Listing Report:Supplement No. 2 dated Sep 22, 2011 to Prospectus dated Sep 21, 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 Sep 21, 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 Sep 21, 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 526539
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: Feb-2010 Debt/Income ratio: 53%
Credit score: 680-699 (Sep-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 2 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $369Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: sympathetic-currency3 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My first new car
Purpose of loan:
This loan will be used to...

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

I recieve SSI of 653.00 and I live with my parents, I really want to get a nice pretty little car!

Monthly net income: $653.00 Social security disability income plus my Parents give me 300.00 monthly

Monthly expenses: $50.00 credit card payment
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528017
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: Apr-1994 Debt/Income ratio: 16%
Credit score: 700-719 (Sep-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 15 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,742Stated income:$25,000-$49,999
Delinquencies in last 7y: 19 Bankcard utilization: 76%  
   Homeownership: No  
Screen name: 47forgotten 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
Funeral expenses and back taxes
Purpose of loan: back taxes and funeral expenses
This loan will be used to...pay off funeral expenses from 3 family members who died all within a 6 month period and back taxes
My financial situation:
I am a good candidate for this loan because...I have a steady income, I just need to cover these extras


Monthly net income: 3,445.00$ Monthly expenses: 2305.00
Housing: $727.00
Insurance: $210.62
Car expenses: $252.00
Utilities: $160.00
Phone, cable, internet: $175.00
Food, entertainment: $500.00 month
Clothing, household expenses: $?
Credit cards and other loans: $280.00 Other expenses Gas 120.00 month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528125
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $11,000 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 12.90% Borrower rate/APR: 13.90% / 16.06% Monthly payment: $375.42
 
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: Oct-1989 Debt/Income ratio: 22%
Credit score: 800-819 (Sep-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 31 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,433Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: the-point-motivator 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
mountain top
Purpose of loan:
This loan will be used to...to cnsolidate some bills to lower monthly payments from 800 down to 375

My financial situation:
I am a good candidate for this loan because...
I am a hard worker and I always pay my bills. I am willing to let the loan payment be deducted from my account automatically.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528179
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,500 Estimated loss*: 10.00%  
Term: 36 months  
 
Lender yield: 22.99% Borrower rate/APR: 23.99% / 27.47% Monthly payment: $215.75
 
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: May-1998 Debt/Income ratio: 63%
Credit score: 740-759 (Sep-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 22Length of status:6y 7m
Amount delinquent: $0 Total credit lines: 45 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,656Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: Meg63 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 23 ( 100% ) 740-759 (Latest)
Principal borrowed: $11,100.00< 31 days late: 0 ( 0% )  
740-759 (Jul-2011)
740-759 (Jun-2011)
720-739 (Jun-2010)
740-759 (May-2010)
 
Principal balance: $1,360.49 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Combining credit cards
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528695
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: $7,500 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: Oct-1997 Debt/Income ratio: 18%
Credit score: 700-719 (Sep-2011) Inquiries last 6m: 9Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:7y 8m
Amount delinquent: $0 Total credit lines: 11 Occupation: Car Dealer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,852Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: diversification-buddy425 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
diversification-buddy425
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528769
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: $10,000 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: Nov-2000 Debt/Income ratio: 29%
Credit score: 640-659 (Sep-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 17Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 32 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,591Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: funds-igniter8 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Jumpstart
Purpose of loan:
This loan will be used to pay off high interest rate credit card debts

My financial situation:
I am a good candidate for this loan because I keep my promises and never late with my monthly payments.


Monthly net income: $ 3700
Monthly expenses: $ 2900
Housing: $ 700
Insurance: $ 125
Car expenses: $160
Utilities: $ 100
Phone, cable, internet: $ 200
Food, entertainment: $ 300
Clothing, household expenses: $ 100
Credit cards and other loans: $ 1000
Other expenses: $ 175
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528773
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: Jul-1999 Debt/Income ratio: Not calculated
Credit score: 720-739 (Sep-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 5Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 20 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,394Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: Yes  
Screen name: jmb83179 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 another Car
Purpose of loan: Auto
This loan will be used to... Buy another car

My financial situation:I am a great candidate for this loan because I have never defaulted and payments are always on time.My current credit score is 718. My wife and I together have 5 jobs and I am going to school.She needs a car to drive 8 city blocks so she doesn't have to walk to work anymore in the winter

Monthly net income: $3920
Monthly expenses: $1591
Housing: $475
Insurance: $120
Car expenses: $316
Utilities: $225
Phone, cable, internet: $60
Food, entertainment: $180
Clothing, household expenses: $90
Credit cards and other loans: $125
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528775
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: Feb-1987 Debt/Income ratio: 24%
Credit score: 680-699 (Sep-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 28 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $90,751Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: robust-bill8 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
Consolidate debt
Purpose of loan:
This loan will be used to..pay debt.

