Listing Report:Supplement No. 29 dated Dec 30, 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 543325
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 20.51% Borrower rate/APR: 21.51% / 23.48% Monthly payment: $410.12
 
Lender servicing fee: 1.00% Effective Yield*: 20.15%  
Estimated return*: 14.20%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-2000 Debt/Income ratio: 26%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 10 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,013Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: No  
Screen name: Everybody_Wins 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
Paying It All Off
Purpose: This loan will be used to consolidate 3 credit cards that I have. I had some expenses unexpectedly come about regarding my family and needed to borrow short term funds. Now that the expenses are complete it makes the most sense to find sensible financing, move the assets from revolving debt to fixed debt, and pay off in an orderly fashion.

Financial situation: I am a good candidate because I have a steady job that has been in place for 4 years, no employment gaps for over 10 years, and have been a responsible borrower with no late payments or collections. For me this is about making a responsible decision that affects the amount of interest I pay long term, having the right "type" of debt, and helping investors in the process.

Monthly net income: $5,000
Housing: $800
Total Car expenses: $900
Utilities: $40
Phone, cable, internet: $150
Food, entertainment: $300
Household: $200
Credit cards and other loans: $0 (If loan funds)
Extra (after expenses): $2,800
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547129
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.27% 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): 3 First credit line: Jan-1979 Debt/Income ratio: Not calculated
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:9y 11m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,907Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: No  
Screen name: zippy-trade446 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
New computers for the business
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547251
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $258.82
 
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: Feb-1993 Debt/Income ratio: 8%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 2 / 2Length of status:0y 1m
Amount delinquent: $5,318 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: luminous-loyalty026 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
Rent Payment
Purpose of loan: To catch up rent payments
This loan will be used to... Payoff the landlord for the missed months of rent.

My financial situation: I was not employed from June through October of this year, however I now have a very good job making a lot more money than I was at my previous job. My girlfriend will also be contributing to the payoff of this loan; as she is a tenant as well.
I am a good candidate for this loan because... Once this is paid off, we will not get evicted from our apartment and we will not have to go to court.


Monthly net income: $5800
Monthly expenses: $3722
Housing: $2300
Insurance: $n/a
Car expenses: $n/a
Utilities: $50
Phone, cable, internet: $120 +42= 162$
Food, entertainment: $800
Clothing, household expenses: $100
Credit cards and other loans: $310
Other expenses: $n/a
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547513
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $258.82
 
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-1991 Debt/Income ratio: 18%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:7y 1m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,601Stated income:$25,000-$49,999
Delinquencies in last 7y: 25 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: peso-crescent3 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Purpose of loan:
This loan will be used to...Home improvement

My financial situation:
I am a good candidate for this loan because...I have a steady job I can afford payment.


Monthly net income: $2,000
Monthly expenses: $
Housing: $544
Insurance: $84
Car expenses: $0
Utilities: $250
Phone, cable, internet: $39
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $150
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547561
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 10.70%  
Term: 12 months  
 
Lender yield: 18.00% Borrower rate/APR: 19.00% / 28.92% Monthly payment: $322.55
 
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): 6 First credit line: May-2005 Debt/Income ratio: 7%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 18 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,954Stated income:$75,000-$99,999
Delinquencies in last 7y: 12 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: agreement-warp-speed 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
Need remaining funds (Auto)
Purpose of loan: Need remaining funds for a 2001 Acura MDX. Private Party sale.

My financial situation:
Monthly net income: $5196
Monthly expenses: $3060
Housing: $1920
Insurance: $140
Car expenses: $50
Utilities: $250
Phone, cable, internet: $200
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $0 (paid off every month, though shows revolving balance; I use it for flyer miles)
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547579
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $171.08
 
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): 2 First credit line: Sep-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:6y 7m
Amount delinquent: $0 Total credit lines: 62 Occupation: Architect
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,285Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: benefit-sergeant6 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
change life
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547595
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $171.08
 
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: Nov-1992 Debt/Income ratio: 24%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:8y 4m
Amount delinquent: $0 Total credit lines: 21 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,963Stated income:$75,000-$99,999
Delinquencies in last 7y: 8 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: agreement-sanctuary1 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
Purpose of loan: new roof
This loan will be used to...

