Listing Report:Supplement No. 4 dated Dec 17, 2011 to Prospectus dated Dec 15, 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 Dec 15, 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 Dec 15, 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 529072
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: 10.54% Borrower rate/APR: 11.54% / 14.36% Monthly payment: $659.90
 
Lender servicing fee: 1.00% Effective Yield*: 10.51%  
Estimated return*: 6.71%  
* 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: Mar-1995 Debt/Income ratio: 18%
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 32 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,631Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: Yes  
Screen name: loyalty-saber 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
My loan for debt consolidation
Purpose of loan:
This loan will be used to...pay off my last credit line(which is at 17% interest)


My financial situation:
I am a good candidate for this loan because...I have solid steady income and am moving up with my company soon. I also have a townhome rental unit(paid off in full) which just got a new lease in place and have $725 month income from that.


thanks for your consideration!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542154
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: 15.21% Borrower rate/APR: 16.21% / 19.11% Monthly payment: $528.91
 
Lender servicing fee: 1.00% Effective Yield*: 14.95%  
Estimated return*: 9.00%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Feb-1994 Debt/Income ratio: 16%
Credit score: 760-779 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:12y 5m
Amount delinquent: $0 Total credit lines: 42 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,781Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: spartan06 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for home improvement
Purpose of loan:
This loan will be used to make improvements to my home while excellent conditions exist btween competing home improvement contractors

My financial situation:
I am a good candidate for this loan because my credit score is high, my current income is over $150,000 per year, and my credit report is "clean".
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542168
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*: 2.00%  
Term: 60 months  
 
Lender yield: 13.65% Borrower rate/APR: 14.65% / 16.49% Monthly payment: $118.03
 
Lender servicing fee: 1.00% Effective Yield*: 13.60%  
Estimated return*: 11.60%  
* 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-1996 Debt/Income ratio: 29%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 10Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 30 Occupation: Food Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $10,748Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: beermouth 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: 0 / 1 On-time: 18 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
640-659 (Feb-2008)
640-659 (Jan-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 18  
Description
consolidate credit cards
Purpose of loan:
This loan will be used to.. consolidate debt to one easy low payment.

My financial situation:
I am a good candidate for this loan because... I have borrowed from Prosper before and the loan was payed off ahea of schedule.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542272
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*: 10.70%  
Term: 12 months  
 
Lender yield: 18.00% Borrower rate/APR: 19.00% / 28.92% Monthly payment: $184.31
 
Lender servicing fee: 1.00% Effective Yield*: 17.58%  
Estimated return*: 6.88%  
* 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-2006 Debt/Income ratio: 14%
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 7 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,580Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: wealth-visionary0 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for an auto repair
Purpose of loan:
Auto repairs. I own a good trusty Acura but it's time for major maintenance and some replacements, I'd rather do this now than wait till something breaks down.

My financial situation:
I have two jobs with a constant stream of income. Supporting family members makes it diffcult for me to save big sums as there's always little things that demand attention and chip away at my savings, so if I had a monthly payment that'd be easier to manage.


Monthly net income: 3000-3500
Monthly expenses: 2500
Housing: 900
Insurance: 120
Car expenses: 100
Utilities: included
Phone, cable, internet: included
Food, entertainment: 300
Clothing, household expenses: 100-200
Credit cards and other loans: 300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 543192
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $128.31
 
Lender servicing fee: 1.00% Effective Yield*: 28.22%  
Estimated return*: 13.52%  
* 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-1988 Debt/Income ratio: 22%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 10Length of status:8y 8m
Amount delinquent: $2,294 Total credit lines: 36 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,625Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: unique-interest8 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
sacramento
Purpose of loan:
This loan will be used to...pay off one of my debt

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


Monthly net income: $35000
Monthly expenses: $2439
Housing: $1300
Insurance: $180
Car expenses: $0
Utilities: $75
Phone, cable, internet: $54
Food, entertainment: $300
Clothing, household expenses: $30
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 544940
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: 30.27% Borrower rate/APR: 31.27% / 35.28% Monthly payment: $172.60
 
Lender servicing fee: 1.00% Effective Yield*: 28.50%  
Estimated return*: 12.00%  
* 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: Dec-1991 Debt/Income ratio: 14%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:8y 5m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 29 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: moola-association2 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 544952
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: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $320.77
 
Lender servicing fee: 1.00% Effective Yield*: 28.22%  
Estimated return*: 13.52%  
* 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: Oct-1997 Debt/Income ratio: 54%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:6y 5m
Amount delinquent: $0 Total credit lines: 42 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,515Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: currency-boomarang7 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
Starting New Business
Purpose of loan:
This loan will be used to...upfit the property and get sign made. All equipment is purchased and lease is signed.

