Listing Report:Supplement No. 66 dated Aug 22, 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 513830
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: $7,000 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: Sep-1984 Debt/Income ratio: 16%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:23y 10m
Amount delinquent: $0 Total credit lines: 50 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,675Stated income:$50,000-$74,999
Delinquencies in last 7y: 25 Bankcard utilization: 74%  
   Homeownership: No  
Screen name: BeginningAnew Borrower's state: Michigan Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Propane and Property Taxes
Purpose of loan:
This loan will be used to pay off the balance owed on our propane account so we can get propane to heat our house this winter.

It will also be used to pay this years property taxes. They have not been paid due to my husbands unemployment and a tight budget. He is back to work at a reduced income due to the continued bad economy in Michigan.

My financial situation:
I am a good candidate for this loan because obtaining this loan will reduce our monthly payments by $120.00.

We'll be able to pay off the credit cards & pay extra on the car loan and student loans to reduce our debt.

Monthly net income: $4,378.45
Monthly expenses: $4,069.62, includes:
Housing: $300.00
Insurance: $292.00
Car expenses: $600.00
Utilities: $400.00
Phone, cable, internet: $380.00
Food, entertainment: $300.00
Clothing, household expenses: $100.00
Credit cards and other loans: $710.00
Other expenses: $987.62
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522334
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jan-1998 Debt/Income ratio: 22%
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 17Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 41 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,102Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: the-trustworthy-compassion 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
Teacher in need
Purpose of loan:
This loan will be used towards a down payment on a co op I would like to purchase.

My financial situation:
I am a good candidate for this loan because I have paid off the majority of my credit cards have astable job and will be able to pay my monthly payments of the loan.


Monthly net income: $4,450
Monthly expenses: $ 3194
Housing: $2,000
Insurance: $0
Car expenses: $0
Utilities: $69
Phone, cable, internet: $175
Food, entertainment: $150
Clothing, household expenses: $100
Credit cards and other loans: $700
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522470
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: $4,400.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,080 Estimated loss*: 6.10%  
Term: 12 months  
 
Lender yield: 16.49% Borrower rate/APR: 17.49% / 26.44% Monthly payment: $402.32
 
Lender servicing fee: 1.00% Effective Yield*: 16.11%  
Estimated return*: 10.01%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1997 Debt/Income ratio: 34%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 19 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,484Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: No  
Screen name: clwatso2 Borrower's state: NorthCarolina Borrower's group: Medical Benefactors
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 36 ( 100% ) 680-699 (Latest)
Principal borrowed: $10,330.00< 31 days late: 0 ( 0% )  
720-739 (Oct-2009)
740-759 (Dec-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Fix up remaining bathrooms
My previous experience as a borrower on Prosper was a success both times.

With my primary job of $38,200/yr., I am able to pay off all the bills on time. Here is a quick summary of my monthly bills:

Utilities: $130
Car payment: $300
Mortgage payment: $1180
Health Insurance: free through my work
Student Loan: $125
Food: $300
Credit Cards: $100
VOIP phone service: $20
Cell phone: $39

I have a part-time job as cashier making $10.60/hr and range from $250-$300 a month. My wife also has a part time job where she can work at home. She ranges from $400-$500 a month and uses it to pay any extra expenses that may come up and also towards any credit card debt.

As my credit history can show, I have never been late or defaulted on any bills or loans I have had over the years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522762
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $152.42
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 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: May-1994 Debt/Income ratio: 25%
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:1y 2m
Amount delinquent: $1,033 Total credit lines: 23 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $1,948Stated income:$25,000-$49,999
Delinquencies in last 7y: 20 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: sympathetic-responsibility9 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
My loan for home improvement
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because... have always had a job no matter what and do what ever to pay my bills, do not over spend have raised six kids and am making my payments have had credit problems but have worked on getting that improved in the last few years and it is starting to payoff.


Monthly net income: $3300.00
Monthly expenses: $
Housing: $723.00 , includes property taxes,home ins.
Insurance: $ 160 auto
Car expenses: $400.00
Utilities: $145 per month , gas=135.00
Phone, cable, internet: $ phone =$100, cable=$98 internet= $45
Food, entertainment: $300.00
Clothing, household expenses: $150.00
Credit cards and other loans: $58.00
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522884
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): 1 First credit line: Mar-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Aug-2011) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 18 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: fearless-contract5 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.
Description
Debt Consolidation/Home Improvement
Purpose of loan:
This loan will be used to...to pay off small credit card balances and do some home improvments

My financial situation:
I am a good candidate for this loan because...I will be able to pay it off quickly and have a proven track record of paying all my bills on time.