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


Monthly net income: $5500
Monthly expenses: $0
Housing: $1750
Insurance: $75
Car expenses: $0
Utilities: $75
Phone, cable, internet: $75
Food, entertainment: $250
Clothing, household expenses: $0
Credit cards and other loans: $200
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547597
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.27% Borrower rate/APR: 30.27% / 32.99% Monthly payment: $178.86
 
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): 6 First credit line: Jan-1999 Debt/Income ratio: 34%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 18Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 35 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,040Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: xylophone785 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
Breath Easy Loan
Purpose of loan:
This loan will be used to...
Pay down credit card debt
My financial situation:
I am a good candidate for this loan because...

I pay all my bills on time. You are guaranteed your money
Monthly net income: $3000
Monthly expenses: $2500
Housing: $600
Insurance: $
Car expenses: $300
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $150
Credit cards and other loans: $800
Other expenses: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547607
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): 5 First credit line: Dec-1983 Debt/Income ratio: 12%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 44 Occupation: Food Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,004Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: treasure-snowdome7 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
pay off credit card
Purpose of loan:
This loan will be used to...
loan consolidation
My financial situation:
I am a good candidate for this loan because...
i work and pay off all my bills on time

Monthly net income: $2500.00
Monthly expenses: $400.00
Housing: $0
Insurance: $90.00
Car expenses: $200.00
Utilities: $0
Phone, cable, internet: $45.00
Food, entertainment: $150.00
Clothing, household expenses: $50.00
Credit cards and other loans: $100.00
Other expenses: $100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547611
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): 4 First credit line: Apr-1991 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 19Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0 
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: heaven016 Borrower's state: Nebraska 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
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547637
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $171.08
 
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: Jan-2006 Debt/Income ratio: 40%
Credit score: 760-779 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: wildebeest1 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
funding for repairs on a rental
Purpose of loan:
This loan will be used to...repair a roof of a rental(income) property

My financial situation:
I am a good candidate for this loan because...I always pay my bills on time and most often early.


Monthly net income: $1158.25 management of Property for others
$ 2265.00 personal rentals
=$3423.00 total income
Monthly expenses:
Housing: $ 900.00
Insurance: $ 176.00
Car expenses: $ 400.00
Utilities: $ 150.00
Phone, cable, internet: $165.00
Food, entertainment: $400.00
Clothing, household expenses: $100.00
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547655
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: Oct-2000 Debt/Income ratio: 30%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 13Length of status:6y 5m
Amount delinquent: $0 Total credit lines: 38 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,278Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: payment-alert 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
Debt Consolidation
Purpose of loan is to consolidate all my credit cards
This loan will be used to help pay off my debt.

My financial situation:
I am a good candidate for this loan because I pay all my bills on time.I've never paid late on any of my credit cards..I've been with the same employer for the pasted 5 years.I owned my own home for 9 years with no late payments..





Monthly net income: $4,400
Monthly expenses: $2,700
Housing: $970.00
Insurance: $83.00
Car expenses: $375.00
Utilities: $190.00
Phone, cable, internet: $160.00
Food, entertainment: $350.00
Clothing, household expenses: $150.00
Credit cards and other loans: $550.00
Other expenses: $580.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547659
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $159.27
 
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): 5 First credit line: Jun-1976 Debt/Income ratio: 32%
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 5Employment status:Other
Now delinquent: 0 Current / open credit lines: 17 / 16Length of status:11y 5m
Amount delinquent: $0 Total credit lines: 45 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,401Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 23%  
   Homeownership: Yes  
Screen name: best-deal-photon 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
car repair, home repairs.
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547671
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): 4 First credit line: May-1991 Debt/Income ratio: Not calculated
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 7 Current / open credit lines: 2 / 1Length of status:0y 7m
Amount delinquent: $4,639 Total credit lines: 21Stated income:Not employed
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $0 
Delinquencies in last 7y: 5 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: dedication-scout7 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
funds for wedding
Purpose of loan:wedding funds
This loan will be used to...pay for wedding