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 544970
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: A Listing Duration: 14 days
Minimum Amount to Fund: $8,050 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.54% Borrower rate/APR: 11.54% / 14.36% Monthly payment: $379.44
 
Lender servicing fee: 1.00% Effective Yield*: 10.51%  
Estimated return*: 6.71%  
* 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-1999 Debt/Income ratio: 18%
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 5 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,342Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: valiant-fund5 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
Wedding, Car, Settling In
Purpose of loan:
This loan will be used to pay for expense of car since car broke down, proposed and need money for wedding, and parents cut me off so need initial money to get myself settled after college.

My financial situation:
I am a good candidate for this loan because i have had 4 loans in past and paid all of them off on time. one for 1000, 2500, 2500, and 7500. my credit score average from three companies is above 750. banks wont give me loan because they say have limited credit even though I have shown i can repay loans and have could credit history and loan repayment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 544986
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: D Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 10.50%  
Term: 36 months  
 
Lender yield: 23.87% Borrower rate/APR: 24.87% / 28.73% Monthly payment: $99.23
 
Lender servicing fee: 1.00% Effective Yield*: 23.28%  
Estimated return*: 12.78%  
* 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-1993 Debt/Income ratio: 29%
Credit score: 620-639 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:17y 1m
Amount delinquent: $0 Total credit lines: 28 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,120Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: orange-affluence-circuitry 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 620-639 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
640-659 (Jan-2011)
 
Principal balance: $4,774.83 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
debt consolidation
CPurpose 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: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 544992
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: $9,800.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,860 Estimated loss*: 10.50%  
Term: 36 months  
 
Lender yield: 23.87% Borrower rate/APR: 24.87% / 28.73% Monthly payment: $388.97
 
Lender servicing fee: 1.00% Effective Yield*: 23.28%  
Estimated return*: 12.78%  
* 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-1990 Debt/Income ratio: 13%
Credit score: 600-619 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 1Length of status:8y 10m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 13 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: CA_Professional Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 600-619 (Latest)
Principal borrowed: $4,945.00< 31 days late: 0 ( 0% )  
620-639 (Dec-2007)
580-599 (Aug-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Debt Consolidation Loan
Purpose of loan:
This loan will be used to consolidate my debt.

My financial situation:
I am a good candidate for this loan because I am a responsible, trustworthy, professional person. I have used Prosper in the past successfully. I paid off a previous loan and never missed a payment.


Monthly net income: $5275.00
Monthly expenses: $4605.00
Housing: $2201.00
Insurance: $50.00
Car expenses: $0
Utilities: $75.00
Phone, cable, internet: $325.00
Food, entertainment: $450.00
Clothing, household expenses: $50.00
Credit cards and other loans: $1184.00
Other expenses: $270.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545000
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: $2,900.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,030 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.27% Borrower rate/APR: 31.27% / 35.28% Monthly payment: $125.14
 
Lender servicing fee: 1.00% Effective Yield*: 28.50%  
Estimated return*: 12.00%  
* 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-1974 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,515Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: cordial-peso128586 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
Home improvement loan
Purpose of loan:
This loan will be used to...fix house after last Hurricane

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


Monthly net income: 5000
Monthly expenses: $2000
Housing: $0
Insurance: $300
Car expenses: $50
Utilities: $225
Phone, cable, internet: $156
Food, entertainment: $0
Clothing, household expenses: $200
Credit cards and other loans: $200
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545006
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $241.09
 
Lender servicing fee: 1.00% Effective Yield*: 8.72%  
Estimated return*: 6.72%  
* 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-2002 Debt/Income ratio: 16%
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 12 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,507Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: p2ploan-canary Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 640-659 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
680-699 (Jan-2011)
 
Principal balance: $5,576.31 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Lowering interest on current prospe
Purpose of loan:
I want to take this loan to reduce my interest rate that I am paying for a current loan I have with prosper.

