Listing Report:Supplement No. 27 dated Jul 30, 2011 to Prospectus dated Jul 14, 2011
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Listing Report supplements the prospectus dated Jul 14, 2011 and provides information about each loan request (referred to as a "listing") and series of Borrower Payment Dependent Notes (the "Notes") we are currently offering. Prospective investors should read this Listing Report supplement together with the prospectus dated Jul 14, 2011 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
The following series of Notes are currently being offered:
Borrower Payment Dependent Notes Series 490217
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: C Listing Duration: 14 days
Estimated loss*: 6.10%  
Term: 60 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 24.25% Monthly payment: $414.20
 
Lender servicing fee: 1.00% Effective Yield*: 20.50%  
Estimated return*: 14.40%  
* 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-1996 Debt/Income ratio: 31%
Credit score: 820-839 (Jul-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 39 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,620Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: Yes  
Screen name: mangas Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 5 ( 100% ) 820-839 (Latest)
Principal borrowed: $4,500.00< 31 days late: 0 ( 0% )  
840-859 (Jan-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 5  
Description
Debt Consolidation for 1 Mthly Pmt
Purpose of loan:
This loan will be used to consolidate a couple of smaller loans (car and CC) into one monthly payment.

My financial situation:
I am a good candidate for this loan because I am a hard worker. I have a good job with the prospect of a promotion and accompanying raise in the next 6-12 months. I have never defaulted or missed a payment on any of my debts.


Monthly net income: $7,200
Monthly expenses: $
Housing: $2,670
Insurance: $150
Car expenses: $300 (replaced with this loan)
Utilities: $150
Phone, cable, internet: $100
Food, entertainment: $350
Clothing, household expenses: $500
Credit cards and other loans: $1000 (mostly student loans from grad school)
Other expenses: $720 (Tithing)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495809
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: $5,200.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 2.60%  
Term: 36 months  
 
Lender yield: 9.29% Borrower rate/APR: 10.29% / 12.40% Monthly payment: $168.50
 
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: Oct-1990 Debt/Income ratio: 11%
Credit score: 720-739 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 25 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,326Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: Horatio Borrower's state: Maryland Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 3 On-time: 30 ( 100% ) 720-739 (Latest)
Principal borrowed: $21,700.00< 31 days late: 0 ( 0% )  
700-719 (Jul-2009)
700-719 (Dec-2007)
720-739 (Feb-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Putting in a deck
Purpose of loan:
This loan will be used to...

My financial situation:
This is my fourth Prosper loan. All loans have been paid in full in under three years and a payment has never been late.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 518761
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
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: Aug-1991 Debt/Income ratio: 13%
Credit score: 800-819 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 8 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $428Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: robust-duty2 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
Business use
Purpose of loan:
This loan will be used to...Business

My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 518797
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $612.30
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Feb-2003 Debt/Income ratio: 21%
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:6y 5m
Amount delinquent: $0 Total credit lines: 17 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $559Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: No  
Screen name: p2p-cocktail Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Let's GO
Purpose of loan: Expanding side business
This loan will be used to...purchase licensing agreement, marketing campaign and equipment for additional upgrades

My financial situation: very stable
I am a good candidate for this loan because...I have a solid work history, I own my home, we have paid off over $177,000 in debt in the past 3 1/2 years with NO late payments, so that now my TOTAL debt equals only $13,794 which includes my vehicle, a home improvement loan and a small credit card. I presently have $4370 in savings. The difference between my monthly net income and expenses is $1666, which leaves plenty of room to pay this monthly loan payment.