Monthly net income: $12000.00
Monthly expenses: $4600.00
Housing: $2100.00
Insurance: $200.00
Car expenses: $600.00
Utilities: $150.00
Phone, cable, internet: $200.00
Food, entertainment: $100.00
Clothing, household expenses: $100.00
Credit cards and other loans: $400.00
Other expenses: $0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522964
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 16.29% Monthly payment: $237.37
 
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): 10 First credit line: May-1995 Debt/Income ratio: 5%
Credit score: 760-779 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 39 Occupation: Pilot - Private/Com...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $211Stated income:$75,000-$99,999
Delinquencies in last 7y: 12 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: brightest-dinero-sonnet 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
Business Expanding
Purpose of loan:
This loan will be used to...expand our exisitng business. We operate a low overhead franchised publication with two existing territories. We have operated this business for the past year and became profitable after only six months. We are looking to expand into two adjacent territories. Our decision to expand into these two territories comes from the success of our two current territories, and the request of our clients to offer advertising in those areas. Our publication/product is such a niche advertising medium for small to medium-sized businesses that we have no competion.

My financial situation:
I am a good candidate for this loan because...I have a salaried position with a corporation that I have been with for the last 4 1/2 years. I have been in the industry for the last 14 years. Repayment of this loan is not dependent on the success, or revenue of the business mentioned above. My income from my position is more that sufficient to repay this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522970
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: Nov-2000 Debt/Income ratio: 21%
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 11Length of status:21y 9m
Amount delinquent: $0 Total credit lines: 36 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,129Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: Fury440 Borrower's state: Missouri Borrower's group: Vets helping Vets
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 700-719 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
640-659 (Jun-2010)
640-659 (Mar-2010)
660-679 (Jan-2010)
640-659 (Jan-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Debt Free and Honeymoon Funds !
My financial situation is very strong. As of May2011, I was granted 100% service connected disability for my injuries incurred during the 1991 Gulf War. I am not listed as unemployable, so i continue to work my job of 21 years. I am marrying in th next month to my fiance of 10 years, She is also a nurse bringing home approx $3 K a month. We own 2 homes and a 2009 Nissan Murrano.


Monthly net income: $4620. (VA $2744, State $1876)

Monthly expenses: $2730 (with this loan)

Housing: $431 (House 1) 53k owed, valued 65K, $461 (House two), 27k owed, value 60K

Insurance: $150 cars, $600/year house 2. House 1 included in Mortgage.

Car expenses: $505, (2009 Murano. 22k owed)

Utilities: $350 / mo for both. (average)

Phone, cable, internet: $163, phone. $183, Cable internet.

Food, entertainment: $400

Clothing, household expenses: $200

Paying off:

Dell $2900 (21% intrest
Discover $1858 (15.9% intrest)
Target $1563 (22.9% intrest)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522982
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $108.87
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1994 Debt/Income ratio: Not calculated
Credit score: 720-739 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:4y 11m
Amount delinquent: $0 Total credit lines: 25 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $275Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: Yes  
Screen name: rupee-destiny Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

To take care of some immediate debts now, and pay them all off in one place in the next few months

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

I have owned a home, cars, and been a responsible bill payer, I have also been continually employed as a proffesional marine biologist and a public school teacher for the past twenty years, 6 as a school teacher, and I still work at the New England Aquarium in Boston during the summers full time...


Monthly net income: $5,000
Monthly expenses: $1000
Housing: $1150
Insurance: $0
Car expenses: $350
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $250
Clothing, household expenses: $250
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523000
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $130.65
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1987 Debt/Income ratio: 25%
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:14y 2m
Amount delinquent: $0 Total credit lines: 19 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,651Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: investment-harbor3 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
Military Debt Consolidation/ Buffer
Purpose of loan:
My wife and I will be using this loan to pay off some credit cards and to restore a buffer that we used when my house was not rented.

My financial situation:
You can trust me with your money for several reasons. First I am and have been in the military for 14 years; this means I have a steady job that I won't get laid off from. Also my wife and I know why we are in the situation that we are in and we are working to fix it with out destroying our credit. We own a house in AZ where I was stationed for several years and have been renting it out due to being re-assigned to PA last year. My wife and I have a one year old daughter and she is currently not working but plans on re-entering the work force when our daughter is a little older.

Monthly net income: $ 6000- 900 rent / 5100 work incomes
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523060
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: Jan-1999 Debt/Income ratio: 10%
Credit score: 720-739 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:23y 4m
Amount delinquent: $0 Total credit lines: 37 Occupation: Fireman
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,340Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: coin-flamenco9 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
Dessert Entrepeneur
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because... I have a 23 year work history with progressively increasing rank with the same organization. My employment is 100% stable (firefighter). I have had excellent credit for 23 years. I have good assets and much to lose if I pay late or default on a loan.