My financial situation:
I am a good candidate for this loan because...I have never missed a payment in 25 yrs of having credit


Monthly net income: $10000
Monthly expenses: $
Housing: $2300
Insurance: $289
Car expenses: $850
Utilities: $180
Phone, cable, internet: $75
Food, entertainment: $1000
Clothing, household expenses: $
Credit cards and other loans: $2000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528787
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: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $542.21
 
Lender servicing fee: 1.00% Effective Yield*: 16.69%  
Estimated return*: 10.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Mar-1986 Debt/Income ratio: 20%
Credit score: 760-779 (Sep-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:23y 5m
Amount delinquent: $0 Total credit lines: 41 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $81,945Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: riveting-contract8 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
bigdaddy
Purpose of loan:
This loan will be used to...

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $13000.00
Other expenses: $2000.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528793
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $244.92
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1990 Debt/Income ratio: 38%
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:10y 5m
Amount delinquent: $0 Total credit lines: 18 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $46,452Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: No  
Screen name: community-zoo111 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
taxes
Purpose of loan:
This loan will be used to...

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


Monthly net income: $ 4800
Monthly expenses: $ 2260.00
Housing: $ 700.00
Insurance: $ 100.00
Car expenses: $ 0
Utilities: $ 150.00
Phone, cable, internet: $ 60.00
Food, entertainment: $ 350.00
Clothing, household expenses: $ 200.00
Credit cards and other loans: $500.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528797
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: Jul-1989 Debt/Income ratio: 28%
Credit score: 680-699 (Sep-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 8Length of status:25y 6m
Amount delinquent: $508 Total credit lines: 43 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,108Stated income:$50,000-$74,999
Delinquencies in last 7y: 29 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: best-skillful-return 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
personal
Purpose of loan:
This loan will be used to...

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


Monthly net income: $4500
Monthly expenses: $
Housing: $
Insurance: $158
Car expenses: $209
Utilities: $110
Phone, cable, internet: $280
Food, entertainment: $300
Clothing, household expenses: $150
Credit cards and other loans: $1600
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528799
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 17.00%  
Term: 36 months  
 
Lender yield: 30.25% Borrower rate/APR: 31.25% / 34.89% Monthly payment: $86.28
 
Lender servicing fee: 1.00% Effective Yield*: 28.48%  
Estimated return*: 11.48%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Jan-2002 Debt/Income ratio: Not calculated
Credit score: 600-619 (Sep-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 6 Current / open credit lines: 12 / 14Length of status:0y 3m
Amount delinquent: $3,904 Total credit lines: 41 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,395Stated income:$25,000-$49,999
Delinquencies in last 7y: 18 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: SchumpDR Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,400.00< 31 days late: 0 ( 0% )  
580-599 (Jun-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
...And your little dog too
This loan will be used to...take dogs to Vet.

I have a few hundred dollars in veterinary bills come up for care of pug and little mutt. Next couple paychecks already committed to bills and recent auto repair, but want to go ahead and get dogs taken care of. Pug needs his shots and mutt has hip-displaysia issues. I really only need about $ 400-500 so I can cover dogs and bills, however minimum loan amount is $2,000.

I am a good candidate for this loan because...I am presently employed with income greater than my current expenses. This loan needed so I can take care of dogs now instead of making them wait until February.