Monthly net income: $4284
Monthly expenses: $2618
Housing: $0
Insurance: $210
Car expenses: $587
Utilities: $320
Phone, cable, internet: $189
Food, entertainment: $760
Clothing, household expenses: $150
Credit cards and other loans: $310
Other expenses: $92
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 518809
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
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $289.18
 
Lender servicing fee: 1.00% Effective Yield*: 16.69%  
Estimated return*: 10.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jan-1996 Debt/Income ratio: 10%
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 17 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,970Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: inspiring-revenue0 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
Enagagment Ring Purchase
Purpose of loan:
This loan will be used to purchase a diamond engagement ring for my girlfriend of two years. The diamond will be a 1.25 carat F/VS1 diamond (GIA), with platinum setting. I have about half saved in a savings account, but since we're aiming for a summer wedding next year (requiring a ring on her finger soon) and diamonds prices are up 40% YTD, it looks like I'll need to finance a portion of the purchase.


My financial situation:
I am a good candidate for this loan because I have a very stable job at a Fortune 100 Company that is doing very well again this year. I'm in an IT role in a department where the average tenure is about 15 years.
My current rating includes a high utilization rate on my cards, as I had just come back from a two week vacation at the close of my last cycles. Over 50% of that balance was paid this week.
Monthly net income: $5,100+ (after a 7% 401 contribution)

Following the wedding, my personal expenses will be cut ~$1800.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 518815
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $612.30
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jan-1957 Debt/Income ratio: Not calculated
Credit score: 760-779 (Jul-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:7y 6m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,238Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: No  
Screen name: astute-yield531 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
Interim Loan: Humanitarian Research
I am a board member of a humanitarian research non-profit (in which my daughter is one of the principals) which works with several international institutions and an ivy league university on research dealing with vulnerable communities post-conflict.

The research is also relevant to post-conflict trauma and PTSD which affects war veterans.

As a board member, I would like to personally help in whatever way I can, which includes seeking this loan on the organization's behalf. We recently had a donor who had to drop out because of the economic climate, and we have another set to take his place, but it will take some time before he can come on board. Because the research is so important, I wanted to help to keep things going until the new donor is able to provide funding.

I am an excellent risk; I have excellent credit, which includes in my retirement. I hope you will help me/us to continue this important work.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 518973
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 13.00%  
Term: 36 months  
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $193.48
 
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): 7 First credit line: Aug-1991 Debt/Income ratio: 37%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 35 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $39,272Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: dedicated-responsibility1 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 10 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,100.00< 31 days late: 0 ( 0% )  
680-699 (Jul-2010)
680-699 (Jun-2010)
700-719 (Feb-2010)
 
Principal balance: $0.42 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Fix a pothole in Life's road
Purpose of loan: Debt consolidation
This loan will be used to...repay credit used during a family challenge when on leave & I was not paid.

My financial situation: stable & improving
I am a good candidate for this loan because...I have a good FICO & have been a Prosper loan receipient in 2010. I was able to repay the loan before scheduled end date.


Monthly net income: $3300
Monthly expenses: $153
Housing: $340
Insurance: $124
Car expenses: $318 (for fuel & maint., no car note)
Utilities: $
Phone, cable, internet: $118
Food, entertainment: $160
Clothing, household expenses: $24
Credit cards and other loans: $949
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519003
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: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $180.74
 
Lender servicing fee: 1.00% Effective Yield*: 16.69%  
Estimated return*: 10.74%  
* 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-2002 Debt/Income ratio: Not calculated
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,602Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: orbital-truth4 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
Purpose of loan:
This loan will be used to...
Consolidate my debt. I have 3 separate cards I am paying on and would like to just make it one payment a month through this loan.
My financial situation:
I am a good candidate for this loan because I have always been able to pay my bills on time as I will with this.. My credit score is in good standing.


Monthly net income: $1800 (2 jobs: Part time at best buy and subbing)
Monthly expenses:
Housing: $0.00 (live with my brother and don't pay rent yet but contribute when I can)
Insurance: $130 (monthly car insurance)
Car expenses: $0.00 (parents are currently making payments right now)
Utilities: $0.00 (Brother)
Phone, cable, internet: $0.00
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses:
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519015
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 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: Apr-2006 Debt/Income ratio: 8%
Credit score: 720-739 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 2 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $503Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: Yes  
Screen name: transaction-mushroom4 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
Marketing/Sales officer
Purpose of loan: To invest in an oil company
This loan will be used to... Secure my shares/percentage in the profit from the brokers/agents.