My financial situation:
I am a good candidate for this loan because I am employed at a very good solar company in San Francisco and I am very responsible with my finances.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545032
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $79.64
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-1990 Debt/Income ratio: Not calculated
Credit score: 820-839 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 30 / 28Length of status:18y 2m
Amount delinquent: $0 Total credit lines: 65 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,668Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: Yes  
Screen name: top-versatile-dough 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
Paying off Student Loans
Purpose of loan:
This loan will be used to pay off the last little bit of student loans that I have left from helping my daughter go to college. I have paid almost everything off already but I would like to pay the rest off by the start of the new year so I can finally be free of them.

My financial situation:
I am a good candidate for this loan because. I have a steady full time job and have been with the same company for a very long time. I have good credit and have never been delinquent on anything in the past.


Monthly net income: $3500
Monthly expenses: $2800
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545046
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: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $398.18
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* 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-1998 Debt/Income ratio: 29%
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 23 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,904Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: hopeful-marketplace268 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...consolidate debt to one payment.

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


Monthly net income: $3250
Monthly expenses: $
Housing: $
Insurance: $320
Car expenses: $
Utilities: $150
Phone, cable, internet: $400
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $6500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545054
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,087.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $8,087 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $259.96
 
Lender servicing fee: 1.00% Effective Yield*: 8.72%  
Estimated return*: 6.72%  
* 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-1993 Debt/Income ratio: 22%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 6 / 6Length of status:5y 0m
Amount delinquent: $10,251 Total credit lines: 25 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,117Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 21%  
   Homeownership: Yes  
Screen name: new-sublime-diversification Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 720-739 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
720-739 (Apr-2011)
 
Principal balance: $8,022.10 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Prosper Loan Refinancing
The purpose of this loan is to refinance my current Prosper loan into a better rate and lower monthly payment.

I am a good candidate for this loan as I have a great track record for loan repayment. I am currently in good standing for my current Prosper loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545056
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: $10,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,350 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $337.53
 
Lender servicing fee: 1.00% Effective Yield*: 8.72%  
Estimated return*: 6.72%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-1992 Debt/Income ratio: 21%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 6Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 38 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,429Stated income:$75,000-$99,999
Delinquencies in last 7y: 5 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: Norbie Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 720-739 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
660-679 (Jun-2010)
 
Principal balance: $1,184.02 31+ days late: 0 ( 0% )
Total payments billed: 17  
Description
Daughter oral surgery
Purpose of loan:
This loan will be used to support the expenses for my daughter's oral surgery not covered by insurance. Paying off my first prosper loan that has been paid as agreed and has a $1,200 balance, and auto repairs to my daughter car.

My financial situation:
I am a good candidate for this loan because have demonstrated that I can go through a divorce which liquidated all my holdings, and the worst this economy has had to offer, and still land on my feet and meet my responsibilities to my children, my ex-wife, and myself. My finances have been stabilized for almost 3 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545116
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 1.50%  
Term: 36 months  
 
Lender yield: 7.04% Borrower rate/APR: 8.04% / 8.38% Monthly payment: $313.55
 
Lender servicing fee: 1.00% Effective Yield*: 7.04%  
Estimated return*: 5.54%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Feb-1992 Debt/Income ratio: 14%
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,713Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 19%  
   Homeownership: Yes  
Screen name: Starfevre 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
Debt Consolidation from CCs
Purpose of loan:
This loan will be used to...consolidate debt from high-rate credit cards.

My financial situation:
I am a good candidate for this loan because...up until 3 months ago, I paid off my credit cards every month and had only a small amount of non-housing, non-student loan debt. Being out on medical disability with only 80% of my pay should end in February. I'm currently struggling with getting the insurance company and my employer to pay the money which I should be getting according to my (Approved!) short-term disability claim. And also my cat got really really sick.

