Listing Report:Supplement No. 45 dated Nov 01, 2011 to Prospectus dated Oct 07, 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 Oct 07, 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 Oct 07, 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 532880
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 23.48% Monthly payment: $276.13
 
Lender servicing fee: 1.00% Effective Yield*: 20.62%  
Estimated return*: 14.67%  
* 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: Jun-1996 Debt/Income ratio: 7%
Credit score: 640-659 (Oct-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 24 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,737Stated income:$75,000-$99,999
Delinquencies in last 7y: 24 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: suave-agreement4 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Purpose of loan:
This loan will be used to...pay off remaining debt to complete closing on the selling of my home. My desire is to move to an area with a better school system for my daughter. Obtaining this loan will allow me to complete this sale and close out my previous mortgage.,My financial situation:
I am a good candidate for this loan because...I have stable employment and I have the ability to make the monthly payments required and to pay this loan off in full before the amount of years offered. This loan will help to make one of my dreams come true sooner than I had ever anticipated.

Monthly net income: $5,368
Monthly expenses: $
Housing: $884.00
Insurance: $83.00
Car expenses: $160.00
Utilities: $250.00
Phone, cable, internet: $165.00
Food, entertainment: $450.00
Clothing, household expenses: $125.00
Credit cards and other loans: $330.00
Other expenses: $672.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 535038
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: $3,200.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,200 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $128.91
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.17%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-2006 Debt/Income ratio: 21%
Credit score: 720-739 (Oct-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 2Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 9 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $702Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: inspiring-trade346 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My motorcycle loan
Purpose of loan:
This loan will be used to purchase a used motorcycle, so i can get back and forth to work cheaply. with gas prices going up it would be extremly nice.

My financial situation:
I am a good candidate for this loan because i have a good credit score and a history of good payments.


Monthly net income: $2700
Monthly expenses: $1000
Housing: $0
Insurance: $100
Car expenses: $360
Utilities: $100
Phone, cable, internet: $40
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536064
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.49% Borrower rate/APR: 31.49% / 35.13% Monthly payment: $237.99
 
Lender servicing fee: 1.00% Effective Yield*: 29.09%  
Estimated return*: 14.39%  
* 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-1996 Debt/Income ratio: 16%
Credit score: 700-719 (Oct-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:11y 0m
Amount delinquent: $0 Total credit lines: 43 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,797Stated income:$75,000-$99,999
Delinquencies in last 7y: 10 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: serene-reward6 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Golden
Purpose of loan: consolidation
This loan will be used to... payoff car loan and some other credit cards

My financial situation: Good
I am a good candidate for this loan because..I have tried very hard to keep my credit clean after me and my wife's BK in December 2005. Having gone through what we did, I have a greater appreciation for my credit and understand the value of having good credit.


Monthly net income: $ 6400.00
Monthly expenses: $4500.00
Housing: $2180.00
Insurance: $330.00
Car expenses: $560.00
Utilities: $223.00
Phone, cable, internet: $120.00
Food, entertainment: $800.00
Clothing, household expenses: $100.00
Credit cards and other loans: $400.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536356
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: $5,000 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 12.90% Borrower rate/APR: 13.90% / 16.06% Monthly payment: $170.65
 
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: Jan-1989 Debt/Income ratio: 10%
Credit score: 760-779 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:10y 1m
Amount delinquent: $0 Total credit lines: 30 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,983Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: Yes  
Screen name: dedication-dolphin Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
gman
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...excellent salary and excellent credit history.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536456
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: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $161.14
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.17%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1998 Debt/Income ratio: 12%
Credit score: 680-699 (Oct-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:6y 5m
Amount delinquent: $0 Total credit lines: 18 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,899Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: a-unbelievable-reward3 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My Personal Loan
Purpose of loan: Debt Reduction
This loan will be used to...Pay off some higher interest debt

My financial situation:
I am a good candidate for this loan because...I have always paid my bills on time and would like to pay off some higher interest debt