Monthly net income: $ 9195.00
Monthly expenses: $
Housing: $ 4525
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $ 1275
Other expenses: $ 1295.00 rental home
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523064
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 13.00%  
Term: 36 months  
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $322.47
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%  
Estimated return*: 15.61%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Mar-2006 Debt/Income ratio: 20%
Credit score: 640-659 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:6y 0m
Amount delinquent: $0 Total credit lines: 15 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,554Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: green-investment-venus Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
700-719 (Nov-2010)
 
Principal balance: $546.19 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Consolidating Debt
Purpose of loan:
This loan will be used to... My purpose of this loan is to consolidate some of my credit card payments



My financial situation:
I am a good candidate for this loan because... I live with my parents so I don?t have that many expensie other then my car payment and the credit cards im trying to conslidate . I have a great job where I have been working for the last six years.

Monthly net income: $2,560
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 523072
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $195.97
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1988 Debt/Income ratio: 6%
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:10y 1m
Amount delinquent: $0 Total credit lines: 26 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 30 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: exchange-kin 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
MECHANIC
Purpose of loan:
This loan will be used to.PERSONAL USE..

My financial situation: BANCO POPULAR
I am a good candidate for this loan because...HAVE SUFFICIENT INCOME TO PAY OFF LOAN


Monthly net income: $3500.
Monthly expenses: $1100
Housing: $450
Insurance: $100
Car expenses: $100
Utilities: $
Phone, cable, internet: $125
Food, entertainment: $300
Clothing, household expenses: $
Credit cards and other loans: $50
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523088
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $304.84
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-1981 Debt/Income ratio: 10%
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 10Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 55 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $105,226Stated income:$100,000+
Delinquencies in last 7y: 11 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: brightest-bill-assembler Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation Loan
Purpose of loan:
This loan will be used to...Pay off a loan and meet certain short term obligations

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


Monthly net income: $150000+commission
Monthly expenses:
Housing: $3500
Insurance: $400
Car expenses: $240
Utilities: $250
Phone, cable, internet: $250
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523094
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $87.10
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jul-1996 Debt/Income ratio: Not calculated
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:4y 10m
Amount delinquent: $0 Total credit lines: 26 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,929Stated income:$50,000-$74,999
Delinquencies in last 7y: 24 Bankcard utilization: 27%  
   Homeownership: No  
Screen name: exchange-elm8 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt consoldiation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $4,500
Monthly expenses: $2600
Housing: $900
Insurance: $100
Car expenses: $150
Utilities: $150
Phone, cable, internet: $150
Food, entertainment: $500
Clothing, household expenses: $200
Credit cards and other loans: $350
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523112
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: Feb-1995 Debt/Income ratio: Not calculated
Credit score: 740-759 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 23 Occupation: Pilot - Private/Com...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,690Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: payment-doughnut7 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
My loan for debt consolidation
Purpose of loan:

This loan will be used to consolidate debt into one payment. My debt consists of school and car repairs that I had to put on multiple credit cards.

My financial situation:

I am a good candidate for this loan because I have the means to pay it off but the way my debt is spread out now across four credit cards and loans I feel like I am digging and it never ends. I put $675 per month on these cards ($200-$100 each) and it barley makes a scratch. With this loan I will at least see an end to it and I am canceling these cards.

Monthly net income: $2500

Monthly expenses: $1440 monthly living cost +675 credit card payments = 2150

Housing: $575

Insurance: $115

Car expenses: $100 (gas)

Utilities: $200

Phone, cable, internet: $150

Food, entertainment: $100

Clothing, household expenses: $100

Credit cards and other loans: $600 per month

Other expenses: $100 (college)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523114
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: 36 months  
 
Lender yield: 12.90% Borrower rate/APR: 13.90% / 16.06% Monthly payment: $511.94
 
Lender servicing fee: 1.00% Effective Yield*: 12.85%  
Estimated return*: 9.05%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Nov-2008 Debt/Income ratio: 15%
Credit score: 720-739 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:8y 2m
Amount delinquent: $0 Total credit lines: 8 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,325Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: kind-power-poem 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
Home Improvement
Purpose of loan:
This loan will be used to do some contract work on my house , i just brought a house and i would like to renovate my house and this loans will help me do it in a matter of time

My financial situation:
I am a good candidate for this loan because... I am never late on my bills, i pay all my bills on time on a timely manner and my credit is up to par
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523124
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-1992 Debt/Income ratio: 10%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:9y 2m
Amount delinquent: $0 Total credit lines: 40 Occupation: Other
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $470Stated income:$100,000+
Delinquencies in last 7y: 16 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: diversification-halo Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Taxes
Purpose of loan:
This loan will be used to pay off back taxes

My financial situation:
I am a good candidate for this loan because we have had problems in the past but we now pay are bills on time. Most of the problems centered around my divorce.