These are all non-recurring situations and I should be able to pay back this loan easily.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545128
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: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $96.44
 
Lender servicing fee: 1.00% Effective Yield*: 8.72%  
Estimated return*: 6.72%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-1994 Debt/Income ratio: 13%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 4Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 17 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,175Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 41%  
   Homeownership: No  
Screen name: investor320 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: 17 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,200.00< 31 days late: 0 ( 0% )  
720-739 (Jun-2010)
 
Principal balance: $732.62 31+ days late: 0 ( 0% )
Total payments billed: 17  
Description
Credit consolidation
Purpose of loan:
This loan will be used to pay off the balance on my outstanding open credit card accounts. Also, there will be a little left over to pay for after school programs for my daughter.

My financial situation:
I am a good candidate for this loan because I have been paying off my old debts at a rate of over $600 per month, for the last year. At this rate I will be completely out of debt in a little more than three years. I have had to use high-interest-rate credit cards for a few large purchases, but overall I am spending within my income consistently.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545176
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: $6,100.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $4,270 Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 14.59% Borrower rate/APR: 15.59% / 18.48% Monthly payment: $213.23
 
Lender servicing fee: 1.00% Effective Yield*: 14.34%  
Estimated return*: 9.14%  
* 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: Dec-2006 Debt/Income ratio: 33%
Credit score: 660-679 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,801Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: currency-poem 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: 10 ( 100% ) 660-679 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
660-679 (Feb-2011)
 
Principal balance: $5,662.62 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Debt Consolidation
Purpose of loan:
I currently have a high APR loan through prosper, and i'm trying to get a lower APR loan and pay of my existing loan. Great borrower, great credit,prompt payer, and I have a stable income.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545182
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*: 10.50%  
Term: 36 months  
 
Lender yield: 23.87% Borrower rate/APR: 24.87% / 28.73% Monthly payment: $396.91
 
Lender servicing fee: 1.00% Effective Yield*: 23.28%  
Estimated return*: 12.78%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1982 Debt/Income ratio: 44%
Credit score: 620-639 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 28 / 28Length of status:15y 4m
Amount delinquent: $0 Total credit lines: 67 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $110,609Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: dacaria Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 620-639 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
640-659 (Feb-2011)
640-659 (Jul-2010)
 
Principal balance: $3,264.77 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Transportation needed for work.
Purpose of loan: To purchase transportation van
This loan will be used to... for my small business. Work with handicapped adults, needed better suited transport.

My financial situation: Excellent
I am a good candidate for this loan because...I always pay my debts on time and my loans are paid off quickly. I have had a stable income for over 15+ years. I have had a prosper loan in the past. All accounts in good standing.


Monthly net income: $5400
Monthly expenses: $1500
Housing: $275
Insurance: $0
Car expenses: $175
Utilities: $150
Phone, cable, internet: $150
Food, entertainment: $150
Clothing, household expenses: $200
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545188
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $18,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $12,600 Estimated loss*: 2.00%  
Term: 60 months  
 
Lender yield: 13.65% Borrower rate/APR: 14.65% / 16.49% Monthly payment: $424.92
 
Lender servicing fee: 1.00% Effective Yield*: 13.60%  
Estimated return*: 11.60%  
* 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: 32%
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 17 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,328Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: deal-quark8 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 95% ) 740-759 (Latest)
Principal borrowed: $7,500.00< 31 days late: 1 ( 5% )  
760-779 (Mar-2010)
 
Principal balance: $3,611.15 31+ days late: 0 ( 0% )
Total payments billed: 20  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off my credit cards with a faster payment plan and lower combined interest rate then what's currently listed on the cards.

