Listing Report:Supplement No. 35 dated Aug 04, 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 493268
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*: 2.60%  
Term: 36 months  
 
Lender yield: 9.29% Borrower rate/APR: 10.29% / 12.40% Monthly payment: $486.05
 
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: May-2001 Debt/Income ratio: 14%
Credit score: 720-739 (Aug-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 9 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $384Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: the-serene-transaction Borrower's state: California Borrower's group: Socorro Capital Partners
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% ) 720-739 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
740-759 (Apr-2010)
 
Principal balance: $608.83 31+ days late: 0 ( 0% )
Total payments billed: 15  
Description
Medical Expenses Loan
Thanks for looking at my loan request.

This loan is to cover medical expenses for a surgical procedure, plus one week's lost salary.

I'm currently a Prosper lender and borrower - you'll see that I currently have a Prosper loan with no late payments. The only reason I haven't paid that off yet is that the interest rate is so low that I'd rather put my money into investments.

My monthly gross income is $5,400. After taxes and 401k contributions, it comes to $3,780.

This is my budget:

Rent: $1,117
Food: $400
Health: $200
Transportation: $150
Entertainment: $90
Clothing: $50
Gas: $30
Current Prosper Loan: $36

Total: $2,073


This leaves me with $1707 in disposable income, which is more than three times what my loan payment will be.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 518498
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $217.74
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1987 Debt/Income ratio: Not calculated
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 8 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $122Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: efficient-bill10 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.
Description
My personal loan
Purpose of loan:
This loan will be used to...pay off wedding expenses and auto repairs and relocation costs due to father-in-law having been diagnosed with final stages of lung cancer.

My financial situation:
I am a good candidate for this loan because...I have an excellent credit rating, and have always held down a full-time job except during time i was a full-time college student. I have a good record of paying bills on time.


Monthly net income: $2500
Monthly expenses: $50
Housing: $544
Insurance: $150
Car expenses: $100
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $250
Clothing, household expenses: $100
Credit cards and other loans: $67
Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519282
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: 60 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 20.44% Monthly payment: $259.35
 
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: Jun-1990 Debt/Income ratio: 14%
Credit score: 640-659 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 6 Current / open credit lines: 4 / 1Length of status:2y 4m
Amount delinquent: $44,843 Total credit lines: 34 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,204Stated income:$25,000-$49,999
Delinquencies in last 7y: 13 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: blue-terrific-affluence 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
Steve's Motorcycle
Purpose of loan:
This loan will be used to... Refinance my motorcycle loan from my current institution.

My financial situation:
I am a good candidate for this loan because...I have been through some tough times, "Divorce" but am going to come out strong. I have a solid management position and the desire to suceed and keep my motorcycle.


Monthly net income: $32500
Monthly expenses: $
Housing: $100
Insurance: $150
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519610
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-1978 Debt/Income ratio: 9%
Credit score: 800-819 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 15Length of status:22y 6m
Amount delinquent: $0 Total credit lines: 23 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,437Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: Yes  
Screen name: NeedsNewRoofandSiding 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.
Description
Home Remodel
Purpose of loan:
I would like to get vinyl siding, a new roof and do some updates on my home.

My financial situation: My credit score is over 800 and I have a good full-time job working at a major defense contracting company. I have the major portion of what I need to remodel in savings but would like to borrow a portion of the money needed.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519628
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 1.95%  
Term: 36 months  
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 9.33% Monthly payment: $635.90
 
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-2000 Debt/Income ratio: 14%
Credit score: 780-799 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 14 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,202Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: goodhearted-generosity511 Borrower's state: California Borrower's group: Socorro Capital Partners
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
short term rotation
Purpose of loan: to have some cushion till year end bonus comes in
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...As you can see, i have a clean and great credit and dti ratio.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519646
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 1.00%  
Term: 36 months  
 
Lender yield: 6.99% Borrower rate/APR: 7.99% / 8.33% Monthly payment: $125.33
 
Lender servicing fee: 1.00% Effective Yield*: 6.99%  
Estimated return*: 5.99%  
* 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-1991 Debt/Income ratio: 11%
Credit score: 800-819 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 28 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,393Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: Yes  
Screen name: starfish546 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: 11 ( 100% ) 800-819 (Latest)
Principal borrowed: $3,700.00< 31 days late: 0 ( 0% )  
800-819 (Aug-2010)
 
Principal balance: $2,678.34 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
My loan is for debt consolidation
Purpose of loan:
This loan will be used to pay off a credit card and for auto repair.