Monthly net income: $7000
Monthly expenses: $
Housing: $ 2700
Insurance: $
Car expenses: $800
Utilities: $300
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523154
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): 6 First credit line: Sep-2000 Debt/Income ratio: 21%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:6y 2m
Amount delinquent: $0 Total credit lines: 18 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,329Stated income:$75,000-$99,999
Delinquencies in last 7y: 2 Bankcard utilization: 42%  
   Homeownership: No  
Screen name: blooming-loan482 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
qwksir
My wife and I just recently welcomed an new baby and came into unexpected expenses. Our little one came 1 month premature and was in and out of the hospital. And the expenses accumulated. We are looking for a little reprieve so we can enjoy our new little bundle of joy without extra added financial stress.

Thank You
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523172
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $25,000 Estimated loss*: 3.80%  
Term: 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-2002 Debt/Income ratio: 19%
Credit score: 800-819 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:9y 0m
Amount delinquent: $0 Total credit lines: 11 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,595Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: Yes  
Screen name: bold-finance-mountain Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Management
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523386
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $306.15
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-2002 Debt/Income ratio: 12%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 22 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,726Stated income:$100,000+
Delinquencies in last 7y: 2 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: economy-meteor6 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
Short-term Loan: paid back in 02/12
Purpose of loan:
This loan will be used to consolidate some very high interest rate debt.

My financial situation: I recently recently got a new job and make fantastic income; I need to consolidate some high interest rate debt in the short term.

I am a good candidate for this loan because of 1) my monthly income and 2) I'll receive my annual bonus of over $100K in February 2012, which will be used to pay down all debt.

Monthly net income: $11,400 (~$2400/mos goes into an employee share purchase program, which pays out in February of 2012)
Housing: $3,026
Insurance: $150
Car expenses: $750
Utilities: $100
Phone, cable, internet: $250
Food, entertainment: $500
Clothing, household expenses: $500
Credit cards and other loans: $1,000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523392
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: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $326.55
 
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: Jun-2000 Debt/Income ratio: 36%
Credit score: 720-739 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 32 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,899Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: magical-ore1 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
Purpose of loan:
This loan will be used to consolidate debt

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


Monthly net income: $ 2600
Monthly expenses: $
Housing: $900
Insurance: $70
Car expenses: $0
Utilities: $50
Phone, cable, internet: $250
Food, entertainment: $250
Clothing, household expenses: $100
Credit cards and other loans: $1000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523434
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: Apr-2002 Debt/Income ratio: 16%
Credit score: 820-839 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:8y 11m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,358Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: Yes  
Screen name: payout-tremolo1 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
MR. D
Purpose of loan:
This loan will be used to...Fund my wedding in 2012

My financial situation: I am a home owner and my salary is 70k yearly. This does not include my quarterly bonuses which can be up to 12k.

I am a good candidate for this loan because...I have excellent credit and currently work for Bank of America the leading Financial Institution in the US. I am a Banking Center Manager and have a clear understanding of how credit works
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523440
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: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $326.55
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-1982 Debt/Income ratio: 39%
Credit score: 760-779 (Aug-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 47 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,691Stated income:$25,000-$49,999
Delinquencies in last 7y: 9 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: elm694 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
KW Agent
Purpose of loan:
This loan will be used to...start up a business

My financial situation:
I am a good candidate for this loan because...I have a job and pay my bills on time. Unfortunately, in today's economy, one must have more than one job or start their own business in addition to the income they already have in place.


Monthly net income: $ 2654
Monthly expenses: $
Housing: $ 500
Insurance: $ 200
Car expenses: $ 300
Utilities: $ 250
Phone, cable, internet: $ 125
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $ 300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523446
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: $4,000 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: May-2009 Debt/Income ratio: 19%
Credit score: 720-739 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 4 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $640Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: newest-genuine-money Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
motorcycle loan
Purpose of loan:
This loan will be used to...Buy a motorcycle

My financial situation: Stable
I am a good candidate for this loan because... I have limited Credit but no bad credit.


Monthly net income: $ 2300
Monthly expenses: $
Housing: $ 600
Insurance: $ 100
Car expenses: $ 383
Utilities: $ 60
Phone, cable, internet: $ 90
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $ 50
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523452
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): 10 First credit line: Feb-1995 Debt/Income ratio: 10%
Credit score: 740-759 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,578Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: No  
Screen name: rate-elixir 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
The one hundred
Purpose of loan:
This loan will be used for personal reasons

My financial situation:
I am a good candidate for this loan because I have a stable job and a good credit history.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 518689
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: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $549.76
 
Lender servicing fee: 1.00% Effective Yield*: 17.57%  
Estimated return*: 11.47%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-1979 Debt/Income ratio: 13%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 4Length of status:0y 7m
Amount delinquent: $60 Total credit lines: 26 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,894Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: Yes  
Screen name: GoneFishin2day Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 16 ( 100% ) 740-759 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
740-759 (Mar-2010)
 
Principal balance: $2,599.21 31+ days late: 0 ( 0% )
Total payments billed: 16  
Description
My loan for home improvement
Purpose of loan:
This loan will be used to...Bundle some needed home improvements and get them done at last!