My financial situation:
I am a good candidate for this loan because I always pay my bills on time and pay bills first before anything else. I've had another Prosper loan for a little over a year and a half, and have only been a day late on one payment (when my employer was 5 days late in paying me due to a "glitch" in the online banking transfer system).
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545206
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: 23.87% Borrower rate/APR: 24.87% / 28.73% Monthly payment: $79.38
 
Lender servicing fee: 1.00% Effective Yield*: 23.28%  
Estimated return*: 12.78%  
* 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: Mar-2001 Debt/Income ratio: 71%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:6y 0m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,050Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: rockysgirl1 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: 1 / 1 On-time: 20 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
720-739 (Feb-2010)
 
Principal balance: $706.61 31+ days late: 0 ( 0% )
Total payments billed: 20  
Description
Home improvements
Purpose of loan:
This loan will be used to...fix up around the house

My financial situation:
I am a good candidate for this loan because...i work hard, i pay my bills


Monthly net income: $7500.00
Monthly expenses: $
Housing: $750.00
Insurance: $400.00
Car expenses: $150.00
Utilities: $350.00
Phone, cable, internet: $100.00
Food, entertainment: $250.00
Clothing, household expenses: $
Credit cards and other loans: $300.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545218
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: 30.27% Borrower rate/APR: 31.27% / 35.28% Monthly payment: $172.60
 
Lender servicing fee: 1.00% Effective Yield*: 28.50%  
Estimated return*: 12.00%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Mar-2005 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 4Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 10 / 7Length of status:7y 10m
Amount delinquent: $0 Total credit lines: 11 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $11,352Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: economy-burger7 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
Expansion of Cooking Facilities
Purpose of loan:
This loan will be used to Expand the Cooking facilities for specialty Food Catering ie Gluten Free Cakes, Cookies, Pizzas. Furthermore to acquire inventory for this sort of special food manufacturing. With Current production levels i am unable to keep up with new orders for specialty food from Whole Food & Trader Joes. The reason to obtain loans from several fronts to gradually pay for this expansion process.

My financial situation:
I am a good candidate for this loan because i have been in the business for 7 Years. I have the know how, the experience to make this work in these times. I sell a product that is exclusive, Healthy with a Continued Demand.


Monthly net income: $6000
Monthly expenses: $1000
Housing: $1200
Insurance: $300

Car expenses: $400
Utilities: $150
Phone, cable, internet: $300
Food, entertainment: $600
Clothing, household expenses: $200
Credit cards and other loans: $2500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545224
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: 15.21% Borrower rate/APR: 16.21% / 19.11% Monthly payment: $528.91
 
Lender servicing fee: 1.00% Effective Yield*: 14.95%  
Estimated return*: 9.00%  
* 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-1992 Debt/Income ratio: 34%
Credit score: 760-779 (Dec-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:14y 8m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,731Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: Yes  
Screen name: purposeful-commitment5 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
Credit cards and other loans.
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545242
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: B Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.21% Borrower rate/APR: 16.21% / 19.11% Monthly payment: $141.04
 
Lender servicing fee: 1.00% Effective Yield*: 14.95%  
Estimated return*: 9.00%  
* 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-1984 Debt/Income ratio: 16%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:8y 10m
Amount delinquent: $0 Total credit lines: 26 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,089Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: No  
Screen name: careful-dinero09 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
for new house
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539729
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: 30.27% Borrower rate/APR: 31.27% / 35.28% Monthly payment: $172.60
 
Lender servicing fee: 1.00% Effective Yield*: 28.50%  
Estimated return*: 12.00%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-1999 Debt/Income ratio: 15%
Credit score: 660-679 (Nov-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:1y 9m
Amount delinquent: $0 Total credit lines: 5 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,929Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: No  
Screen name: cordial-treasure 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
demonhunter
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542393
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $106.92
 
Lender servicing fee: 1.00% Effective Yield*: 28.22%  
Estimated return*: 13.52%  
* 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-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 3 / 1Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 45 Occupation: Student - College S...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $316Stated income:$1-$24,999
Delinquencies in last 7y: 42 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: rate-sleuth9 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...
Debt Consolidation
My financial situation:
I am a good candidate for this loan because...
I do work and am a student getting tution money


Monthly net income: $ 1200.00
Monthly expenses: $100.00
Housing: $25.00
Insurance: $
Car expenses: $25.00
Utilities: $
Phone, cable, internet: $100.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $600.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 544875
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: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $199.09
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* 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-1987 Debt/Income ratio: 83%
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,055Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: No  
Screen name: blue-transaction-renaissance 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
sah
Purpose of loan:
This loan will be used to...pay off college exp.

