Listing Report:Supplement No. 6 dated Jan 16, 2012 to Prospectus dated Jan 12, 2012
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 Jan 12, 2012 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 Jan 12, 2012 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 540980
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.68% Borrower rate/APR: 24.68% / 27.25% Monthly payment: $437.46
 
Lender servicing fee: 1.00% Effective Yield*: 23.12%  
Estimated return*: 14.22%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: May-2002 Debt/Income ratio: 28%
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 9 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,161Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: No  
Screen name: glimmering-bid1 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Purpose of loan:
This loan will be used to...

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


Monthly net income: $1800
Monthly expenses: $0
Housing: $0
Insurance: $90
Car expenses: $0
Utilities: $0
Phone, cable, internet: $121
Food, entertainment: $200
Clothing, household expenses: $0
Credit cards and other loans: $100
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546946
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: C Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 8.50%  
Term: 36 months  
 
Lender yield: 19.24% Borrower rate/APR: 20.24% / 23.99% Monthly payment: $93.21
 
Lender servicing fee: 1.00% Effective Yield*: 18.79%  
Estimated return*: 10.29%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-1987 Debt/Income ratio: 21%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 17Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 55 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $104,303Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: spirited-payment0 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
720-739 (May-2011)
 
Principal balance: $2,227.67 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Lower Rate
Purpose of loan:
This loan will be used to...lower my current rate

My financial situation:
I am a good candidate for this loan because...i have a above average paying job


Monthly net income: $ 10,750
Monthly expenses: $ 6000
Housing: $ 2900
Insurance: $450.00
Car expenses: $ 400
Utilities: $400
Phone, cable, internet: $ 190
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $2000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547578
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 12.96% Borrower rate/APR: 13.96% / 15.78% Monthly payment: $464.95
 
Lender servicing fee: 1.00% Effective Yield*: 12.91%  
Estimated return*: 9.11%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-1990 Debt/Income ratio: 61%
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:10y 5m
Amount delinquent: $0 Total credit lines: 31 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $67,633Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: pudding62 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Cape Cod Debt Clean Up
Purpose of loan:
This loan will be used to payoff all credit debt. This will enable me to have no debt after five years and to build up savings for the future.

My financial situation:
I am a good candidate for this loan because I have a stable income with good credit. I believe my record in the past would prove that I take the responsibility of loans seriously by paying on time and paying them in full. I expect in the next five years to continue to be employed and to increase my income by at least by 5% to 7% thus enabling me to continue to live credit free.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 548060
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.68% Borrower rate/APR: 24.68% / 27.25% Monthly payment: $349.97
 
Lender servicing fee: 1.00% Effective Yield*: 23.12%  
Estimated return*: 14.22%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1983 Debt/Income ratio: 33%
Credit score: 740-759 (Jan-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,464Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: Yes  
Screen name: pure-loot9 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
home improvement
Purpose of loan:
This loan will be used to...

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


Monthly net income: 8000.00Monthly expenses: $
Housing: $478,00
Insurance: $100.00
Car expenses: $250.00
Utilities: $100
Phone, cable, internet: $100.00
Food, entertainment: $200.00
Clothing, household expenses: $
Credit cards and other loans: $250.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551196
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 17.45% Borrower rate/APR: 18.45% / 20.36% Monthly payment: $384.58
 
Lender servicing fee: 1.00% Effective Yield*: 17.15%  
Estimated return*: 11.20%  
* 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: Jan-2002 Debt/Income ratio: 54%
Credit score: 760-779 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,431Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: community-sniffer Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My family needs a new car
Purpose of loan:
This loan will be used to purchase a more economical car for my family.

My financial situation:
I am a good candidate for this loan because I am financially responsible with a great credit score.


Monthly net income: $2,500
Housing: $850
Insurance: $70
Utilities: $85
Phone, cable, internet: $115
Food, entertainment: $250
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551624
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: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $130.28
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* 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-1999 Debt/Income ratio: 6%
Credit score: 680-699 (Jan-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:15y 4m
Amount delinquent: $0 Total credit lines: 4 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: finance-investor5 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
Paying off Debts
Purpose of loan:
This loan will be used to pay down and pay off most of my debts

My financial situation:
I am a good candidate for this loan because with this loan I will be able to pay off certain debts and pay back this loan in a timely fashion. The monthly income listed here is the household income, not just mine.


Monthly net income: $2000
Monthly expenses: $
Housing: $537.00
Insurance: $37.00
Car expenses: $356.00
Utilities: $50.00
Phone, cable, internet: $175.00
Food, entertainment: $200.00
Clothing, household expenses: $40.00
Credit cards and other loans: $85.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551638
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 8.99% Borrower rate/APR: 9.99% / 12.78% Monthly payment: $322.62
 
Lender servicing fee: 1.00% Effective Yield*: 8.97%  
Estimated return*: 5.17%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1994 Debt/Income ratio: 18%
Credit score: 780-799 (Jan-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 14Length of status:4y 7m
Amount delinquent: $0 Total credit lines: 56 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,497Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: sushi138 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Investment
Purpose of loan:
This loan will be used to pay of credit card balance and invest in another home.