Monthly net income: $ 4500
Monthly expenses: $2800
Housing: $1000
Insurance: $200
Car expenses: $0
Utilities: $150
Phone, cable, internet: $100
Food, entertainment: $400
Clothing, household expenses: $50
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536498
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 12.90% Borrower rate/APR: 13.90% / 16.06% Monthly payment: $238.90
 
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: Apr-1995 Debt/Income ratio: 7%
Credit score: 720-739 (Oct-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 6 / 5Length of status:4y 0m
Amount delinquent: $2,431 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,540Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: peso-solstice5 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
need loam
Purpose of loan:
This loan will be used to...
Help pay my personal debts and to fix my credit. I do not have a lot of debt but I do have some people I need to pay because they helped me put when my wife was unemployed.

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

I have a good job and although I do not have stellar credit I have paid all personal loans and student loans in the past. I do not have a lot of debt and I have a lot of room for my income to increase.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536508
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 12.90% Borrower rate/APR: 13.90% / 16.06% Monthly payment: $443.68
 
Lender servicing fee: 1.00% Effective Yield*: 12.85%  
Estimated return*: 9.05%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-2001 Debt/Income ratio: 18%
Credit score: 780-799 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: newest-kindness-coyote Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
I recently got divorced, this loan will be to bring my share of joint debt with my ex-wife into my name.

My financial situation:
I am a good candidate for this loan because...
I have a good job as an IT specialist for a community bank, and can make all my payments. I also have a roommate that I collect 750 a month for rental to help pay bills.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536546
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: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $282.00
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.17%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-2004 Debt/Income ratio: 34%
Credit score: 660-679 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 8 Occupation: Military Officer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,893Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: No  
Screen name: note-genetics 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
Tim's Engagement Loan
Purpose of loan:
This loan will be used to help finance the purchase of an engagement ring.

My financial situation:
I am a good candidate for this loan because I am stable financially due to being a military officer and my situation will get even better in the spring thanks to a pay raise.


Monthly net income: $3000
Monthly expenses: $250
Housing: $0
Insurance: $80
Car expenses: $275
Utilities: $0
Phone, cable, internet: $30
Food, entertainment: $50
Clothing, household expenses: $0
Credit cards and other loans: $1250
Other expenses: $75
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536566
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 12.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Nov-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Oct-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 48 Occupation: Attorney
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $845Stated income:$100,000+
Delinquencies in last 7y: 20 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: fulfilling-agreement8 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
First time participant - used car
Purpose of loan:
This loan will be used to... used car (I will pay an additional $1K to $2K on top of this amount)

My financial situation:
I am a good candidate for this loan because... Have good income, but just paid property taxes. Bad credit score due to filing BK in July of 2009. Worked at a large law firm until Jan. 2009, had high salary (and high living costs, yes, some of it frivilous), was laid off during "recession," filed bankruptcy six months later - but since then started own law practice, approaching "old" income. This is an interesting concept, and to the extent I have to pay high interest for time being, I'd rather a private person get that.


Monthly net income: $ 10000
Monthly expenses: $ 6000
Housing: $ 2,000
Insurance: $ 100
Car expenses: $ 750
Utilities: $ 250
Phone, cable, internet: $ 250
Food, entertainment: $ 1000
Clothing, household expenses: $ 250
Credit cards and other loans: $ 400
Other expenses: $ 750 (child medical)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536570
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $180.74
 
Lender servicing fee: 1.00% Effective Yield*: 16.69%  
Estimated return*: 10.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-1994 Debt/Income ratio: 17%
Credit score: 740-759 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 39 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $48,792Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: Yes  
Screen name: fervent-greenback9 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
Short term loan for house sale
Purpose of loan: This loan will be used to bridge the gap between mortgage amount, sale amount, and my savings.

My financial situation:
I am a good candidate for this loan because I am borrowing only what I need and I make enough monthly to make this payment easily.