My financial situation:
I am a good candidate for this loan because I have another loan with prosper and am in excellent standing. Never a late payment! I have an excellent credit score.

Unfortunately, banks will not give me a loan, despite my good credit, because my name is still on a loan for a home that is in my ex-husband's name. It's in my best interest to allow him to keep my name on the loan for now, because he would take a major loss if he sold now, which would also impact my children. He is also financially responsible and a Lt. Col in the Air Force, so his job is stable. Unfortunately, banks don't factor in unique situations like this, but hopefully a lender here will!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519658
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: C Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 6.10%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $366.51
 
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): 5 First credit line: Jul-1993 Debt/Income ratio: 20%
Credit score: 720-739 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 3Length of status:13y 0m
Amount delinquent: $1,889 Total credit lines: 33 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: bbadger Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 13 ( 100% ) 720-739 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
660-679 (Jun-2010)
720-739 (Apr-2008)
 
Principal balance: $3,637.20 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
packers12
Purpose of loan: new windows in house, update bathroom in basement
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...I have full time job


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 519664
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jul-2004 Debt/Income ratio: 39%
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,589Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: contract-chef 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
Personal Loan
Purpose of loan:
This loan will be used to pay off my major purchase for furniture, mac laptop and small money for surrogate mother fees.

My financial situation:
I am a good candidate for this loan because I am very committed to pay my bills on time and I have very loyalty to my loan.


Monthly net income: $ 2800 plus part time of 400 dollars a month
Monthly expenses: $ 700
Housing: $ 395
Insurance: $ 500 dollars for 6 months
Car expenses: $ 275 dollars
Utilities: $ none
Phone, cable, internet: $ 75
Food, entertainment: $ 150 a monthly
Clothing, household expenses: $ nope
Credit cards and other loans: $ about 8000
Other expenses: $ student loans wait until October 2012


I hope you will able to help me. God bless you all!

Thank you so much.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519674
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: Jun-1996 Debt/Income ratio: 21%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,586Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: inthedraft 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
debt to pay off
Purpose of loan:
This loan will be used to... pay off some high interest credit cards,and for back to school fees

My financial situation:
I am a good candidate for this loan because...i really care about my credit
score,i try to pay my bills on time every month

Monthly net income: $ 2500
Monthly expenses: $1950
Housing: $580
Insurance: $350
Car expenses: $250
Utilities: $200
Phone, cable, internet: $150
Food, entertainment: $300
Clothing, household expenses: $175
Credit cards and other loans: $400
Other expenses: $147
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519830
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $244.92
 
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: Oct-1995 Debt/Income ratio: 19%
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:7y 5m
Amount delinquent: $0 Total credit lines: 38 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,168Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: hope-director1 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
bills
Purpose of loan:
This loan will be used to...to pay off my credit debt and to reduce my payments.

My financial situation:
I am a good candidate for this loan because...I am ready to take to step forward in helping my family achieve financial success, freedom form debt


Monthly net income: $3600
Monthly expenses: $
Housing: $1201
Insurance: $75
Car expenses: $670
Utilities: $75
Phone, cable, internet: $500
Food, entertainment: $150
Clothing, household expenses: $200
Credit cards and other loans: $125
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519842
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: B Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $253.03
 
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: Jun-1999 Debt/Income ratio: 19%
Credit score: 760-779 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:6y 1m
Amount delinquent: $0 Total credit lines: 23 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,581Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: red-thorough-finance Borrower's state: Connecticut 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
In need of long over due work...
Purpose of loan: Cosmetic surgery
This loan will be used to... pay for breast augmentation and tummy tuck (both due to pregnancy) and possible hernia repair (also due to pregnancy) should my insurance not cover the procedure.

My financial situation:
I am a good candidate for this loan because...I have a stable work history, pay my bills, healthy and, motivated.