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


Monthly net income: $1713.
Monthly expenses: $1081.
Housing: $600.
Insurance: $61.
Car expenses: $0
Utilities: $
Phone, cable, internet: $120.
Food, entertainment: $200.
Clothing, household expenses: $25.
Credit cards and other loans: $50.
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547685
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: $8,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.27% Borrower rate/APR: 30.27% / 32.99% Monthly payment: $260.16
 
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: Jun-2007 Debt/Income ratio: 27%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 14 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,830Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: No  
Screen name: tolerant-duty0 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate my credit card debt that I used towards my college education (i.e., tuition, textbooks, etc). I recently graduated and I'm trying to reduce my monthly payments.

My financial situation:
I am a good candidate for this loan because I have never missed a payment for an expense of any kind. I have very good credit because of this. Additionally, I have steady, full-time employment that is secure.

Monthly net income: $2,100
Monthly expenses: $1,400

Thank you!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547691
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.27% 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: Apr-1991 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 3Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 16Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,447 
Delinquencies in last 7y: 9 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: return-prairie25 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
saving my life
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because.I have a home I've paying on for 6 years, and 98% of other bills are all current. I have interviews coming up in January...


Monthly net income: $2648..
Monthly expenses: $1980.
Housing: $1200.
Insurance: $56.00
Car expenses: $325.
Utilities: $40.00
Phone, cable, internet: $80.00
Food, entertainment: $75.00
Clothing, household expenses: $60.
Credit cards and other loans: $44.00
Other expenses: $100.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547695
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: Apr-1995 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 8Length of status:10y 9m
Amount delinquent: $0 Total credit lines: 27 Occupation: Religious
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,786Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: return-javelin5 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate
Purpose of loan:
This loan will be used to...
Consolidate loans
My financial situation:
I am a good candidate for this loan because...
I work a full time job and a part time and both are very solid positions.

Monthly net income: $6000.00
Monthly expenses: $5000.00
Housing: $675.00
Insurance: $350.00
Car expenses: $450.00
Utilities: $100.00
Phone, cable, internet: $100.00
Food, entertainment: $600.00
Clothing, household expenses: $50.00
Credit cards and other loans: $1500.00 but will be paid in February
Other expenses: $200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547697
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $258.82
 
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: Nov-2007 Debt/Income ratio: 22%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:5y 10m
Amount delinquent: $0 Total credit lines: 5 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,930Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: funds-cactus829 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
need extra money for house remodele
Purpose of loan: house remodel
This loan will be used to...house remodel

My financial situation: stable with a good job
I am a good candidate for this loan because...always make my payment on time


Monthly net income: $2200
Monthly expenses: $320
Housing: $300
Insurance: $80
Car expenses: $0
Utilities: $40
Phone, cable, internet: $30
Food, entertainment: $0
Clothing, household expenses: $40
Credit cards and other loans: $40
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547701
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: Sep-1999 Debt/Income ratio: 6%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 6Length of status:0y 6m
Amount delinquent: $30 Total credit lines: 10 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,225Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: commerce-authority7 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Growth
Purpose of loan:
This loan will be used to increase advertising and value of my product

My financial situation:
I am a good candidate for this loan because my business is successful with current customers and I have invested a lot of my own money into it, growing at an astounding rate,


Monthly net income: 6,500$
Monthly expenses: $5586.18
Housing: $1750
Insurance: 96$
Car expenses: $769
Utilities: $200
Phone, cable, internet: $185
Food, entertainment: $600
Clothing, household expenses: $100
Credit cards and other loans: $1300
Other expenses: $229
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547707
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.54% Borrower rate/APR: 11.54% / 14.36% Monthly payment: $313.45
 