Monthly net income: $ 2,200
Monthly expenses: $ 1,687
Housing: $ 200
Insurance: $ 140
Car expenses: $ 90
Utilities: $ 150
Phone, cable, internet: $ 107
Food, entertainment: $ 350
Clothing, household expenses: $ 150
Credit cards and other loans: $ 400
Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528811
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: Apr-1985 Debt/Income ratio: 28%
Credit score: 680-699 (Sep-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $150Stated income:$50,000-$74,999
Delinquencies in last 7y: 29 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: hard-working-note9 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
Male
Purpose of loan:
This loan will be used to...to pay property taxes

My financial situation:
I am a good candidate for this loan because...I can afford to pay this loan back on time.
Monthly expenses 3500



Monthly net income: $4750
Monthly expenses: $35ousing: $2150
Insurance: $168
Car expenses: $515
Utilities: $250
Phone, cable, internet: $160
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $328
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528819
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*: 10.00%  
Term: 36 months  
 
Lender yield: 22.99% Borrower rate/APR: 23.99% / 27.47% Monthly payment: $392.28
 
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: Aug-1995 Debt/Income ratio: 35%
Credit score: 680-699 (Sep-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 19Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 46 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,159Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: No  
Screen name: brighterFuture 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 61 ( 98% ) 680-699 (Latest)
Principal borrowed: $26,090.00< 31 days late: 1 ( 2% )  
700-719 (Dec-2009)
720-739 (Nov-2007)
700-719 (Sep-2007)
680-699 (Apr-2006)
 
Principal balance: $2,461.98 31+ days late: 0 ( 0% )
Total payments billed: 62  
Description
Re-organization after home purchase
This loan will be used to consolidate and get back afloat. I recently purchased a home, used up much of my savings and bought a few appliances, furniture, etc..hence my utilization has risen as a result. I?m in need of a boost to re-organize my finances.
My record speaks for itself as I have proven to be a person of my word time and time again.
Thanks in advance! And I was never late - the 1 late payment is an in house error that was never fixed!

Will be glad to answer any specific questions.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528829
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*: 13.00%  
Term: 36 months  
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $214.98
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%  
Estimated return*: 15.61%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-1974 Debt/Income ratio: 22%
Credit score: 640-659 (Sep-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 17 / 17Length of status:24y 5m
Amount delinquent: $4,177 Total credit lines: 49 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,948Stated income:$75,000-$99,999
Delinquencies in last 7y: 8 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: peterlou45 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 52 ( 96% ) 640-659 (Latest)
Principal borrowed: $10,000.00< 31 days late: 2 ( 4% )  
700-719 (Jan-2010)
700-719 (Jun-2008)
 
Principal balance: $2,857.02 31+ days late: 0 ( 0% )
Total payments billed: 54  
Description
home repair
Purpose of loan:
This loan will be used to..for some home repair not covered by insurance from storm Irene

My financial situation: Is good but tight right now effects of the economy
I am a good candidate for this loan because...of my past history with prosper and your invitations to come back for a loan.


Monthly net income: $6300
Monthly expenses: $4500
Housing: $3200
Insurance: $80
Car expenses: $339
Utilities: $140
Phone, cable, internet: $140
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $250
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528855
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 2.60%  
Term: 36 months  
 
Lender yield: 10.29% Borrower rate/APR: 11.29% / 13.41% Monthly payment: $131.50
 
Lender servicing fee: 1.00% Effective Yield*: 10.26%  
Estimated return*: 7.66%  
* 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: Oct-1997 Debt/Income ratio: 6%
Credit score: 700-719 (Sep-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:6y 1m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $207Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: 1XLoan 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 4 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
680-699 (Oct-2010)
640-659 (Aug-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 4  
Description
Emergency Travel
This loan will be used for an emergency last minute trip for my parents to visit with family in Mexico, unfortunately my mother became ill in the past year and she has decided to spend some time visiting her family and childhood friends.

My income has been budgeted for and unfortunatly, this is a last minute decision that would significantly alter my budget, so this loan will serve to alleviate some of the potential stress.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528861
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $9,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $387.79
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-2005 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Sep-2011) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 19 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $827Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: stylish-p2p0 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
Family Emergency
Purpose of loan:
This loan will be used to fund a sudden family emergency

My financial situation:
I am a good candidate for this loan because I pay all my bills on time and have excellent management skills.