My financial situation:
I am a good candidate for this loan because...I am a very honest, dependable, and hard working person. My wife and I,both in health care for over 30 years, have never defaulted on anything and am fortunate to be in a profession that supplies steady,dependable income. I have been told I have a great sense of humor and this helps to relieve stress for patients and families. Prosper is a great way for people to help people, please consider helping me in my current endeavor, you won't be disappointed!


Monthly net income: $4600.00
Monthly expenses: $2750.00
Housing: $850.00
Insurance: $200.00
Car expenses: $150.00
Utilities: $300.00
Phone, cable, internet: $200.00
Food, entertainment: $200.00
Clothing, household expenses: $100.00
Credit cards and other loans: $350.00
Other expenses: $400.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 521531
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,200.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,200 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $95.81
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-1999 Debt/Income ratio: 36%
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:15y 7m
Amount delinquent: $112 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 10 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: treasure-platoon7 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
My loan for debt consolidation
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 521997
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: Jan-1991 Debt/Income ratio: 17%
Credit score: 740-759 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,301Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: No  
Screen name: note-electron3 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
Mainstream Concepts Jump-Start Loan
This is what we are going to do:

-IT Consulting, and Networking
-Fully custom high performance desktop pcs, and servers.
-Media Content Creation: audio, video, animation
-Recording Studio: Pro Tools studio, and in-house record label, "Mainstream Records" bringing music back to Richmond, Indiana the birthplace of jazz recording.

12 Fully furnished studio apartments, with 7" loft, utilities included, free WiFi. Great for college students.
-------------------------------------------------------------------------------------------------
My financial situation:
I am a good candidate for this loan because I have the income to support this loan as it is already.. Plus once my building is finished with remodeling I will have (12) studio apartments making me $1500/month EACH, (8) of those leases already signed and waiting to move in.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522961
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: $10,000 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: Sep-1998 Debt/Income ratio: 17%
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 42 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,177Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: Yes  
Screen name: organized-deal1 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
Breathalyzer Business Expansion
Purpose of loan:
This loan will be used to expand my Breathalyzer Vending Machine business due to increasing demand. The machines have two sources of profit generation; patrons paying to use the machines(which we split with the bar owner) and ad space on the 12" LCD screen (All ad sales money stays with us).

My financial situation: I am employed full time as a business teacher at a vocational school and I have the most seniority on my tenure track. I have a rental property that is fully rented and turning a steady profit.

I am a good candidate for this loan because...current profits can cover the loan payment.

Monthly net income: $9000 (mine and wife's income)
Monthly expenses: $
Housing: $ 2400
Insurance: $ 166
Car expenses: $650
Utilities: $150
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522967
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): 3 First credit line: May-2002 Debt/Income ratio: Not calculated
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 4 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,766Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: multiplier682 Borrower's state: Mississippi 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: Consolidate Debt
This loan will be used to... Consolidate my debt under one loan

My financial situation: Good
I am a good candidate for this loan because...
I am currently employed by my company in which I am a part owner. I have a good record of repaying loans (example: I own my vehicle which cost approximately $12,000)

Monthly net income: $ 2000
Monthly expenses: $ 300
Housing: $ 350
Insurance: $120
Car expenses: $200
Utilities: $130
Phone, cable, internet: $0
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522985
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): 2 First credit line: Apr-1967 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:13y 1m
Amount delinquent: $0 Total credit lines: 14 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $122,630Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: payment-leaper755 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
I'm selling a rental property
Purpose of loan:
This loan will be used to purchase a vehicle that I need immediately to advance my Worldwide Telecards business

My financial situation:
I am a good candidate for this loan because I am currently selling a rental property that I own. The proceeds from this sale will allow me to pay off this loan in just a few months, rather than 3 years.


Monthly net income: $5,200
Monthly expenses: $3,394
Housing: $1,025
Insurance: $238 (health insurance)
Car expenses: $140
Utilities: $40
Phone, cable, internet: $31
Food, entertainment: $150
Clothing, household expenses: $30
Credit cards and other loans: $1,740
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523027
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): 7 First credit line: Oct-1993 Debt/Income ratio: 13%
Credit score: 640-659 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:9y 11m
Amount delinquent: $0 Total credit lines: 24 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,746Stated income:$75,000-$99,999
Delinquencies in last 7y: 7 Bankcard utilization: 82%  
   Homeownership: No  
Screen name: heavenly-deal2 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
heavenly-deal2
Purpose of loan:
This loan will be used to...consolidate debt

My financial situation: Minnesota Power Employees Credit Union
I am a good candidate for this loan because...