My financial situation: My car is paid off and i own a house with never any late payment on my mortgage payment.
I am a good candidate for this loan because... My credit is very good and i have a constant track record of always paying my bills on time.


Monthly net income: $3500
Monthly expenses: $600
Housing: $275
Insurance: $105
Car expenses: $45
Utilities: $35
Phone, cable, internet: $10
Food, entertainment: $100
Clothing, household expenses: $55
Credit cards and other loans: $18
Other expenses: $80
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519021
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: $23,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 16.29% Monthly payment: $545.96
 
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): 8 First credit line: Jun-1986 Debt/Income ratio: 48%
Credit score: 780-799 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 18Length of status:22y 2m
Amount delinquent: $0 Total credit lines: 36 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,687Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: Yes  
Screen name: rupee-pillow Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
PinheadLoan
Purpose of loan:
This loan will be used to...pay off loan and credit card in order to allow access to 401K money to pay off rest of debt.

My financial situation:
I am a good candidate for this loan because...I have excellent credit payment history, having never been late or missed any payment on any account. I am responsible for my debt and will do whatever I need to do to ensure my credit remains in good standing.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519027
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
Estimated loss*: 2.60%  
Term: 36 months  
 
Lender yield: 9.29% Borrower rate/APR: 10.29% / 12.40% Monthly payment: $583.26
 
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): 10 First credit line: Apr-1983 Debt/Income ratio: 15%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 20Length of status:16y 10m
Amount delinquent: $0 Total credit lines: 42 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $87,513Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: tourguide Borrower's state: NorthCarolina Borrower's group: Debt Consolidators
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: 88 ( 100% ) 740-759 (Latest)
Principal borrowed: $32,600.00< 31 days late: 0 ( 0% )  
700-719 (Nov-2009)
680-699 (Jan-2008)
700-719 (Nov-2006)
 
Principal balance: $6,893.27 31+ days late: 0 ( 0% )
Total payments billed: 88  
Description
Consolidation - Wedding
My daughter is getting married next spring. I want to consolidate some loans & credit cards. Also need to make some home improvements before the wedding.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519101
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: E Listing Duration: 14 days
Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $239.52
 
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: Jun-1996 Debt/Income ratio: 9%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 2 / 2Length of status:11y 6m
Amount delinquent: $790 Total credit lines: 13 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $279Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: forceful-funds6 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate debt

My financial situation:
I am a good candidate for this loan because I pay my bills on time and I am a good person. This loan would really help me save money on payments by consolidating a few bills.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519107
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 13.00%  
Term: 36 months  
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $300.97
 
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): 5 First credit line: Aug-1982 Debt/Income ratio: Not calculated
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 56 Occupation: Professor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,953Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 72%  
   Homeownership: Yes  
Screen name: soulful-fairness Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
720-739 (Mar-2010)
 
Principal balance: $949.16 31+ days late: 0 ( 0% )
Total payments billed: 15  
Description
Custody Battle
Purpose of loan:
This loan will be used to...pay a retainer for a custody attorney.

My financial situation:
I am a good candidate for this loan because...I have prior Prosper loans and have NEVER paid late. My husband and I have good incomes as college professors.


Monthly net income: $5000
Monthly expenses: $3020
Housing: $1300
Insurance: $210
Car expenses: $60
Utilities: $175
Phone, cable, internet: $400
Food, entertainment: $175
Clothing, household expenses: $100
Credit cards and other loans: $150
Other expenses: $450
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 518588
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.20%  
Term: 12 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 34.11% Monthly payment: $190.08
 
Lender servicing fee: 1.00% Effective Yield*: 23.40%  
Estimated return*: 12.20%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Apr-2005 Debt/Income ratio: Not calculated
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 3Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 14Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,535 
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: well-rounded-market0 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
My personal loan
Purpose of loan:
This loan will be used to build my credit.

