenses: 000.00
Utilities: $ 58.
Phone, cable, internet: $ 39.04
Food, entertainment: $ 100.00
Clothing, household expenses: $ 00.00
Credit cards and other loans: $ 4,500
Other expenses: $ 00.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515671
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): 6 First credit line: Mar-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:6y 0m
Amount delinquent: $0 Total credit lines: 16 Occupation: Tradesman - Plumber
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,207Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 52%  
   Homeownership: No  
Screen name: a-agile-penny 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
Bike
Purpose of loan: To build my credit
This loan will be used to...
purchase a Motorcycle
My financial situation: Strong.
I am a good candidate for this loan because...I have the capital to purchase the Motorcycle outright but want to build my credit

Monthly net income: $3000-3500
Monthly expenses: $
Housing: $0 I own my house
Insurance: $$175 includes house, auto , and business
Car expenses: $250 for fuel and up-keep
Utilities: $400
Phone, cable, internet: $150
Food, entertainment: $350
Clothing, household expenses: $100
Credit cards and other loans: $250
Other expenses: $50 gym membership
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516007
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $108.87
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 9.67%  
* 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-2002 Debt/Income ratio: 7%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 2 Current / open credit lines: 5 / 5Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 9 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $351Stated income:$25,000-$49,999
Delinquencies in last 7y: 40 Bankcard utilization: 86%  
   Homeownership: No  
Screen name: MyLuckyDay 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
A Fresh Start
Purpose of loan: Consolodate the miscelaneous small debts on my creditcards into one payment.

This loan will be used to... pay off credit cards and purchase a ticket for my child to meet a relative in South Carolina during the summer break.
My financial situation: Employed full time. I'm working to make ends meet, as most americans are, too. Not related to the need for this loan, I'm a full time student as well. Injust over two years I will be able to make a signifigant change in my income , thus improving my financial status.
I am a good candidate for this loan because... I am responsibe. I have researched my options and I am not requesting an ammount that will put me in over my head. I will be able to pay this off much sooner than in the 3 years allowed.

Monthly net income: $ 2732.80

Housing: $1,150.00
Insurance: $0.00
Car expenses: $0.00
Utilities: $25.00
Phone, cable, internet: $38.00
Food: $100.00
Credit cards and other loans: $50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516187
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*: 19.50%  
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*: 9.67%  
* 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-1986 Debt/Income ratio: 41%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 16 / 7Length of status:3y 11m
Amount delinquent: $3,052 Total credit lines: 46 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,228Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 62%  
   Homeownership: Yes  
Screen name: thoughtful-auction38 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Help us save home
Purpose of loan: We fell behind 1 month on house payment and having difficulty catching up with a family of 6. A small payment would help rather than the whole payment at once. All others bills are current.

My financial situation:
I am a good candidate for this loan because we pay all our bills. We had been using some payday loans and want to get out of that rut and just get caught up one final time. Income is almost $50,000 in addition to spouse.

Monthly net income: $9500 family
Monthly expenses: $7500
Housing: 2600
Insurance: $340
Car expenses: $982
Utilities: $196
Phone, cable, internet: $300
Food, entertainment: $1600
Clothing, household expenses: $150
Credit cards and other loans: $764
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516215
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $25,000 Estimated loss*: 1.95%  
Term: 36 months  
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 9.33% Monthly payment: $794.88
 
Lender servicing fee: 1.00% Effective Yield*: 7.99%  
Estimated return*: 6.04%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: May-1987 Debt/Income ratio: 17%
Credit score: 800-819 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:11y 10m
Amount delinquent: $0 Total credit lines: 23 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,080Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: No  
Screen name: handy-dime4 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
Mr
Purpose of loan:
This loan will be used to miscellaneous purposes.