Monthly net income: $3300.00
Monthly expenses: $
Housing: $600
Insurance: $75.00
Car expenses: $500
Utilities: $200
Phone, cable, internet: $140
Food, entertainment: $200
Clothing, household expenses: $75
Credit cards and other loans: 200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523051
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-1995 Debt/Income ratio: 40%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:30y 2m
Amount delinquent: $0 Total credit lines: 24 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $25,247Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: golden-deal5 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
MRS.
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523079
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 12.90% Borrower rate/APR: 13.90% / 16.06% Monthly payment: $255.97
 
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-1985 Debt/Income ratio: 34%
Credit score: 820-839 (Aug-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:6y 11m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,034Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: Yes  
Screen name: studious-openness2 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal Loan
Purpose of loan:
This loan will be used to...Home Improvement

My financial situation:
I am a good candidate for this loan because... good credit rating & bill paying history
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523081
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 3.80%  
Term: 12 months  
 
Lender yield: 9.70% Borrower rate/APR: 10.70% / 16.51% Monthly payment: $661.81
 
Lender servicing fee: 1.00% Effective Yield*: 9.67%  
Estimated return*: 5.87%  
* 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): 9 First credit line: Nov-1998 Debt/Income ratio: 16%
Credit score: 740-759 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 15 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,869Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: basis-commander3 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate High Interest Cards
Purpose of loan:
This loan will be used to pay off two credit cards with high interest rates (21.24% & 29.99%).

My financial situation:
I am a good candidate for this loan because I have a good credit score, stable income, and excellent repayment history.

Thank you for your consideration
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523085
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: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $326.55
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-1999 Debt/Income ratio: Not calculated
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 7 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $870Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: No  
Screen name: chooser7 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
Ms
Purpose of loan:
This loan will be used to expand the business.

My financial situation:
I am a good candidate for this loan because...I pay my bills on time and all I truly have is my good credit. I know the business will be successful because it is currently doing great. I know this is the perfect time to expand because there is more work that the business can currently handle.


Monthly net income: $4000
Monthly expenses: $300
Housing: $325
Insurance: $50
Car expenses: $0
Utilities: $200
Phone, cable, internet: $50
Food, entertainment: $50
Clothing, household expenses: $50
Credit cards and other loans: $0
Other expenses: $
0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523091
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): 2 First credit line: Apr-1999 Debt/Income ratio: Not calculated
Credit score: 740-759 (Aug-2011) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 41Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,093 
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: best-commerce-wrangler 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 personal loan for my business
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523115
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): 5 First credit line: Nov-1991 Debt/Income ratio: 21%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 6 / 4Length of status:2y 2m
Amount delinquent: $736 Total credit lines: 48 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $124Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 15%  
   Homeownership: No  
Screen name: forthright-leverage 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
Need to Consolidate
Purpose of loan:
This loan will be used to...consolidate and college expenses

My financial situation:
I am a good candidate for this loan because...I have a stable job and have been employed for 2 years 4 months. My expenses are my portion of the expenses

Monthly net income: $3000
Monthly expenses: $
Housing: $ 1000
Insurance: $ 115 (auto)
Car expenses: $417
Utilities: $125
Phone, cable, internet: $205.00
Food, entertainment: $100.00
Clothing, household expenses: $25.00
Credit cards and other loans: $150
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523127
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $204.10
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1980 Debt/Income ratio: 26%
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 25 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $41,295Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: lesson136 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
Consolidate Debt
Purpose of loan:
This loan will be used to consolidate some debt.

My financial situation:
I am a good candidate for this loan because i have always been current on my accounts and I now have a budget that allows me $1000 over my minimum credit card payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523139
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $152.42
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
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-1991 Debt/Income ratio: 14%
Credit score: 660-679 (Aug-2011) Inquiries last 6m: 2Employment status:Other
Now delinquent: 1 Current / open credit lines: 6 / 7Length of status:38y 2m
Amount delinquent: $124 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $69,517Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: showcase086 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
bak
Purpose of loan:
This loan will be used to...

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


Monthly net income: $5500
Monthly expenses: $
Housing: $2057
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 523151
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,000 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $130.65
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
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: Jun-1992 Debt/Income ratio: 9%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 0 / 0Length of status:2y 7m
Amount delinquent: $835 Total credit lines: 34 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 36 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: p2p-emperor1 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Bill Loan
Purpose of loan:
This loan will be used to catch up on some bills
My financial situation:
I am a good candidate for this loan because i am building my credit and pay my bills on-time


Monthly net income: $4016.00
Monthly expenses: $200
Housing: $1380.00
Insurance: $130.00
Car expenses: $0
Utilities: $400.00
Phone, cable, internet: $135.00
Food, entertainment: $ 300.00
Clothing, household expenses: $ 50.00
Credit cards and other loans: $124.00
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523157
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): 6 First credit line: May-1993 Debt/Income ratio: 24%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 18Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 31 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,948Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: punctual-value1 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
Business for retire father
Purchase of established concession business at local flea market/swap meet. Donut making machine and trailer are primary value of the purchase. My retire father (retired baker) will be working the stand. My wife and I will be assisting with accounting, marketing etc. My kids will provide some low cost labor as well. :)

Qualification:
I am the CFO of a software company recently named to the INC 500 (top 200). In the event the business does not pan out, liquidation value is in excess of the loan. We have retirement funds that can be tapped to pay loan payments in event that business proceeds are not sufficient.