My financial situation:
I am a good candidate for this loan because I always pay my bills on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 518716
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: $2,200.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $95.81
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1996 Debt/Income ratio: 24%
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 27 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,933Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: Yes  
Screen name: Beaker311 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
Patio Pavers
Purpose of loan: Patio Paver Install
This loan will be used to...
Install patio pavers at my condo
My financial situation: First Tech Federal Credit Union
I am a good candidate for this loan because...
I'm current on all my bills and always have been. I need the money to pay for the rest of my patio remodel. I plan on paying off the loan in 1-2 years making extra princepal payments.

Monthly net income: $3400
Monthly expenses: $3000
Housing: $1150
Insurance: $200
Car expenses: $100
Utilities: $150
Phone, cable, internet: $150
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $700
Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 518722
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: D Listing Duration: 14 days
Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $306.15
 
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: Jun-1986 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 22 / 21Length of status:26y 4m
Amount delinquent: $0 Total credit lines: 53 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $393,779Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: the-safe-value Borrower's state: NewHampshire 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
July2011
Purpose of loan: Home Expense
This loan will be used to... fix bath/shower problem

My financial situation: good
I am a good candidate for this loan because... I pay my bills on time always.


Monthly net income: $3500
Monthly expenses: $2349
Housing: $0
Insurance: $0
Car expenses: $349
Utilities: $300
Phone, cable, internet: $150
Food, entertainment: $250
Clothing, household expenses: $300
Credit cards and other loans: $500
Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 518758
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: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $180.74
 
Lender servicing fee: 1.00% Effective Yield*: 16.69%  
Estimated return*: 10.74%  
* 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-1988 Debt/Income ratio: 4%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 4 Current / open credit lines: 4 / 2Length of status:6y 2m
Amount delinquent: $13,307 Total credit lines: 13 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $946Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: ingenious-credit0 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
truck driver
Purpose of loan:
This loan will be used to...help with a down payment on a house

My financial situation:
I am a good candidate for this loan because... i want to bring up my credit scores


Monthly net income: $3200
Monthly expenses: $
Housing: $625
Insurance: $125
Car expenses: $150
Utilities: $200
Phone, cable, internet: $150
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $335
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 518764
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: $5,400.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $220.43
 
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: Sep-1987 Debt/Income ratio: 9%
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 4Employment status:Other
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:24y 10m
Amount delinquent: $0 Total credit lines: 57 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,619Stated income:$100,000+
Delinquencies in last 7y: 8 Bankcard utilization: 42%  
   Homeownership: No  
Screen name: newest-entertaining-ore 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
Army Veteran buying home for family
Purpose of loan:
This loan will be used to... Deposit for home for my family, And pay small medical bill.


My financial situation:
I am a good candidate for this loan because, I have fixed Military retirement income, with other pensions.. Very low debt to income ratio.. I will repay my debt, Rest assured It is my word to you. I appreciate your kind consideration of this loan.

I thank you for trusting me to defend our great country.. I now ask you to trust me for this loan.. I have the means, And income that will allow me to meet my debt obligations for the rest of my life.