Monthly net income: $ 4,500
Monthly expenses:
Housing: $ 691
Insurance: $ 271
Car expenses: $ 308
Utilities: $ 90
Phone, cable, internet: $ 70
Food, entertainment: $ 250
Clothing, household expenses: $
Credit cards and other loans: $ 300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528867
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $387.79
 
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-1997 Debt/Income ratio: 23%
Credit score: 720-739 (Sep-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:8y 5m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,520Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: trustworthy-bid049 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Loan
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 527564
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $244.92
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Sep-1986 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Sep-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:20y 0m
Amount delinquent: $0 Total credit lines: 24 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,938Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: agreement-volcano7 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
OWNER/CEO
Purpose of loan:
This loan will be used to..help expand business with automation.

My financial situation:
I am a good candidate for this loan because my credit score is good
and I pay my debts reliably


Monthly net income: $8,000
Monthly expenses: $6000
Housing: $1700
Insurance: $600
Car expenses: $370
Utilities: $400
Phone, cable, internet: $350
Food, entertainment: $1200
Clothing, household expenses: $500
Credit cards and other loans: $1200
Other expenses: $760
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 527712
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: Aug-1978 Debt/Income ratio: 18%
Credit score: 660-679 (Sep-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 8Length of status:20y 9m
Amount delinquent: $370 Total credit lines: 22 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,820Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: best-interest-dominator Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
new business
Purpose of loan: Complete money needed to purchase an existing business.
This loan will be used to... fund an established children's resale business

My financial situation: good
I am a good candidate for this loan because... Have been at my job 20+ years. Repay all my bills


Monthly net income: $ 3,800.00
Monthly expenses: $
Housing: $ 1800.00 includes insurance and tax
Insurance: $
Car expenses: $ 545.00
Utilities: $ 100.00
Phone, cable, internet: $ 160.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $ 260.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528136
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $8,050 Estimated loss*: 1.95%  
Term: 36 months  
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 9.33% Monthly payment: $365.64
 
Lender servicing fee: 1.00% Effective Yield*: 7.99%  
Estimated return*: 6.04%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Sep-1980 Debt/Income ratio: 12%
Credit score: 780-799 (Sep-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 17 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,506Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: wonderful-power1 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
wonderful-power 1
Purpose of loan:
This loan will be used to consolidate debts to get finances in better order so I can retire someday.
My financial situation:
I am a good candidate for this loan because.I am old, and German. I pay my bills. I am employed full time but would like to have these bills payed off in the near future so I can plan retirement. I am single again. but my credit score has risen consistently since my divorce. ..
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528624
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*: 3.80%  
Term: 36 months  
 
Lender yield: 12.90% Borrower rate/APR: 13.90% / 16.06% Monthly payment: $85.32
 
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-1994 Debt/Income ratio: 13%
Credit score: 800-819 (Sep-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:7y 0m
Amount delinquent: $0 Total credit lines: 34 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,938Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: inventive-rate3 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
kayak
Purpose of loan:
This loan will be used to...to purchase a kayak which is my hobby

My financial situation:
I am a good candidate for this loan because... I owe nothing and have exceptional credit
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528722
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 12.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jun-1982 Debt/Income ratio: Not calculated
Credit score: 700-719 (Sep-2011) Inquiries last 6m: 3Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 20Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,111 
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: gain-songbird5 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
granddaughter
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2,000
Monthly expenses: $1,200
Housing: $615.00
Insurance: $
Car expenses: $
Utilities: $60.00
Phone, cable, internet: $45.00
Food, entertainment: $100.00
Clothing, household expenses: $25.00
Credit cards and other loans: $300.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528776
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): 6 First credit line: Mar-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Sep-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:10y 0m
Amount delinquent: $0 Total credit lines: 14 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,650Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: No  
Screen name: Danickita Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 700-719 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
740-759 (May-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Getting ride of Debs
Purpose of loan:
This loan will be used to eliminate all credit cards debs with this loan i will reduce my interest from the credit cards by 60%.