Monthly income: Personal: $10,416 Household: $12,916
Housing: $2000
Insurance: $380
Car expenses: $657.45 (On credit report, two car loans, but $377 loan is on final payment next month)
Utilities: $200
Phone, cable, internet: $170
Food, entertainment: $600
Clothing, household expenses: $150
Credit cards and other loans: $681
Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523175
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: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $326.55
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jul-1998 Debt/Income ratio: 16%
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:13y 5m
Amount delinquent: $0 Total credit lines: 43 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,864Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: newest-leverage-idol 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
Personal Debt Consolidation
Purpose of loan:
This loan will be used to consolidate my credit card debt.

My financial situation:
I am a good candidate for this loan because I continually repay my debts

Monthly net income: $ 4800
Monthly expenses: $ 4750
Housing: $ 1895
Insurance: $ 100
Car expenses: $ 342
Utilities: $ 80
Phone, cable, internet: $ 25
Food, entertainment: $ 150
Clothing, household expenses: $ 100
Credit cards and other loans: $ 450
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523263
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): 6 First credit line: Aug-1999 Debt/Income ratio: 7%
Credit score: 660-679 (Aug-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 2 Current / open credit lines: 4 / 2Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 31 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $225Stated income:$75,000-$99,999
Delinquencies in last 7y: 52 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: determined-repayment676 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
My loan for debt consolidation
Purpose of loan:
This loan will be used to pay off existing debt in order to free up cash flow

My financial situation:
I am a good candidate for this loan because I always repay my debts and have the means to do so.


Monthly net income: $5250
Monthly total expenses: $5050
Housing: $1600
Insurance: $100
Car expenses: $800
Utilities: $200
Phone, cable, internet: $250
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $1500
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523365
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,800.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 2.60%  
Term: 12 months  
 
Lender yield: 8.29% Borrower rate/APR: 9.29% / 15.08% Monthly payment: $245.24
 
Lender servicing fee: 1.00% Effective Yield*: 8.27%  
Estimated return*: 5.67%  
* 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): 8 First credit line: Oct-1998 Debt/Income ratio: 16%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 13 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,050Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: spirited-transaction5 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 680-699 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
720-739 (Dec-2010)
 
Principal balance: $2,241.54 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Home Improvement - Patio
Purpose of loan:
This loan will be used to improve the exterior of my house, the backyard patio. After purchasing the house last year, it's been fully remodeled inside, so it's turn to work on the outside.

My financial situation:
I am a good candidate for this loan because I have a very stable job and ability to pay the monthly obligations.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523377
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 2.60%  
Term: 36 months  
 
Lender yield: 9.29% Borrower rate/APR: 10.29% / 12.40% Monthly payment: $81.01
 
Lender servicing fee: 1.00% Effective Yield*: 9.26%  
Estimated return*: 6.66%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jan-1988 Debt/Income ratio: 8%
Credit score: 740-759 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 4Length of status:27y 10m
Amount delinquent: $0 Total credit lines: 20 Occupation: Professional
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $146Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: Riverblack 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 / 2 On-time: 48 ( 98% ) 740-759 (Latest)
Principal borrowed: $3,000.00< 31 days late: 1 ( 2% )  
740-759 (May-2010)
600-619 (Feb-2008)
 
Principal balance: $1,287.44 31+ days late: 0 ( 0% )
Total payments billed: 49  
Description
Payoff small debts
Purpose of loan:
This loan will be used to... to pay off several small loans including my first prosper loan of 1291.00 remaining balance

My financial situation: good currently employed no changes in household income.

I am a good candidate for this loan because..monthly payment.will be taken directly from my bank account, I have no other debt outside of monthly expenses for housing, utilities, auto, food, etc. I have paid one other loan through prosper off and have shown consistent monthly withdraws from bank with no issues.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523407
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $122.46
 
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-2001 Debt/Income ratio: 16%
Credit score: 760-779 (Aug-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 15 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $10,736Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: new-unbeatable-principal 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
Hard-working man
Purpose of loan:
This loan will be used to set up an office for my wife to provide tax preparation and others services.

My financial situation:
I am a good candidate for this loan because i have a good income, i have a estable job and im very responsible with my payments.