With warm regards,



Monthly net income: $7400.00 (tax free)
Monthly expenses: $460.00
Housing: $1495.00
Insurance: $67.00
Car expenses: $ 85.00
Utilities: $325.00
Phone, cable, internet: $88.00
Food, entertainment: $410.00
Clothing, household expenses: $125.00
Credit cards and other loans: $744.00
Other expenses: $80.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 518788
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,500.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 20.44% Monthly payment: $220.45
 
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: Sep-1988 Debt/Income ratio: 2%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 6Length of status:3y 5m
Amount delinquent: $609 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,234Stated income:$100,000+
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: gold-tremolo6 Borrower's state: RhodeIsland 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
Bill Consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2600.00
Monthly expenses: $960.0
Housing: $240.00 Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $120
Food, entertainment: $120
Clothing, household expenses: $150
Credit cards and other loans: $215
Other expenses: $115.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 518794
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,500.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 16.29% Monthly payment: $486.62
 
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: May-1996 Debt/Income ratio: 20%
Credit score: 780-799 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 23 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,882Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: thrilling-reward984 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation-please :)
Purpose of loan: credit card debt consolidation
This loan will be used to...pay off credit card debt, be FREE from paying credit card interest.

My financial situation: My wife and I make good money. We have 2 small boys and would have so much more money if we did not have this credit card debt. Once this consolidation loan is paid off ...we will never have to use a credit card -AGAIN.

I am a good candidate for this loan because...we *ARE* responsible people. we will be able to pay MORE than the required monthly repayment. We work hard to pay our monthly debts now. We will work just as hard to pay off this consolidation before the 5 yrs is up. Thank you for your consideration. We have GREAT credit, as you can tell from our credit score.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 518812
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.00%  
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): 3 First credit line: Aug-1999 Debt/Income ratio: 48%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,583Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 101%  
   Homeownership: No  
Screen name: first-agile-loan 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: 14 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
700-719 (May-2010)
700-719 (Dec-2009)
 
Principal balance: $642.08 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
Getting Rid of All the Plastic
Purpose of loan:
I want to rid myself of all my credit cards, I'm tired of paying on these and never getting anywhere and this will allow me to consolidate them into one bill, and pay them off so much faster than the 20 plus years it would take me without this loan.

My financial situation:
I am a good candidate for this loan because I work full time as an accountant, I always pay my bills on time and have never missed a payment.


Monthly net income: $35,525
Monthly expenses:
Housing: $ 465
Insurance: $ 85
Car expenses: $ 434.19 (almost paid for only 11 payments left)
Utilities: $ 150
Phone, cable, internet: $ 100
Food, entertainment: $ 200
Clothing, household expenses: $ 50
Credit cards and other loans: $ 100
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 518958
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $542.21
 
Lender servicing fee: 1.00% Effective Yield*: 16.69%  
Estimated return*: 10.74%  
* 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: May-1995 Debt/Income ratio: 13%
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 1Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 61 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $414Stated income:$50,000-$74,999
Delinquencies in last 7y: 35 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: penny-medalist 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
Medical Procedure
Purpose of loan: Medical
This loan will be used to perform a cosmetic procedure

My financial situation: Excellent
I am a good candidate for this loan because I can guarantee it will be repaid. This loan is the only debt I will have. I have one credit card which I pay off every month. I also have sufficent funds in my savings I could use to fully pay this loan off. I just prefer to take the loan out to continue to improve my credit.


Monthly net income: $4500
Monthly expenses: $800
Housing: $0
Insurance: $100
Car expenses: $200
Utilities: $0
Phone, cable, internet: $90
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 518982
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $408.20
 
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: Jan-2006 Debt/Income ratio: Not calculated
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,039Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: koozkotopia 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
testing
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 518988
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 6.10%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $73.30
 
Lender servicing fee: 1.00% Effective Yield*: 17.57%  
Estimated return*: 11.47%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-1998 Debt/Income ratio: 18%
Credit score: 620-639 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 42 Occupation: Student - College S...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,258Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: washougal Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 40 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
640-659 (Oct-2010)
640-659 (Jun-2008)
 
Principal balance: $792.05 31+ days late: 0 ( 0% )
Total payments billed: 40  
Description
Matilda the car has some issues
Purpose of loan:
This loan will be used to...