Monthly net income: $3000.00
Monthly expenses: $ See list below
Housing: $ 400.00
Insurance: $100.00
Car expenses: $375.00
Utilities: $ 150.00
Phone, cable, internet: $ 150.00
Food, entertainment: $100.00
Clothing, household expenses: $ Varies $100
Credit cards and other loans: $ 200.00
Other expenses: $ N/A
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519854
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: C Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 6.10%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $366.51
 
Lender servicing fee: 1.00% Effective Yield*: 17.57%  
Estimated return*: 11.47%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1994 Debt/Income ratio: 28%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:7y 0m
Amount delinquent: $0 Total credit lines: 18 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,825Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: tthomashardie 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 85 ( 100% ) 680-699 (Latest)
Principal borrowed: $20,000.00< 31 days late: 0 ( 0% )  
660-679 (Oct-2009)
700-719 (Jul-2008)
620-639 (Mar-2008)
600-619 (Apr-2007)
 
Principal balance: $3,838.45 31+ days late: 0 ( 0% )
Total payments billed: 85  
Description
Growing my photo business again
I want to expand my photo business. Prosper has been a great resource for this growth before. This loan will be used to buy updated photo gear. Rent studio space and consoliadate credit cards. I'm a good candidate for this loan because I am working retail at Fleet Feet along with photography, so I have a steady income along with a growing photography career. Most of my work is with weddings and I am adding more heads shots. I live in Chicago which has many opportunities for photo work.

Monthly net income: $2050.00 (not including photography which averages $525.00 after taxes)
Monthly expenses: Housing: $885.00 Insurance: $0.00 Car expenses: $0.00 Utilities: $85.00 Phone, cable, internet: $130.00 Food, entertainment: $450.00 Clothing, household expenses: $100.00
Credit cards and other loans: $55.00 (minimum payments) $300.00 (Prosper loan) Other expenses: $200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519858
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): 6 First credit line: Oct-1993 Debt/Income ratio: 114%
Credit score: 720-739 (Aug-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 45 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,211Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: finance-grove7 Borrower's state: SouthDakota 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 me
Purpose of loan:
This loan will be used to...to pay bills after divorice

My financial situation:
I am a good candidate for this loan because...i like to keep my bills due on time.


Monthly net income: $500
Monthly expenses: $
Housing: $445
Insurance: $100
Car expenses: $402.00
Utilities: $30-50
Phone, cable, internet: $140
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519860
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 6.10%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $183.25
 
Lender servicing fee: 1.00% Effective Yield*: 17.57%  
Estimated return*: 11.47%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1992 Debt/Income ratio: 76%
Credit score: 740-759 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:16y 11m
Amount delinquent: $0 Total credit lines: 31 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,060Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: handy-deal4 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 11 ( 100% ) 740-759 (Latest)
Principal borrowed: $1,200.00< 31 days late: 0 ( 0% )  
740-759 (Aug-2010)
 
Principal balance: $885.15 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Bill Pay Off
Purpose of loan: To Pay off credit cards
This loan will be used to...

My financial situation: Ok
I am a good candidate for this loan because...My bills are always paid on time,these bills are also are paid from my husbands income


Monthly net income: $1600
Monthly expenses: $
Housing: $1000
Insurance: $60
Car expenses: $200
Utilities: $260
Phone, cable, internet: $283
Food, entertainment: $250
Clothing, household expenses: $
Credit cards and other loans: $5000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519870
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
Minimum Amount to Fund: $3,850 Estimated loss*: 13.00%  
Term: 36 months  
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $236.48
 
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): 4 First credit line: Jan-2001 Debt/Income ratio: 38%
Credit score: 640-659 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 13 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,360Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: rcs2003 Borrower's state: Nevada 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 / 4 On-time: 24 ( 96% ) 640-659 (Latest)
Principal borrowed: $10,000.00< 31 days late: 1 ( 4% )  
620-639 (Apr-2010)
600-619 (Aug-2009)
620-639 (Mar-2008)
620-639 (Jan-2008)
 
Principal balance: $0.04 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
I want you to make money
Purpose of loan: Debt Consolidation
This loan will be used to... Put the remainder of my Credit card balance on a fixed loan amount. I have used prosper to do this a few times before and never missed a payment.

My financial situation:
I am a good candidate for this loan because... I have had the same Job since 2006. Personally paid off 3 loans on Prosper previously. Living below my means makes it possible to pay this loan with no problem.