Monthly net income: $6914
Monthly expenses: $4395
Housing: $1490
Insurance: $800
Car expenses: $ 325
Utilities: $ 200
Phone, cable, internet: $ 130
Food, entertainment: $ 200
Clothing, household expenses: $ 150
Credit cards and other loans: $ 850
Other expenses: $250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536572
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: Nov-1975 Debt/Income ratio: 22%
Credit score: 680-699 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 8 / 7Length of status:3y 4m
Amount delinquent: $383 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,969Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: astute-deal982 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
Hospital bill
Purpose of loan:
This loan will be used to...Pay off hospital bills That insurance did not pick up

My financial situation:
I am a good candidate for this loan because...I have paid back every loan I have ever received


Monthly net income: $3600
Monthly expenses: $
Housing: $475
Insurance: $100
Car expenses: $200
Utilities: 130
Phone, cable, internet: $130
Food, entertainment: $250
Clothing, household expenses: $100
Credit cards and other loans: $150
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536598
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: C Listing Duration: 14 days
Minimum Amount to Fund: $5,500 Estimated loss*: 8.50%  
Term: 36 months  
 
Lender yield: 21.05% Borrower rate/APR: 22.05% / 25.49% Monthly payment: $210.19
 
Lender servicing fee: 1.00% Effective Yield*: 20.56%  
Estimated return*: 12.06%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-1990 Debt/Income ratio: 27%
Credit score: 680-699 (Oct-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 17Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 31 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $52,328Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: sparkling-point160 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: 18 ( 100% ) 680-699 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
760-779 (Apr-2010)
 
Principal balance: $5,381.07 31+ days late: 0 ( 0% )
Total payments billed: 18  
Description
Help with High Interest Credit Debt
Purpose of loan:
This loan will be used to pay down more of my debt. My credit cards sky rocketed to 30% plus and my utilities climbed up as well. I've been paying down my debt slowly with Prospers help and I plan to keep going until I am financially free.

My financial situation:
I am a good candidate for this loan because I have another loan from Prosper and have never missed a payment. In fact, I am in good standing with my mortgage and even my high interest credit cards. I have demonstrated a strong payment history, but my overwhelming debt has made it difficult to get a loan from a traditional bank. My goal is to be completely debt free in the next few years so that I can rebuild my savings.
Monthly net income: $85356
Monthly expenses: $
Housing (includes taxes and insurance): $2104
Utilities: $650
Phone, cable, internet: $113
Food, entertainment: $300
Credit cards and other loans: $1800
travel/gas: $60
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536602
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: A Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 10.10% Borrower rate/APR: 11.10% / 13.22% Monthly payment: $180.32
 
Lender servicing fee: 1.00% Effective Yield*: 10.07%  
Estimated return*: 8.07%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1983 Debt/Income ratio: 18%
Credit score: 700-719 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:9y 4m
Amount delinquent: $0 Total credit lines: 65 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $51,664Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: focused-loot0 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 16 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
700-719 (Jun-2010)
 
Principal balance: $2,357.46 31+ days late: 0 ( 0% )
Total payments billed: 16  
Description
Home Improvement
Purpose of loan:
This loan will be used to complete some needed repairs to our family home for the winter months. We would like to increase the insulation in our attic to cut down on heating cost as well as storm proof some of our doors.
My financial situation:
I am a good candidate for this loan because I have a stable income that continues to increase in this economy. I changed jobs one year ago and received a salary increase, I just received another bump in salary and a small bonus eventhough the firm had flat earnings.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536622
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: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $120.86
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.17%  
* 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-2002 Debt/Income ratio: 24%
Credit score: 720-739 (Oct-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 8 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,624Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: No  
Screen name: reward-nurse5 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to...
Consolidate all my credit card bills.
My financial situation: First Tennessee Bank
I am a good candidate for this loan because...
I have always been good with money and I've always had good credit history. Unfortunately for the past year,a string of unfortunate events have placed me in a bind. It's all fixed now and I'm back on my feet again. I just need this loan to get me in the right track and to get out of all the debt I have.