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


Monthly net income: $1500.00
Monthly expenses: $1250.00
Housing: $600.00
Insurance: $35.00
Car expenses: $0.
Utilities: $90.00
Phone, cable, internet: $60.00
Food, entertainment: $200.00
Clothing, household expenses: $50.00
Credit cards and other loans: $200.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519012
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $216.88
 
Lender servicing fee: 1.00% Effective Yield*: 16.69%  
Estimated return*: 10.74%  
* 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-1985 Debt/Income ratio: 16%
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 34 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $70,229Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: vigorous-liberty2 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
Musee Rodin
Purpose of loan: vacation
This loan will be used to... provide educational opportunities to our children, celebrate 10 yr anniv.

My financial situation: Investing in my education has paid off! I am due for a raise. My job is secure.
I am a good candidate for this loan because...I will spend it and pay it back in a timely manner (good for the economy) Our home/building is worth 500,000 and we only owe half that.

Monthly net income: $5336 not incl spouse
Monthly expenses: $50
Housing: $1000 - We own/live in a com/res bldg w/rental income
Insurance: $86
Car expenses: $475
Utilities: $0 - paid by rental income not incl. in net income
Phone, cable, internet: $210
Food, entertainment: $400
Clothing, household expenses: $
Credit cards and other loans: $441
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519032
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: $22,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 12.90% Borrower rate/APR: 13.90% / 16.06% Monthly payment: $750.84
 
Lender servicing fee: 1.00% Effective Yield*: 12.85%  
Estimated return*: 9.05%  
* 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): 8 First credit line: Jan-1984 Debt/Income ratio: 21%
Credit score: 780-799 (Jul-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:12y 4m
Amount delinquent: $0 Total credit lines: 36 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $51,856Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: Yes  
Screen name: wise-felicity-bee Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Champps
Purpose of loan:
This loan will be used to consolidate credit card debt.

My financial situation:
I am a good candidate for this loan because, I am already paying more out now then I would with this approved loan. Prosper would be making money and so would I. This partnership is a win for both parties. I am not in bad standing with any of my creditors. I have a steady job, and a great income. I am a solid candidate for this loan. Thank you for this consideration to help my family consolidate our credit card debt. Prosper would be making the right decision to loan me the money. It will be paid as you can see by my credit report.
Thanks Again
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519092
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 12.90% Borrower rate/APR: 13.90% / 16.06% Monthly payment: $682.58
 
Lender servicing fee: 1.00% Effective Yield*: 12.85%  
Estimated return*: 9.05%  
* 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-1975 Debt/Income ratio: 15%
Credit score: 820-839 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Architect
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $604Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: bonus-gyration0 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...Home improvement

My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519104
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $542.21
 
Lender servicing fee: 1.00% Effective Yield*: 16.69%  
Estimated return*: 10.74%  
* 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-1985 Debt/Income ratio: 9%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 4Length of status:11y 8m
Amount delinquent: $0 Total credit lines: 17 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $53,936Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: efficient-principal490 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
61IRVINE
Purpose of loan:
This loan will be used to...

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


Monthly net income: $25000.00
Monthly expenses: $400.00
Housing: $4700.00
Insurance: $400.00
Car expenses: $0.00
Utilities: $80.00
Phone, cable, internet: $130.l00
Food, entertainment: $1000.00
Clothing, household expenses: $200.00
Credit cards and other loans: $5000.00
Other expenses: $0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519140
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $81.64
 
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: Jul-2000 Debt/Income ratio: 19%
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 41 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,676Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: No  
Screen name: p2ploan-bearer1 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
SOCIAL
Purpose of loan:
This loan will be used to... get a car.

My financial situation:
I am a good candidate for this loan because...I'm able to pay it back.


Monthly net income: $3000
Monthly expenses: $450
Housing: $
Insurance: $
Car expenses: $0
Utilities: $0
Phone, cable, internet: $100
Food, entertainment: $150
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $0
Information in the Description is not verified.