My financial situation:
I am a good candidate for this loan because I have a good job and income and asset.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516217
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 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): 8 First credit line: Jan-1997 Debt/Income ratio: 16%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:19y 3m
Amount delinquent: $1,255 Total credit lines: 15 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,163Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: No  
Screen name: dinero-silo Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
RECORDS SUPERVISOR
Purpose of loan:
This loan will be used to... PURCHASE A HOME

My financial situation:
I am a good candidate for this loan because... I WILL PAY IT OFF, I AM TRYING TO BUILD MY CREDIT BACK UP


Monthly net income: $16000.00
Monthly expenses: $
Housing: $150.00
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $50.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516221
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $108.87
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 9.67%  
* 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: Jul-1998 Debt/Income ratio: 28%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:5y 10m
Amount delinquent: $40 Total credit lines: 23 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $835Stated income:$50,000-$74,999
Delinquencies in last 7y: 10 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: elevated-capital540 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
Personal Loan
Purpose of loan: Personal
This loan will be used to...pay down some bills & some home inprovements

My financial situation:Good
I am a good candidate for this loan because...
I will pay each & every month on time for 36 months

Monthly net income: $55,500.00
Monthly expenses: $2100
Housing: $475
Insurance: $135
Car expenses: $600
Utilities: $250
Phone, cable, internet: $140
Food, entertainment: $300
Clothing, household expenses: $50
Credit cards and other loans: $75
Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516223
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: A Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 2.60%  
Term: 36 months  
 
Lender yield: 9.29% Borrower rate/APR: 10.29% / 12.40% Monthly payment: $129.61
 
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-2006 Debt/Income ratio: 17%
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:4y 11m
Amount delinquent: $0 Total credit lines: 9 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $488Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: capital-brigade400 Borrower's state: Missouri 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 / 3 On-time: 38 ( 100% ) 700-719 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
720-739 (Aug-2010)
700-719 (Jun-2010)
720-739 (Nov-2009)
700-719 (Sep-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 38  
Description
Debt Help
Purpose of loan:
This loan will be used to...Pay off unexpected expensives

My financial situation:
I am a good candidate for this loan because... I have not been late on any payment in 10+ years. I have had three prosper loans in the past and have paid them off early.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516233
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: B Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $421.83
 
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: Apr-1996 Debt/Income ratio: 15%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:6y 9m
Amount delinquent: $3,905 Total credit lines: 8 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,025Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: Yes  
Screen name: orb866 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
Pay bill
Purpose of loan:
This loan will be used to...

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


Monthly net income: $3300
Monthly expenses: $500
Housing: $1200
Insurance: $120
Car expenses: $0
Utilities: $300
Phone, internet: 50
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $100
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516239
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*: 19.50%  
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*: 9.67%  
* 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: Dec-1999 Debt/Income ratio: 45%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 25 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $97,653Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: capital-opera9 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 Debt
Purpose of loan: To consolidate debt and payoff higher rate loan


My financial situation:
I am a good candidate for this loan because I have never missed or been late on any payment. This loan's monthly payment will reduce my overall monthly debt payments.


Monthly net income: $4,000
Monthly expenses: $3,544
Housing: $ 860
Insurance: $ 164
Car expenses: $480
Utilities: $210
Phone, cable, internet: $160
Food, entertainment: $520
Clothing, household expenses: $140
Credit cards and other loans: $900
Other expenses: $ 110
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516245
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*: 19.50%  
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*: 9.67%  
* 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: Jun-2006 Debt/Income ratio: Not calculated
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:2y 1m
Amount delinquent: $120 Total credit lines: 4Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $906 
Delinquencies in last 7y: 3 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: sincere-peso6 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Lilchpin
Purpose of loan:
This loan will be used to establish my online business.

My financial situation:
I am a good candidate for this loan because I keep my commitments to those who deal with me fairly. The only reason I have any negatives in my credit file have been unscrupulous venders I have had the misfortune of dealing with.


Monthly net income: $2000
Monthly expenses: $
Housing: $450
Insurance: $350
Car expenses: $50
Utilities: $25
Phone, cable, internet: $170
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $1700
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516247
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: $18,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $12,600 Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 16.29% Monthly payment: $427.27
 
Lender servicing fee: 1.00% Effective Yield*: 13.85%  
Estimated return*: 10.05%  
* 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-1990 Debt/Income ratio: 54%
Credit score: 780-799 (Jul-2011) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:9y 3m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,321Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: elegant-revenue4 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
TIME TO HELP FAMILY AND CONSOLIDATE
Purpose of loan:
This loan will be used to pay off a few bills, help out a family member and have my nice vehicles refurbished by private parties that dont accept my credit cards...thanks

My financial situation:
I am a great candidate for this loan because I have no other debt to speak of, HAVE NEVER BEEN LATE ON ANY LOAN in my life and will repay very timely and have a steady retirement situation....
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516251
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $351.52
 
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: Oct-1984 Debt/Income ratio: 9%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 10 Current / open credit lines: 6 / 6Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 66 Occupation: Attorney
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,824Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: generosity-mole6 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
People Who Need People
Purpose of loan: Finalize Patent
This loan will be used to...Finalize my provisional patent and pay off expenses accumulated from my daughter's wedding.