Monthly net income: $2000-3000
Monthly expenses: $1600
Housing: $325
Insurance: $115
Car expenses: $60
Utilities: $0
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $100
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519882
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*: 17.00%  
Term: 36 months  
 
Lender yield: 30.25% Borrower rate/APR: 31.25% / 34.89% Monthly payment: $172.56
 
Lender servicing fee: 1.00% Effective Yield*: 28.48%  
Estimated return*: 11.48%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Feb-1998 Debt/Income ratio: 49%
Credit score: 620-639 (Aug-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:8y 11m
Amount delinquent: $0 Total credit lines: 36 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,535Stated income:$50,000-$74,999
Delinquencies in last 7y: 10 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: GDInvest Borrower's state: California Borrower's group: HARD MONEY LOANS
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 4 On-time: 72 ( 100% ) 620-639 (Latest)
Principal borrowed: $18,000.00< 31 days late: 0 ( 0% )  
640-659 (Apr-2010)
660-679 (Sep-2009)
660-679 (Aug-2009)
640-659 (Aug-2008)
 
Principal balance: $2,861.62 31+ days late: 0 ( 0% )
Total payments billed: 72  
Description
Resurfacing the pool
Purpose of loan: Resurface the pool
This loan will be used to resurface the pool

My financial situation: I am currently employed full time and have been with the same company for 7 years. I have two renters that have lived with me for the last 5 years.
I am a good candidate for this loan because I have had 4 Prosper loans...never been late, always paid off without issues.


Monthly net income: $6000.00
Monthly expenses: $4.597.00 - outlined below
Housing: $3000.00
Insurance: $202.00
Car expenses: $425.00
Utilities: $85.00
Phone, cable, internet: $185.00
Food, entertainment: $200.00
Clothing, household expenses: $100.00
Credit cards and other loans: $400.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519888
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*: 16.50%  
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*: 12.67%  
* 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: Oct-2005 Debt/Income ratio: 110%
Credit score: 720-739 (Aug-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 5 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,739Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: No  
Screen name: peso-equinox 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
credit
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519890
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): 6 First credit line: Jan-1997 Debt/Income ratio: 14%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 6Length of status:1y 6m
Amount delinquent: $511 Total credit lines: 26 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,479Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: Yes  
Screen name: tolerant-generosity1 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
To Pay Bills, No One is Approved me
Purpose of loan: to Pay credit card Bills
This loan will be used to...to pay credit card bills, No one is giving me a loan, I am getting dined by every one.

My financial situation:
I am a good candidate for this loan because I am a good payer on time. also I have a permanent job in which I will not getting lay off.


Monthly net income: $ 4,300.00 PER MONTH
Monthly expenses: $
Housing: $ 1097.00 MORTGAGE
Insurance: $297.00 CO-OP INSURANCE PER YEAR
Car expenses: $597.00 CAR INSURANCE PER YEAR
Utilities: $100.00 ELECTRIC BILL PER MONTH
Phone, cable, internet: $ 127.00 PER MONTH
Food, entertainment: $100.00 PER WEEK
Clothing, household expenses: $0.0
Credit cards and other loans: $0.0
Other expenses: $0.0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519896
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: Mar-1998 Debt/Income ratio: 16%
Credit score: 640-659 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:10y 4m
Amount delinquent: $0 Total credit lines: 39 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,414Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: top-return-pal 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:
This loan will be used to... debt consolidation

My financial situation:
I am a good candidate for this loan because...I pay all my bills on time. I just prefer one payment to one company instead of 6 different companies.

Monthly net income: $3,000
Monthly expenses:
Housing: $975.00
Insurance: $112.00
Car expenses: $0
Utilities: $140.00
Phone, cable, internet: $300.00
Food, entertainment: $400.00
Clothing, household expenses: $0
Credit cards and other loans: $3,000
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 507835
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 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): 5 First credit line: May-1999 Debt/Income ratio: Not calculated
Credit score: 720-739 (Aug-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,394Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 102%  
   Homeownership: No  
Screen name: velocity-vibraphone2 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
My loan for home improvement
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 518917
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: Oct-2000 Debt/Income ratio: 24%
Credit score: 720-739 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 32 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,402Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: Yes  
Screen name: asset-keeper5 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
A Win-Win Business Plan
Purpose of loan:
This loan will be used toward the purchase a used 10 passenger limousine. I intend to be equally invested.

I am an excellent candidate for this loan because I believe this business start-up is a win-win situation. I have over 10 years of experience, operating and managing a fleet of 9 limo's and 23 bus for a large business. I truly know all the in's and out's of the business.

This was not put together overnight. I have done all my homework and have devoted alot time developing a strong business plan. I have spent hours planning and budgeting for the unexpect.