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: Apr-2004 Debt/Income ratio: 20%
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:8y 11m
Amount delinquent: $0 Total credit lines: 17 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,416Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: transaction-web5 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
Home improvement
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547721
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $171.08
 
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: Jul-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Dec-2011) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 20 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $859Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: mighty-integrity9 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation and business equ
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547769
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $171.08
 
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: Nov-1984 Debt/Income ratio: Not calculated
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:15y 4m
Amount delinquent: $5,044 Total credit lines: 20 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,262Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: durability-auctioneer4 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 loan remodel
Purpose of loan: remodeling roof
This loan will be used to...

My financial situation: good
I am a good candidate for this loan because...i have good credit and pay loans as promised


Monthly net income: $3000
Monthly expenses: $1250
Housing: $800
Insurance: $0
Car expenses: $0
Utilities: $100
Phone, cable, internet: $50
Food, entertainment: $200
Clothing, household expenses: $0
Credit cards and other loans: $15
Other expenses: $
0+
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547444
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): 2 First credit line: Sep-1993 Debt/Income ratio: 13%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 38 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,414Stated income:$75,000-$99,999
Delinquencies in last 7y: 21 Bankcard utilization: 100%  
   Homeownership: Yes  
Screen name: peaceful-peace4 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan: Purchase New Windows for Old House
This loan will be used to...purchase new windows for a house built in 1954

My financial situation: Improving
I am a good candidate for this loan because...I am employed full time in a position that requires my debts be paid in a timely manner and I also receive government disability compensation.


Monthly net income: $6400
Monthly expenses: $5500 TOTAL-includes all expenses listed below
Housing: $2000
Insurance: $100
Car expenses: $750
Utilities: $400
Phone, cable, internet: $250
Food, entertainment: $800
Clothing, household expenses: $500
Credit cards and other loans: $500
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547554
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 10.50%  
Term: 36 months  
 
Lender yield: 23.87% Borrower rate/APR: 24.87% / 28.73% Monthly payment: $138.92
 
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): 5 First credit line: Oct-1997 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 35 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,787Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: dropkicknic 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 / 2 On-time: 37 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
600-619 (Jul-2009)
520-539 (May-2008)
 
Principal balance: $201.42 31+ days late: 0 ( 0% )
Total payments billed: 37  
Description
Moving to New House-Need Expense $
Purpose of loan: I recently landed a better job and want to move closer to my new workplace. I need money to help cover the associated expenses.
This loan will be used to find my move.

My financial situation: I am a college graduate who finally landed a decent job. I will be making more money than I ever have, but need a little money to help me move closer to my job.
I am a good candidate for this loan because...I have had a great history with Prosper, having paid off one previous loan in full, and an only $200 away from paying off another. My overall credit rating and situation is definitely on the upswing.


Monthly net income: $2900
Monthly expenses: $1273.50
Housing: $302.50
Insurance: $90
Car expenses: $261
Utilities: $50
Phone, cable, internet: $95
Food, entertainment: $250
Clothing, household expenses: $75
Credit cards and other loans: $100
Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547558
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $171.08
 
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): 2 First credit line: Sep-1984 Debt/Income ratio: Not calculated
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 1 Current / open credit lines: 4 / 2Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 34Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,664 
Delinquencies in last 7y: 5 Bankcard utilization: 46%  
   Homeownership: Yes  
Screen name: worth-paddle1 Borrower's state: Wyoming 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
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547572
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.21% Borrower rate/APR: 16.21% / 19.11% Monthly payment: $352.61
 
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: Dec-1992 Debt/Income ratio: 17%
Credit score: 760-779 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:18y 10m
Amount delinquent: $0 Total credit lines: 17 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $532Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: Yes  
Screen name: the-blooming-rupee 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
combining joint personal debt
Purpose of loan: combine my wife's and mine, debt .
This loan will be used to...pay expenses more efficiently and decrease amount on interest also paid out.