My financial situation: Fair. I declared bankruptcy in May 2007 because I trusted a "friend" but was able to discharge in December 2010. Throughout the bankruptcy I paid my two car loans, my rent and American Express bills on time. It was a humbling experience.
I am a good candidate for this loan because...I want to buy a house and my good credit is the only way I will get one. I have a good job that I love and I make good money. I will pay back this loan.


Monthly net income: $8473
Monthly expenses: $300
Housing: $995
Insurance: $300
Car expenses: $1000
Utilities: $150
Phone, cable, internet: $200
Food, entertainment: $500
Clothing, household expenses: $500
Credit cards and other loans: $1000
Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516263
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: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $489.83
 
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: Jan-1997 Debt/Income ratio: 31%
Credit score: 760-779 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:22y 2m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,118Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: No  
Screen name: fund-ballet8 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
jeffs debts
Purpose of loan: pay off credit cards
This loan will be used to...
Pay off credit cards and other personal debts
My financial situation: good I own my on home
I am a good candidate for this loan because...
I've worked for a county government for 23 years paid my house off recently.

Monthly net income: $3600.00
Monthly expenses: $2275.00
Housing: $0.00
Insurance: $75.00
Car expenses: $100.00
Utilities: $400.00
Phone, cable, internet: $150.00
Food, entertainment: $500.00
Clothing, household expenses: $250.00
Credit cards and other loans: $800.00
Other expenses: $0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516273
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: A Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.40% Borrower rate/APR: 11.40% / 13.52% Monthly payment: $131.71
 
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): 8 First credit line: Jul-1981 Debt/Income ratio: Not calculated
Credit score: 800-819 (Jul-2011) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:15y 2m
Amount delinquent: $0 Total credit lines: 30Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,094 
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: No  
Screen name: yield-raker 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
Loan needed/ LS
Purpose of loan:
This loan will be used to...
Assist my son with rent needs and personal vacation use

My financial situation:
I am a good candidate for this loan because...
My credit has always been substantial and I hold high standards when it comesto borrowing of any sort.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516275
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: $5,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $224.51
 
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: Jun-2004 Debt/Income ratio: 639%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 12 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,408Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: bewitching-order6 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
Please Help my Families in Vietnam
I would like to ask kindly gentlement help my families in Vietnam right now they have no place to live. Because on May 28th 2011 that day was the day very sadness for my families their home was destroyed and wipe off everything from big tornado and mud slide. Right now my families have to lived temporary under the bridge day by day. I understand how hard and very tough life in Vietnam I try everything I can to help them, as you can see I never borrow or ask anything like this before only urgent situation to help my families. Please try to understand with my second language if I said any mistakes please forgive me and I wish the best to all. Please help me and my families as soon as possible.
Thanks and Best Regards,
Thank you very much with all your help.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516285
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: B Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 20.44% Monthly payment: $207.48
 
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: Dec-2000 Debt/Income ratio: 3%
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $900Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: first-class-penny6 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
warehouman
Purpose of loan:
This loan will be used to...to fix car,fix family home

My financial situation: compass bank
I am a good candidate for this loan because...this money will be payed back on time or before


Monthly net income: $6000
Monthly expenses: $120 car insurence
Housing: none i work over seas
Insurance: $15.00 medical insurance
Car expenses: $500 ever 3 to 4 months
Utilities: $none
Phone, cable, internet: $Food, entertainment: $150 Clothing, household expenses: $300 ever 3 to 4 months

Credit cards and other loans: Credit card $3000 loan1000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516303
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: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $489.83
 
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): 5 First credit line: Apr-1992 Debt/Income ratio: 32%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 18 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,506Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: established-duty9 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
Bakery Loan
Purpose of loan:
This loan will be used to...Start a bakery/deli. I have had 15 years previous bakery experience and currently a general manager with a national fast food resturant.

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


Monthly net income: $1147 bi weekly
husband's income 1700 per month
Monthly expenses: $
Housing: $786
Insurance: $123
Car expenses: $100
Utilities: $350
Phone, cable, internet: $300
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $250
Other expenses: $
Information in the Description is not verified.