Business Projections:
Monthly net income: $3400
Monthly expenses:
Facility: Home Office (H/O) with sufficient garage space
Insurance: $119
Gas: $220
Repairs/Maintenance: $150
Phone: $90
Detailing Supplies: $60
Advertising: $340
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519219
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
Minimum Amount to Fund: $10,500 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): 6 First credit line: Sep-1996 Debt/Income ratio: 20%
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 11Length of status:4y 0m
Amount delinquent: $365 Total credit lines: 54 Occupation: Principal
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,767Stated income:$75,000-$99,999
Delinquencies in last 7y: 4 Bankcard utilization: 63%  
   Homeownership: No  
Screen name: currency-meteor250 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: 4 ( 100% ) 700-719 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
720-739 (May-2011)
760-779 (Dec-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 4  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off debt.

My financial situation: I am a good candidate for this loan because I am financially responsible. My wife and I had another child and would like to be able to upgrade homes within 1 year. In order for us to do that, we need to pay off some debt and maximize our savings. I am a previous borrower and paid the loan responsibly. I am a school administrator and my yearly income is $94,881 per year. With this loan we intend to finish paying one 1 credit card, and a car loan, other small balances. Then have one smaller monthly payment.

Monthly Gross INCOME:$7906.75
Monthly net INCOME: $5315.82
EXPENSES:
Rent: $500
Insurance: $ $155.56
Car Payment: $498.00
Child Care: $600.00
Utilities: $ $116.00
Phone, cable, internet: $ 95.00
Food, entertainment: $300.00
Clothing, household expenses $ 250.00
Credit cards and other loans: $325.00
Other expenses: $621.00 (School Loans)
TOTAL EXPENSES: $3460.56
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519475
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $204.10
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1993 Debt/Income ratio: 14%
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:18y 5m
Amount delinquent: $0 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,905Stated income:$100,000+
Delinquencies in last 7y: 3 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: graceful-benjamins4 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
Overcome revolving debt situation. My wife and I have come along way. This loan would be integral to getting closer to our goal.

My financial situation:
My employment situation is stable, I have been with my company for 18.5 years. My wife will be going back to work next year, she has been taking care of our two girls and they will be in school full-time.


Monthly net income: $9,000.00
Monthly expenses: $8,200
Housing: $3,700.00
Insurance: $204.00
Car expenses: $569.00
Utilities: $200.00
Phone, cable, internet: $350.00
Food, entertainment: $500.00
Clothing, household expenses: $250.00
Credit cards and other loans: $2,200.00
Other expenses: $200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519515
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 11.20%  
Term: 12 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 34.11% Monthly payment: $380.16
 
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): 5 First credit line: Nov-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Aug-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 13 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $42Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: leverage-tycoon5 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
Help maximize profits for a SmB.
Purpose of loan:
This loan will be used to purchase energy-efficient LED lighting fixtures for the completion of a renovation project at a private school located in the Houston, TX. My company has credit available to use for the purchase of the fixtures, but would prefer to support the propser.com community.

My financial situation:
I am a good candidate for this loan because the availability of funds for the project has been confirmed, contracts have been approved, and the first phase of the project has been completed. The customer is a prestigious private school with an outstanding track record for prompt payments and repeat business to my company.

Project income: 11,665.00
Project expenses: 5056.81
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519577
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*: 16.50%  
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*: 12.67%  
* 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: Feb-1999 Debt/Income ratio: 29%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 2 / 1Length of status:11y 10m
Amount delinquent: $20 Total credit lines: 20 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: Jet2012 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
Wife's Med School
Purpose of loan:
This loan will be used to pay off existing debt so my wife can attend Med School with little to worry about.

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


Monthly net income: $ 1343.34
Monthly expenses: See Below
Housing: $0
Insurance: $60
Car expenses: $ 576
Utilities: $0
Phone, cable, internet: $200
Food, entertainment: $400
Clothing, household expenses: $50
Credit cards and other loans: $50
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519607
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 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: Sep-2002 Debt/Income ratio: 11%
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:20y 9m
Amount delinquent: $0 Total credit lines: 19 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $438Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: No  
Screen name: paddle247 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
Number 1 Mets Fan
Purpose of loan:
This loan will be used to...Pay Bills and help my future situation with a big help from your very good financial rates.