My financial situation:
I am a good candidate for this loan because i have been paying always on time is my second loan with prosper and i always paid on time


Monthly net income: $60k/year
Monthly expenses: $800/month
Housing: is pay by my husband
Insurance: husband :)
Car expenses: paid
Utilities: pay by husband
Phone, cable, internet: 99
Food, entertainment: $200
Clothing, household expenses: $150
Credit cards and other loans: $ 600 that i will eliminate with this loan

God bless you all
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528786
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $204.10
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-1992 Debt/Income ratio: 28%
Credit score: 720-739 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 14 / 9Length of status:6y 2m
Amount delinquent: $201 Total credit lines: 40 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,607Stated income:$50,000-$74,999
Delinquencies in last 7y: 18 Bankcard utilization: 44%  
   Homeownership: No  
Screen name: gain-chorus 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
All Is Well
Purpose of loan:
This loan will be used to...To Pay-Off additional medical bills that are hurting my credit and also assist my mother with some of her bills.

My financial situation: Bank of America
I am a good candidate for this loan because...I work hard to try to pay all my bill on time, with some bumps in the road I feel I am doing ok.


Monthly net income: $4333
Monthly expenses: $2500
Housing: $0
Insurance: $180 pm
Car expenses: $368
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $100
Clothing, household expenses: $d00
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528802
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: Mar-1995 Debt/Income ratio: 7%
Credit score: 660-679 (Sep-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:24y 6m
Amount delinquent: $0 Total credit lines: 5 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,458Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: commerce-destiny 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
Regency
Purpose of loan:
This loan will be used to upgrade home, painting, replacing doors and knobs, flooring and sodding.

My financial situation:
I am a good candidate for this loan because there are no outstanding large loans and very little debt owed.


Monthly net income: $13,500
Monthly expenses: $1200
Housing: $250
Insurance: $250
Car expenses: $
Utilities: $150
Phone, cable, internet: $45
Food, entertainment: $200
Clothing, household expenses: $150
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528804
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 11.20%  
Term: 12 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 34.11% Monthly payment: $190.08
 
Lender servicing fee: 1.00% Effective Yield*: 23.40%  
Estimated return*: 12.20%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-1989 Debt/Income ratio: Not calculated
Credit score: 740-759 (Sep-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:13y 6m
Amount delinquent: $0 Total credit lines: 31Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,039 
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: Yes  
Screen name: green28 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
Improve Credit Score!
Purpose of loan:
This loan will be used to improve credit score and avoid Big Banks!

My financial situation:
I am a good candidate for this loan because I am also a lender with Prosper. I really have enjoyed my experience with Prosper.


Monthly net income: $750
Monthly expenses: $
Housing: $0
Insurance: $100
Car expenses: $0
Utilities: $100
Phone, cable, internet: $150
Food, entertainment: $150
Clothing, household expenses: $50
Credit cards and other loans: $150
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528808
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 2.60%  
Term: 12 months  
 
Lender yield: 8.29% Borrower rate/APR: 9.29% / 15.08% Monthly payment: $437.93
 
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: Jan-1998 Debt/Income ratio: 29%
Credit score: 700-719 (Sep-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 5Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 15 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,390Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 38%  
   Homeownership: No  
Screen name: rcxgza 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
740-759 (Oct-2010)
620-639 (Feb-2008)
 
Principal balance: $1,803.80 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Getting Married
Purpose of loan:
This loan will be used to help with paying for the rest of our wedding. Our parents and family helped with most of the costs, however we are estimating it to go slightly over budget. We would like a loan to help cover the rest of the unexpected costs.

My financial situation:
I am a good candidate for this loan because a number of things:
1) I am working full-time at an investment firm as an analyst. My job is very secure and I plan to stay here for a long time.
2) I currently have another prosper loan that I have paid off more than half of in less than a year. Shows I am very good with my payments!
3) My fiancee will also help me with payments as she knows that this is for our wedding.
4) In our culture, some guests from our wedding bring money as gifts. Therefore, we will have some money collected from the wedding that can contribute to paying back our loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528840
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,644.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $4,650.80 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $240.16
 
Lender servicing fee: 1.00% Effective Yield*: 16.69%  
Estimated return*: 10.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-2007 Debt/Income ratio: 12%
Credit score: 760-779 (Sep-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 2 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $122Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: inventive-bazaar4 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
slowhand
Purpose of loan:School Tuition
This loan will be used to... pay for school

My financial situation:Steady just need a head start on school needs
I am a good candidate for this loan because... I finally doing something worth while in my life and want to make it to the top. Me and my wife are newly weds and she has never been out of state before. I would for this to an enjoyable experience for her as it already been hard on her to move from her family. I know this loan wil help ease some stress.