My financial situation: is very comfortable.
I am a good candidate for this loan because... I have a steady income and am content with my employer's stability in the market. My credit scores have generally been good, until most recently; do to an unexpected family crisis.


Monthly net income: $6,005.12
Monthly expenses: $3670.47
Housing: $491.29
Insurance: $257.50
Car expenses: $550.00
Utilities: $274.00
Phone, cable, internet: $217.00
Food, entertainment: $450.00
Clothing, household expenses: $400.00
Credit cards and other loans: $930.68
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547596
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $171.08
 
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: May-1997 Debt/Income ratio: 26%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 3Length of status:1y 0m
Amount delinquent: $241 Total credit lines: 9 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: yield-pursuit0 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
Funds for Wedding
Purpose of loan:
This loan will be used to purchase a ring, honey moon and deposits for my wedding.

My financial situation:
I am a good candidate for this loan because because I have a good job with a good company and my future wife has a good job that she has been on for 31 years.


Monthly net income: $1225.00
Monthly expenses: $1800.00
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 547602
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: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.27% Borrower rate/APR: 31.27% / 35.28% Monthly payment: $107.88
 
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: Sep-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 5Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 23 / 20Length of status:26y 8m
Amount delinquent: $0 Total credit lines: 46 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $47,224Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: No  
Screen name: cerebral-agreement679 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
redo
Purpose of loan:
This loan will be used to...

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


Monthly net income: $4800
Monthly expenses: $3250
Housing500
Insurance: $260
Car expenses: 200$
Utilities: $200
Phone, cable, internet: $150
Food, entertainment: 600
Clothing, household expenses: $300
Credit cards and other loans: $700
Other expenses: $350
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547618
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): 3 First credit line: Apr-1986 Debt/Income ratio: 47%
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:6y 6m
Amount delinquent: $0 Total credit lines: 53 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $58,247Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: bonus-oboe Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Funds for buying a boat
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547620
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $171.08
 
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-1996 Debt/Income ratio: 24%
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,955Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: Yes  
Screen name: performer3 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
Consolidation Loan
Purpose of loan:
This loan will be used to...pay off Care credit and bank of america credit card

My financial situation:
I am a good candidate for this loan because...I always make my payments on time


Monthly net income: $1430
Monthly expenses: $600
Housing: $200
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $145
Food, entertainment: $50
Clothing, household expenses: $0
Credit cards and other loans: $6500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547624
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): 2 First credit line: May-1977 Debt/Income ratio: 20%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 8Employment status:Other
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,967Stated income:$50,000-$74,999
Delinquencies in last 7y: 10 Bankcard utilization: 69%  
   Homeownership: No  
Screen name: bonafide-credit764 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
Pay up my mortgage
Purpose of loan:
This loan will be used to...

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


Monthly net income: $51,912
Monthly expenses: 2200
Housing: $100
Insurance: $221
Car expenses: $50
Utilities: $97
Phone, cable, internet: $122
Food, entertainment: $80.00
Clothing, household expenses: $25.00
Credit cards and other loans: $1200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547688
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $171.08
 
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: Dec-1999 Debt/Income ratio: 34%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 14 / 12Length of status:0y 4m
Amount delinquent: $5,577 Total credit lines: 36 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,437Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 64%  
   Homeownership: Yes  
Screen name: brightest-dinero-comet Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
consolidate debt
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547742
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.54% Borrower rate/APR: 11.54% / 14.36% Monthly payment: $494.93
 
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: Oct-1998 Debt/Income ratio: 18%
Credit score: 820-839 (Dec-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 17 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,439Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 25%  
   Homeownership: Yes  
Screen name: velocity-scrutinzer0 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
HOME IMPROVEMENT LOAN
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547766
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $219.00
 
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: Dec-2008 Debt/Income ratio: 14%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 9 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,646Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: medalist818 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
No description is available.
Information in the Description is not verified.