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 519619
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: Jan-1994 Debt/Income ratio: 22%
Credit score: 820-839 (Aug-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 25 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,522Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: Yes  
Screen name: auction-medalist9 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
Landscaping project
Purpose of loan:
This loan will be used to...
Install concrete pavers and landscaping
My financial situation: Very Strong
I am a good candidate for this loan because...
I have a long and strong credit history and have always repaid my debts. I have chosen to go this route instead of using revolving credit, as I feel it is a much better way to finance something like this.

Monthly net income: $8000
Monthly expenses: $6000
Housing: $1200
Insurance: $200
Car expenses: $0
Utilities: $300
Phone, cable, internet: $200
Food, entertainment: $1000
Clothing, household expenses: $1000
Credit cards and other loans: $1000
Other expenses: $
1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519625
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: 60 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 20.44% Monthly payment: $259.35
 
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: Nov-1996 Debt/Income ratio: 8%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 8Length of status:10y 1m
Amount delinquent: $9,630 Total credit lines: 15 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,764Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: ingenious-commerce8 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
Need loan quickly HELPP
Purpose of loan:
For vacation and home repair

My financial situation:
I am a good candidate for this loan because i am trustworthy with my payments i hate to owe people money so i try to pay my debts quickly and i am in desperate need right now


Monthly net income: $3500
Monthly expenses: $2450
Housing: $1100
Insurance: $115
Car expenses: $425
Utilities: $300
Phone, cable, internet: $90
Food, entertainment: $250
Clothing, household expenses: $150
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519627
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Mar-1982 Debt/Income ratio: 43%
Credit score: 660-679 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:10y 0m
Amount delinquent: $283 Total credit lines: 9 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,712Stated income:$1-$24,999
Delinquencies in last 7y: 12 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: investment-fort7 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
Summer Supplement
Purpose of loan:
This loan will be used to...help cover some outstanding expenses that have accumulated because I have not been working for the summer. Being a school board employee, there is no income during the summer and some unexpected expenses have occurred. For example, medical and school expenses for my daughter.

My financial situation:
I am a good candidate for this loan because...I am capable of paying this loan off sooner than the time expected.


Monthly net income: $1800
Monthly expenses: $2649
Housing: $1000
Insurance: $194
Car expenses: $450
Utilities: $200
Phone, cable, internet: $130
Food, entertainment: $300 (estimate)
Clothing, household expenses: $200 (estimate)
Credit cards and other loans: $175
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519643
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: D Listing Duration: 14 days
Minimum Amount to Fund: $5,950 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $277.57
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: May-1992 Debt/Income ratio: 14%
Credit score: 660-679 (Aug-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 25 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,585Stated income:$25,000-$49,999
Delinquencies in last 7y: 20 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: Quarks-and-Honey 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
Programmer costs for my website
PURPOSE
I'm 60% done creating a turnkey web-based business. Just need a PHP programmer to help me cross the finish line! My business is similar to Fiverr.com, also designed for 20% margins. Mockups here: http://bit.ly/qh-mockup

TOP 3 REASONS TO FUND ME
#3. Previous successes. It helps that this isn't my first rodeo. I started my 1st successful business when I was 19, buying domains cheap and reselling for thousands

#2. Proven concept (see Fiverr.com). This is a very mapped out, well-researched project. Been working on it for 6 months now. There are obstacles, but none that can't be overcome with your help.

#1. I've failed before. I've learned many lessons necessary for success. I'm 33, single no kids, few commitments.

FINANCIALS
Net mo. income = $2500 after taxes
Expenses = $1250 (everything!)

Sorry running outta room! More details: Click my screenname for memberpage or go to http://bit.ly/qh-memberpage
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519801
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: A Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 12.90% Borrower rate/APR: 13.90% / 16.06% Monthly payment: $68.26
 
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: May-1990 Debt/Income ratio: 39%
Credit score: 780-799 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,332Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: knowledgeable-dedication6 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
PERSONAL LOAN NEEDED
Purpose of loan: PAY EXPENSES
This loan will be used to...PAY EXPENSES

My financial situation:
I am a good candidate for this loan because...My credit score is excellent at 783, I have a full time position and I recently have been promoted at Sallie Mae--also i consistently make monthly bonuses anywhere between $100-$400 plus I have about $2000 in 401k


Monthly net income: $1400
Monthly expenses: $ 1521
Housing: $ 735 rent per month
Insurance: $ 56 per month car insurance
Car expenses: $ 362 per month
Utilities: $ 48 per month
Phone, cable, internet: $ 170 per month
Food, entertainment: $ 150 per month
Clothing, household expenses: $ 0
Credit cards and other loans: $ 3300
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519843
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 16.29% Monthly payment: $593.44
 
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: Oct-1984 Debt/Income ratio: 27%
Credit score: 780-799 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:23y 9m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,565Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: trustworthy-return2 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
I would LOVE to update my home
Purpose of loan: To renovate my home
This loan will be used to...