Monthly net income: $ 3,200.00
Monthly expenses: $ 150.00
Housing: $400.00
Insurance: None (I'm still in my parents plan)
Car expenses: $300.00
Utilities: $70.00
Phone, cable, internet: $120.00
Food, entertainment: $0-100.00
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 533839
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*: 10.50%  
Term: 36 months  
 
Lender yield: 24.74% Borrower rate/APR: 25.74% / 29.25% Monthly payment: $240.91
 
Lender servicing fee: 1.00% Effective Yield*: 24.13%  
Estimated return*: 13.63%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-1991 Debt/Income ratio: 35%
Credit score: 620-639 (Oct-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:16y 5m
Amount delinquent: $0 Total credit lines: 20 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,284Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: bty6768 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 39 ( 98% ) 620-639 (Latest)
Principal borrowed: $12,000.00< 31 days late: 1 ( 3% )  
660-679 (May-2010)
660-679 (Nov-2009)
640-659 (May-2008)
560-579 (Nov-2007)
 
Principal balance: $3,128.90 31+ days late: 0 ( 0% )
Total payments billed: 40  
Description
Prosper Loan #4
This loan will be used to consolidate several credit card payments into one easy loan payment with a fixed payoff date of 36 months. Continuing to pay minimum payments or slightly more just doesn't make a dent in the true balances. By my calculations, a $6000 loan will have very similar monthly payments with much more going toward the balance than the minimum payments on the revolving accounts. I will be closing 5 revolving accounts by paying them off with loan proceeds.

I have been paying on many of these unsecured accounts for years, several since 2004 and 2005. I have 2 previous paid off Prosper loans and the one current Prosper loan. I have been an office manager with Alabama Psychiatric Services since June 2007, and I have an excellent employment history. I believe that I am a good candidate for another Prosper loan.

Annual net income: $34,000 verifiable by paycheck stub
Direct deposit child support: $500 monthly
Housing: $600 - home owner
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536353
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 14.90%  
Term: 36 months  
 
Lender yield: 30.60% Borrower rate/APR: 31.60% / 35.24% Monthly payment: $86.67
 
Lender servicing fee: 1.00% Effective Yield*: 29.20%  
Estimated return*: 14.30%  
* 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: Dec-2006 Debt/Income ratio: Not calculated
Credit score: 620-639 (Oct-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 2Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 10 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: repayment-sensation Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,700.00< 31 days late: 0 ( 0% )  
700-719 (Apr-2010)
 
Principal balance: $2,207.38 31+ days late: 0 ( 0% )
Total payments billed: 18  
Description
Computer + Debt Consolidation
Purpose of loan:
This loan will be used to purchase a laptop which I need for both business and school purposes. The remainder of the loan will be used to pay off a small amount I owe unemployment from last year.

My financial situation:
I am a good candidate for this loan because I have a stable job with suitable income. I also have another Prosper loan currently open which I used to purchase an older vehicle. I'm current on that loan and have always paid on time.

Monthly net income: $1800

Housing: $400
Car expenses: $80
Utilities: $125
Phone, cable, internet: $75
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $450 (which this loan will be used to pay off)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536497
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: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $201.43
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.17%  
* 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-2007 Debt/Income ratio: 9%
Credit score: 660-679 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 5 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,564Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: No  
Screen name: zaphire97 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
Business & Debt Consolidation
Purpose of loan:
This loan will be used to fund a business as additional funding and to consolidate my debt.