Monthly net income: $1500
tithe $210
Housing: $200
Insurance: $130
Car expenses: $0
Utilities: $0
Phone, cable, internet: $156
Food, entertainment: $50
Clothing, household expenses: $100
Credit cards and other loans: $0
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528848
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: Apr-2006 Debt/Income ratio: 22%
Credit score: 660-679 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:5y 6m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,991Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: brainy-duty2 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
Thanks to all investors
Purpose of loan:
This loan will be used to boost the very promissing business I launched to supplement my income after my divorce.

My financial situation:
I am a good candidate for this loan because I have never been late with any payment. My credit card balances are high because of my divorce but I settled everything without further damages. The whole point of this effort is to generate additional revenue so I can pay off all my debts.


Monthly net income: $2400
Monthly expenses: $2100 (total)
Housing: $755
Insurance: $100
Car expenses: $350
Utilities: $100
Phone, cable, internet: $120
Food, entertainment: $350
Clothing, household expenses: $125
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528852
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $343.40
 
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: Nov-1996 Debt/Income ratio: 17%
Credit score: 740-759 (Sep-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:8y 8m
Amount delinquent: $0 Total credit lines: 21 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,988Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: No  
Screen name: compassion-searcher5 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
Lowering montly payments
Purpose of loan:
This loan will be used to consolidate debt.

My financial situation:
I am a good candidate for this loan because I have been at the same company for over 7 years.


Monthly net income: $6,400
Monthly expenses: $4200
Housing: $ 1800
Insurance: $120
Car expenses: $305
Utilities: $200
Phone, cable, internet: $150
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $1100
Other expenses: 125
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528858
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: $14,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $9,800 Estimated loss*: 1.95%  
Term: 60 months  
 
Lender yield: 10.99% Borrower rate/APR: 11.99% / 12.21% Monthly payment: $311.35
 
Lender servicing fee: 1.00% Effective Yield*: 10.98%  
Estimated return*: 9.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Aug-1995 Debt/Income ratio: 11%
Credit score: 840-859 (Sep-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 26 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,027Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: Yes  
Screen name: bright-finance1 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
Home Improvement Loan
Purpose of loan:
This loan will be used to upgrade our HVAC system, upgrading from oil.

My financial situation:
I am a good candidate for this loan because of my good credit history.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528862
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*: 13.00%  
Term: 36 months  
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $214.98
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%  
Estimated return*: 15.61%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: May-1964 Debt/Income ratio: 13%
Credit score: 640-659 (Sep-2011) Inquiries last 6m: 2Employment status:Other
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:13y 7m
Amount delinquent: $657 Total credit lines: 37 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,014Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 36%  
   Homeownership: No  
Screen name: green-riveting-justice 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: 9 ( 100% ) 640-659 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
660-679 (Nov-2010)
 
Principal balance: $3,304.80 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Home Improvment Loan
Purpose of loan:
This loan will be used to replace a 20 year old air conditioner and replace single pane windows.

My financial situation:
I am a good candidate for this loan because I have a good solid income and my bills are currently small.


Monthly net income: $5500
Monthly expenses: $ 2500
Housing: $400
Insurance: $200
Car expenses: $600
Utilities: $200
Phone, cable, internet: $200
Food, entertainment: $ 400
Clothing, household expenses: $200
Credit cards and other loans: $200
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528876
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $285.74
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jan-1990 Debt/Income ratio: 18%
Credit score: 660-679 (Sep-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 5 / 5Length of status:5y 10m
Amount delinquent: $0 Total credit lines: 20 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,051Stated income:$75,000-$99,999
Delinquencies in last 7y: 14 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: revenue-maverick969 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
something for myself
Purpose of loan: cosmetic surgery
This loan will be used to...

My financial situation:
I am a good candidate for this loan because... I have been employed in the same profession for 21 years. I have a good income and I am a responsible adult.


Monthly net income: $ 6800.00
Monthly expenses: $4130.00
Housing: $980.00
Insurance: $200
Car expenses: $720.00
Utilities: $250
Phone, cable, internet: $300
Food, entertainment: $800
Clothing, household expenses: $200
Credit cards and other loans: $180
Other expenses: $500
Information in the Description is not verified.