My financial situation: Very stable
I am a good candidate for this loan because...I pay everything on time. Thanks for your help!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519863
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $163.28
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Dec-2003 Debt/Income ratio: 21%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:9y 9m
Amount delinquent: $0 Total credit lines: 18 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,021Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 68%  
   Homeownership: No  
Screen name: invincible-value7 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
I really need money to get my bills
Purpose of loan:
This loan will be used to...

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


Monthly net income: $1700
Monthly expenses: $
Housing: $
Insurance: $151
Car expenses: $
Utilities: $
Phone, cable, internet: $250
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519873
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $9,450 Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 16.29% Monthly payment: $320.46
 
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: Oct-2001 Debt/Income ratio: 18%
Credit score: 740-759 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:5y 1m
Amount delinquent: $0 Total credit lines: 12 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,346Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: No  
Screen name: mlucechi Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
This loan will be used to pay off outstanding debt.
Chase cc: [email protected]%
BofA cc: [email protected]%
BofA loan: [email protected]%

My financial situation is solid. I've been at the same company for 6+yrs and received great reviews and insurances that they plan to keep me and invest in me going forward.

I am a good candidate for this loan because I've never missed a payment on anything. The reason for the loan is poor investments during an economical downturn. I was 'cash poor'. Since then, I've paid down debt and built savings. I want to have a set payment every month to one place that I can pay off while still saving money. Realistically, I have the money now to pay all these debts off, but that would leave me 'cash poor' again, which is somewhere I've vowed to myself I'll never be again. I've also invested through Prosper in the past and know how it works from an investors perspective. If you help me, I will return the favor by giving you a return on your investment every month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519881
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 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): 4 First credit line: Aug-1990 Debt/Income ratio: 30%
Credit score: 620-639 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 7Length of status:9y 4m
Amount delinquent: $0 Total credit lines: 52 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,626Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 104%  
   Homeownership: Yes  
Screen name: carlsrudj Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
640-659 (Jun-2008)
580-599 (Sep-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Home Improvement
Purpose of loan:
This loan will be used to...Replace inefficient old windows and furnace. Currently we have an old windows and use fuel oil for heat. Replacing the windows and installing a new gas furnace will significantly cut down on energy costs and increase the value of our home.

My financial situation:
I am a good candidate for this loan because...In the past 18 months I have both decreased my debt and increased my credit score. I have been at my current job for over 9 years and have a perfect record on Prosper as a previous borrower.


Monthly net income: $ 4400
Monthly expenses: $
Housing: $ 810
Insurance: $ 94
Car expenses: $ 550
Utilities: $ 0 (Paid by long time girlfriend)
Phone, cable, internet: $ 0 (Paid by long time girlfriend)
Food, entertainment: $ 150
Clothing, household expenses: $ 150
Credit cards and other loans: $ 800
Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519897
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: May-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Aug-2011) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:11y 9m
Amount delinquent: $0 Total credit lines: 53 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $39,779Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: Yes  
Screen name: a-phenomenal-penny Borrower's state: Kansas 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
Bridge Loan
Purpose of loan: To cover expenses while waiting on receivables
This loan will be used to...I own a vacation home ($61k mortgage - $275k value) and 18 acres of land (value $45k) at Lake of the Ozarks that I would prefer not selling and this loan would allow me to gap my income this month.

My financial situation: Good. I own two businesses..(ABMI.net 100% owner) The second, Reliant.pro (38% owner) currently makes $60k mo but has a four month lag on collection checks from the insurance companies.
I am a good candidate for this loan because...I have never missed a payment and I have paid off every loan and credit card I have ever had.


Monthly net income: $180,000
Monthly expenses: $140,000
Housing: $2,450
Insurance: $1,300
Car expenses: $576
Utilities: $800
Phone, cable, internet: $350
Food, entertainment: $1,000
Clothing, household expenses: $1,000
Credit cards and other loans: $2,000
Other expenses: $2,000
Information in the Description is not verified.