My financial situation:
I am a good candidate for this loan because...I want to get this paid off so I can have it behind me. I pay my bills.


Monthly net income: $900
Monthly expenses: $200
Housing: 0
Insurance: 0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $50
Clothing, household expenses: $50
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 544885
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: B Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.21% Borrower rate/APR: 16.21% / 19.11% Monthly payment: $141.04
 
Lender servicing fee: 1.00% Effective Yield*: 14.95%  
Estimated return*: 9.00%  
* 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-1990 Debt/Income ratio: 4%
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:14y 5m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $987Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: dime-steward 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
Consolidate
Purpose of loan: Consolidate Bills
This loan will be used to...consolidate household bills

My financial situation:
I am a good candidate for this loan because...I am prompt regarding making payments for loans.


Monthly net income: $3,234.00
Monthly expenses: $
Housing: $ my husband pays the mortgage
Insurance: $66.00
Car expenses: $325.00
Utilities: $380.00
Phone, cable, internet: $66.00
Food, entertainment: $600.00
Clothing, household expenses: $90.00
Credit cards and other loans: $2,700.00
Other expenses: $1,484.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 544997
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: $12,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $12,000 Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 14.59% Borrower rate/APR: 15.59% / 18.48% Monthly payment: $419.46
 
Lender servicing fee: 1.00% Effective Yield*: 14.34%  
Estimated return*: 9.14%  
* 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-1998 Debt/Income ratio: 24%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 17 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,809Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: responsible-community487 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: 9 ( 100% ) 680-699 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
780-799 (Feb-2011)
 
Principal balance: $11,827.45 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Paying off current prosper loan
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because... I've had my previous loan since Feb and made all monthly payments


Monthly net income: $6667
Monthly expenses: $
Housing: $1878
Insurance: $60
Car expenses: $ 0
Utilities: $
Phone, cable, internet: $125
Food, entertainment: $450
Clothing, household expenses: $300
Credit cards and other loans: $800
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545013
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*: 16.50%  
Term: 36 months  
 
Lender yield: 30.27% Borrower rate/APR: 31.27% / 35.28% Monthly payment: $86.30
 
Lender servicing fee: 1.00% Effective Yield*: 28.50%  
Estimated return*: 12.00%  
* 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: Feb-1985 Debt/Income ratio: 21%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 7Length of status:2y 3m
Amount delinquent: $928 Total credit lines: 18 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,061Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: attractive-platinum733 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545019
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: 29.73% Borrower rate/APR: 30.73% / 34.73% Monthly payment: $85.70
 
Lender servicing fee: 1.00% Effective Yield*: 28.37%  
Estimated return*: 13.47%  
* 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): 1 First credit line: Jun-1997 Debt/Income ratio: 22%
Credit score: 600-619 (Dec-2011) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 1 Current / open credit lines: 16 / 14Length of status:0y 3m
Amount delinquent: $237 Total credit lines: 53 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,141Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: nourishing-platinum566 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 8 ( 89% ) 600-619 (Latest)
Principal borrowed: $4,000.00< 31 days late: 1 ( 11% )  
680-699 (Feb-2011)
 
Principal balance: $3,344.38 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Good borrower, proven income!
Purpose of loan:
This loan will be used to...
Pay for my recent medical bills.
Do not anticipate any more medical bills.

My financial situation:
I am a good candidate for this loan because...
I have making over $100K a year for 6 years plus bonus.
I have been working in the Retail Corporate Industry for
14 years, with no lapse in employment. I have worked for Abercrombie Corporate, Walmart Corporate, V Secret Corporate, and now Big Lots Corporate.