Monthly net income: $7,000
Monthly expenses: $2,275
Housing: $600.00
Insurance: $200
Car expenses: $500
Utilities: $150
Phone, cable, internet: $350
Food, entertainment: $100
Clothing, household expenses: $200
Credit cards and other loans: $175
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523413
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $195.97
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-2004 Debt/Income ratio: 8%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:9y 6m
Amount delinquent: $0 Total credit lines: 2 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: rapid-commitment8 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
Personal loan
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523419
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): 2 First credit line: Oct-1998 Debt/Income ratio: 27%
Credit score: 640-659 (Aug-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:6y 4m
Amount delinquent: $0 Total credit lines: 41 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $186Stated income:$50,000-$74,999
Delinquencies in last 7y: 21 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: positivesista80 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 5 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
640-659 (Nov-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 5  
Description
New baby... New kitchen
Purpose of loan: Kitchen renovation

This loan will be used to renovate our outdated, unsanitary, dysfunctional 1980s kitchen.

I am a good candidate for this loan because I always pay my bills on time and have repaid a previous prosper loan with no issues. I did file for bankruptcy in 2009, but have since worked hard to rebuild my credit by maintaining and consistently paying my care note monthly, as well well paying off my one credit card each month. Additionally, within the next few months I will pay off my home and have more flexibility with my income which will allow for repaying this loan as well.

Finally, we are expecting our second child soon and have a real need to update our kitchen as soon as possible for safety and functionality reasons.

We truly value and appreciate any assistance anyone can make on our behalf and look forward to being another Prosper loan success story!

Thank you :-)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523425
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: Sep-1978 Debt/Income ratio: 10%
Credit score: 780-799 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:22y 6m
Amount delinquent: $0 Total credit lines: 23 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,441Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   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 523437
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 10.00%  
Term: 36 months  
 
Lender yield: 22.99% Borrower rate/APR: 23.99% / 27.47% Monthly payment: $78.46
 
Lender servicing fee: 1.00% Effective Yield*: 22.43%  
Estimated return*: 12.43%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1992 Debt/Income ratio: 21%
Credit score: 660-679 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:8y 6m
Amount delinquent: $0 Total credit lines: 41 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $78,173Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: Ducatiman1978 Borrower's state: Florida Borrower's group: Virginia Tech Alumni
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 10 ( 77% ) 660-679 (Latest)
Principal borrowed: $2,000.00< 31 days late: 3 ( 23% )  
760-779 (Jul-2010)
720-739 (Dec-2006)
720-739 (Oct-2006)
 
Principal balance: $682.46 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Reinvesting in Prosper
Purpose of loan:
This loan will be used to... Reinvesting in Prosper

My financial situation:
I am a good candidate for this loan because...I have had no late payments or missed payments in nearly 10 years.


Monthly net income: $6300
Monthly expenses: $3000
Housing: $1500
Insurance: $100
Car expenses: $0
Utilities: $400
Phone, cable, internet: $250
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $250
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523455
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $180.74
 
Lender servicing fee: 1.00% Effective Yield*: 16.69%  
Estimated return*: 10.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-1993 Debt/Income ratio: 15%
Credit score: 660-679 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 33 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,763Stated income:$100,000+
Delinquencies in last 7y: 23 Bankcard utilization: 58%  
   Homeownership: No  
Screen name: wise-forceful-durability 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/Medical
Purpose of loan:

This loan will be used to payoff a credit card ($1,400), to pay for replacement spark plugs and front struts for my Ford Escape (about $1,000), and also pay for a replacement crown for one of my molars.

My financial situation:

I am a good candidate for this loan because I have high income and good payment history over the last five years. I had some credit problems in 2005-2006 but they have not been repeated. Because of my job--attorney--a judgment or other major financial trouble would be too damaging to permit.

Monthly net income: $7854
Monthly expenses: $600
Housing: $850 (monthly rent)
Insurance: $300 (car insurance plus health insurance)
Car expenses: $450
Utilities: $150
Phone, cable, internet: $200
Food, entertainment: $500
Clothing, household expenses: $200
Credit cards and other loans: $1200
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 523491
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 12.90% Borrower rate/APR: 13.90% / 16.06% Monthly payment: $341.29
 
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: Apr-2005 Debt/Income ratio: 14%
Credit score: 780-799 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 21 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $59Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 19%  
   Homeownership: Yes  
Screen name: red-peso-perfume 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
Seeking Personal Loan
Purpose of loan: Leverage for business startup costs
This loan will be used to obtain a business account, and leverage for a business loan through the SBA

My financial situation: I am a professional working in my field. I make in excess of 6-figures and own a home in San Diego county.
I am a good candidate for this loan because I have a good credit profile, a history of timely payments, and will be paying this loan off punctually.
Information in the Description is not verified.