My financial situation:
I am a good candidate for this loan because I can put the money to better use. I came here to ask for a little help and maybe you guys can help me. I spent my money to send my parents for a vacation to Philippines and a business opportunity knocks that I can't resist and I needed the money to fund this as additional funding and to also consolidate my debt. I wouldn't be asking if I have that money but like a lot of other people I want my parents to be happy as they're getting old. I'm a registered nurse and make between $60,000-$80,000 a year and I have no problem paying this amount in a given time. I've been registered here in Prosper since 2007 but this is my first time to really borrow money in tough times like this.I hope you guys can help me and I really would appreciate it very much.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536539
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.49% Borrower rate/APR: 31.49% / 35.13% Monthly payment: $216.36
 
Lender servicing fee: 1.00% Effective Yield*: 29.09%  
Estimated return*: 14.39%  
* 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-2004 Debt/Income ratio: 6%
Credit score: 660-679 (Oct-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 5 / 2Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 9 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: reward-sycamore2 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
move
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536551
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 10.50%  
Term: 36 months  
 
Lender yield: 24.74% Borrower rate/APR: 25.74% / 29.25% Monthly payment: $80.30
 
Lender servicing fee: 1.00% Effective Yield*: 24.13%  
Estimated return*: 13.63%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jun-2006 Debt/Income ratio: 16%
Credit score: 620-639 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,951Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: currency-associate2 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
640-659 (Oct-2010)
 
Principal balance: $1,402.63 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Consolidation
Purpose of loan: Consolidation
This loan will be used to...payoff older loan and the excess will be used to pay for my cats surgery.

My financial situation: Excellent
I am a good candidate for this loan because...i have never missed a payment for anything in my life, i take pride in my credit and will alwaus keep everything clean and up to date.


Monthly net income: $ 2200
Monthly expenses: $ 200
Housing: $400
Insurance: $70
Car expenses: $120
Utilities: $70
Phone, cable, internet: $120
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $250
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536593
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 12.90% Borrower rate/APR: 13.90% / 16.06% Monthly payment: $682.58
 
Lender servicing fee: 1.00% Effective Yield*: 12.85%  
Estimated return*: 9.05%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jul-1983 Debt/Income ratio: 16%
Credit score: 760-779 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:13y 9m
Amount delinquent: $0 Total credit lines: 37 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $137,632Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: smasher741 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Dear sirs:
Purpose of loan:
This loan will be used to consolidate credit and remodel

My financial situation:
I am a good candidate for this loan because...I have a high income, excellent credit, and can pay back as agreed.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536619
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $282.00
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.17%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Dec-1998 Debt/Income ratio: 24%
Credit score: 700-719 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 9Length of status:1y 5m
Amount delinquent: $138 Total credit lines: 39 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,759Stated income:$50,000-$74,999
Delinquencies in last 7y: 51 Bankcard utilization: 39%  
   Homeownership: Yes  
Screen name: felicity-atlantis2 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need Replacement of Windows
Purpose of loan: To upgrade my windows to higher efficiency windows
This loan will be used to...Replace windows

My financial situation: Employed full-time as an Occupational Therapist
I am a good candidate for this loan because...I've been working towards getting my home more energy efficient and this loan will help me complete my desire to have my home more energy efficient. Do not owe for the upgrades I've done so far. I have a stable, good paying professional job so repayment will not be an issue.


Monthly net income: $4000
Monthly expenses: $
Housing: $ 1574
Insurance: $ 96
Car expenses: $ 398
Utilities: $250
Phone, cable, internet: $ 80
Food, entertainment: $ 300
Clothing, household expenses: $200
Credit cards and other loans: $350
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536625
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: A Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 10.10% Borrower rate/APR: 11.10% / 13.22% Monthly payment: $98.36
 
Lender servicing fee: 1.00% Effective Yield*: 10.07%  
Estimated return*: 8.07%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jan-1983 Debt/Income ratio: 23%
Credit score: 800-819 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 10Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 63 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,829Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: Yes  
Screen name: glbyd123 Borrower's state: SouthDakota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 800-819 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
820-839 (Apr-2011)
 
Principal balance: $2,588.87 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
xxyx
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...I have the income to pay it back. I have no credit card to speak of. I have a good credit score.
Information in the Description is not verified.