Monthly net income: $ 6600
Monthly expenses: $ TOTAL $1795 detailed below
Housing: $1225
Insurance: $90
Car expenses: $120
Utilities: $ 130
Phone, cable, internet: $ 200
Food, entertainment: $ 200
Clothing, household expenses: $ 250
Credit cards and other loans: $ 600
Other expenses: $ 580 (Car)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545021
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: A Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.54% Borrower rate/APR: 11.54% / 14.36% Monthly payment: $197.97
 
Lender servicing fee: 1.00% Effective Yield*: 10.51%  
Estimated return*: 6.71%  
* 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: Mar-1978 Debt/Income ratio: 8%
Credit score: 800-819 (Dec-2011) Inquiries last 6m: 3Employment status:Other
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:4y 7m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $482Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: obedient-p2p545 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
home loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545027
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: $5,000 Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 14.59% Borrower rate/APR: 15.59% / 18.48% Monthly payment: $174.77
 
Lender servicing fee: 1.00% Effective Yield*: 14.34%  
Estimated return*: 9.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-1984 Debt/Income ratio: 40%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,080Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: lucky31 Borrower's state: Georgia Borrower's group: Debt Consolidators
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 13 ( 100% ) 680-699 (Latest)
Principal borrowed: $5,500.00< 31 days late: 0 ( 0% )  
660-679 (Oct-2010)
600-619 (Apr-2007)
 
Principal balance: $4,007.39 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
refinance
Purpose of loan: refinance current loan
This loan will be used to...

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


Monthly net income: $2100
Monthly expenses: $
Housing: $500
Insurance: $
Car expenses: $319
Utilities: $150
Phone, cable, internet: $50
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545033
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: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $278.73
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* 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-1997 Debt/Income ratio: 10%
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 6Length of status:2y 4m
Amount delinquent: $25 Total credit lines: 18 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: currency-dreamer4 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
Medical Expense
Purpose of loan: Pay hospital expense
This loan will be used to...

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


Monthly net income: $6000
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545037
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: $12,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $385.74
 
Lender servicing fee: 1.00% Effective Yield*: 8.72%  
Estimated return*: 6.72%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1996 Debt/Income ratio: 24%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:7y 10m
Amount delinquent: $0 Total credit lines: 29 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,225Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: No  
Screen name: lgeuther Borrower's state: Illinois Borrower's group: Debt Consolidators Unite!
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: 54 ( 100% ) 680-699 (Latest)
Principal borrowed: $12,498.00< 31 days late: 0 ( 0% )  
680-699 (Feb-2011)
700-719 (Apr-2010)
680-699 (Feb-2010)
660-679 (Sep-2009)
 
Principal balance: $6,062.79 31+ days late: 0 ( 0% )
Total payments billed: 54  
Description
Putting Addition on Home
This will be my 4th prosper loan. The funds will go toward adding on to our home and it will also pay off the amount on the previous loan. I have never been late on a loan through prosper or any bills in the past 10 years. Thanks for looking and have a happy holidays!!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545043
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: 30.27% Borrower rate/APR: 31.27% / 35.28% Monthly payment: $172.60
 
Lender servicing fee: 1.00% Effective Yield*: 28.50%  
Estimated return*: 12.00%  
* 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-2000 Debt/Income ratio: 17%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:5y 6m
Amount delinquent: $0 Total credit lines: 24 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,744Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: tough-durability284 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $i,500
Monthly expenses: $100
Housing: $600
Insurance: $65
Car expenses: $200
Utilities: $30
Phone, cable, internet: $20
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545063
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $85.54
 
Lender servicing fee: 1.00% Effective Yield*: 28.22%  
Estimated return*: 13.52%  
* 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: Oct-1991 Debt/Income ratio: 3%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 2Employment status:Other
Now delinquent: 5 Current / open credit lines: 1 / 1Length of status:11y 8m
Amount delinquent: $877 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: systematic-listing2 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
holiday shopping and catch up bills
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2500
Monthly expenses: 300
Housing: $400
Insurance: $40,00
Car expenses: $
Utilities: $100
Phone, cable, internet: $
Food, entertainment: $150
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545101
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: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.27% Borrower rate/APR: 31.27% / 35.28% Monthly payment: $129.45
 
Lender servicing fee: 1.00% Effective Yield*: 28.50%  
Estimated return*: 12.00%  
* 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: Apr-2005 Debt/Income ratio: 18%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 12 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,161Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: poplar716 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan: Pay back debt from college
This loan will be used to... pay of debt

My financial situation: Is decent. Just a lot of old bills from college that I need to pay off.
I am a good candidate for this loan because... I will be able to pay it back quickly as I continue to make advancements in my career.


Monthly net income: $2400
Monthly expenses: $300
Housing: $0 (Live at home with my parents)
Insurance: $80
Car expenses: $120
Utilities: $0
Phone, cable, internet: $80
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: I owe like $4500 in credit cards from college.
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545155
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: 60 months  
 
Lender yield: 29.27% Borrower rate/APR: 30.27% / 32.99% Monthly payment: $195.12
 
Lender servicing fee: 1.00% Effective Yield*: 28.53%  
Estimated return*: 17.33%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-2004 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 26 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,651Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: superbdlw1912 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
Home Improvement Loan
Purpose of loan:
This loan will be used to...carry out some repair work at my residence.

My financial situation:
I am a good candidate for this loan because...I have an excellent repayment history as it relates to my existing credit cards which are the only debt that I have.


Monthly net income: $3,879.17
Monthly expenses:
Housing: $800.00
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545191
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: B Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.21% Borrower rate/APR: 16.21% / 19.11% Monthly payment: $264.46
 
Lender servicing fee: 1.00% Effective Yield*: 14.95%  
Estimated return*: 9.00%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Feb-1996 Debt/Income ratio: 8%
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 4 Current / open credit lines: 1 / 1Length of status:3y 11m
Amount delinquent: $9,699 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $59Stated income:$25,000-$49,999
Delinquencies in last 7y: 16 Bankcard utilization: 7%  
   Homeownership: Yes  
Screen name: STRONGMAN23 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off old bills and have one bill
Purpose of loan:
This loan will be used to pay off old bills and have one bill for the month.

My financial situation:
I am a good candidate for this loan because...
I'am honest and a hard depenable person

Monthly net income: $ 2030
Monthly expenses: $ 1115
Housing: $ 970.00
Insurance: $ 0
Car expenses: $ 250
Utilities: $ 45
Phone, cable, internet: $ 210
Food, entertainment: $ 350
Clothing, household expenses: $ 75
Credit cards and other loans: $ 200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545197
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: 10.54% Borrower rate/APR: 11.54% / 14.36% Monthly payment: $659.90
 
Lender servicing fee: 1.00% Effective Yield*: 10.51%  
Estimated return*: 6.71%  
* 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-1997 Debt/Income ratio: 8%
Credit score: 800-819 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 9 / 9Length of status:1y 9m
Amount delinquent: $7,486 Total credit lines: 31 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $91Stated income:$100,000+
Delinquencies in last 7y: 6 Bankcard utilization: 30%  
   Homeownership: Yes  
Screen name: green-impartial-dollar 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
Home Improvement Loan
Purpose of loan:
This loan will be used to...improve our home, and build our pool.

My financial situation:
I am a good candidate for this loan because..I have limited debt to income ratio, and have a very stable job and income with the ability to pay the loan. I also have good recent credit history.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545209
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 10.50%  
Term: 60 months  
 
Lender yield: 25.87% Borrower rate/APR: 26.87% / 29.49% Monthly payment: $228.43
 
Lender servicing fee: 1.00% Effective Yield*: 25.23%  
Estimated return*: 14.73%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-1980 Debt/Income ratio: 33%
Credit score: 620-639 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 4 Current / open credit lines: 8 / 8Length of status:15y 8m
Amount delinquent: $0 Total credit lines: 27 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,175Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: new-joyful-point 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
680-699 (Feb-2011)
 
Principal balance: $2,045.10 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
DEBT CONSOLIDATION
Purpose of loan: DEBT CONSOLIDATION
This loan will be used to...PAY OFF SEVERAL SMALL LOANS

My financial situation: GETTING BY BUT WOULD LIKE EXRA CASH AFTER BILLS ARE PAID EACH MONTH.
I am a good candidate for this loan because...I WORK A FULL TIME JOB PLUS I HAVE SOCIAL SECURITY RETIREMENT & MILITARY RETIREMENT.


Monthly net income: $3603
Monthly expenses: $
Housing: $350
Insurance: $ INCLUDED
Car expenses: $550
Utilities: $255
Phone, cable, internet: $175
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $480
Other expenses: $500
Information in the Description is not verified.