My financial situation:
I am a good candidate for this loan because i'm able to pay back the loan within that time frame. Currently employ with same company for over 5 years. I also have 2 rental home with no mortgage and both house is currently renting.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551664
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: $8,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $5,950 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 11.77% Monthly payment: $270.26
 
Lender servicing fee: 1.00% Effective Yield*: 7.97%  
Estimated return*: 5.97%  
* 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: Jun-2000 Debt/Income ratio: 24%
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:1y 9m
Amount delinquent: $0 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $36,988Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: dinero-ceremony3 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 700-719 (Latest)
Principal borrowed: $14,841.62< 31 days late: 0 ( 0% )  
780-799 (Feb-2011)
700-719 (Dec-2010)
 
Principal balance: $11,002.63 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Consolidate debt.
Purpose of loan:
This loan will be used to pay off credit cards and keep myself on track to be debt-free in a few years.

My financial situation:
I am a good candidate for this loan because this is my second loan with Prosper and the repayments for my first loan are on schedule after the first year. I have a good job making over 150k, have been steadily employed over years and am careful to always find the best rates to fund my loans. It is also important for me to maintain a good credit history.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551670
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 11.90%  
Term: 36 months  
 
Lender yield: 24.52% Borrower rate/APR: 25.52% / 29.39% Monthly payment: $200.18
 
Lender servicing fee: 1.00% Effective Yield*: 23.92%  
Estimated return*: 12.02%  
* 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-1990 Debt/Income ratio: 10%
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:7y 5m
Amount delinquent: $0 Total credit lines: 20 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,714Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: ore-fighter2 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
sher debt consolidation
Purpose of loan:
This loan will be used to... payoff debts & consolidate into one payment

My financial situation:
I am a good candidate for this loan because... I am already making well above the monthly payment with the current loans I have, would not have any problem paying the proposed monthly payment.


Monthly net income: $5000
Monthly expenses: $150
Housing: $1850
Insurance: $88
Car expenses: $460
Utilities: $200
Phone, cable, internet: $200
Food, entertainment: $400
Clothing, household expenses: $150
Credit cards and other loans: $100
Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551678
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: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* 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-1995 Debt/Income ratio: 35%
Credit score: 720-739 (Jan-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,959Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: dedication-celebration 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
Mobile11
Purpose of loan: Consolidation
This loan will be used to...Consolidate

My financial situation:
I am a good candidate for this loan because..I Promptly pay my debts.


Monthly net income: $1737
Monthly expenses: $1100
Housing: $FREE
Insurance: $20
Car expenses: $Paid off
Utilities: $80
Phone, cable, internet: $89 Cable
Food, entertainment: $300
Clothing, household expenses: $
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551714
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: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* 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-1994 Debt/Income ratio: 32%
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 18Length of status:12y 10m
Amount delinquent: $0 Total credit lines: 57 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $44,031Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: Yes  
Screen name: capital-javelin8 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need a loan to earn extra income.
Purpose of loan: Put into my business.
This loan will be used to lend money on hard goods, gold, diamomds, guitars etc. Pawn Shop type items.

My financial situation: Good other than my fair credit score. There is nothing derogatory andnmot 1 late payment.
I am a good candidate for this loan because I have an outstanding payment history on my credit report and I always pay my debt. I know now with this economy things have been changing every day, which has been getting very difficult and i don't mean better.


Monthly net income: $9000 a Month
Monthly expenses: $5110
Housing: $1600
Insurance: $100
Car expenses: $1000
Utilities: $300
Phone, cable, internet: $110
Food, entertainment: $1200
Clothing, household expenses: $150
Credit cards and other loans: $450
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551718
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: $8,000 Estimated loss*: 11.90%  
Term: 60 months  
 
Lender yield: 28.97% Borrower rate/APR: 29.97% / 32.68% Monthly payment: $258.68
 
Lender servicing fee: 1.00% Effective Yield*: 28.24%  
Estimated return*: 16.34%  
* 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-2000 Debt/Income ratio: 32%
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 15 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,153Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: bold-deal-fortress Borrower's state: Hawaii 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
Loan
Purpose of loan:
This loan will be used to... Pay for necessary home improvements.

My financial situation:
I am a good candidate for this loan because... I pay my bills on time and have a good credit rating.


Monthly net income: $2,590
Monthly expenses: $100
Housing: $0
Insurance: $115
Car expenses: $40/month for gas
Utilities: $0
Phone, cable, internet: $50
Food, entertainment: $50
Clothing, household expenses: $25
Credit cards and other loans: $600
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551724
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: C Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 19.49% Borrower rate/APR: 20.49% / 24.25% Monthly payment: $74.83
 
Lender servicing fee: 1.00% Effective Yield*: 19.04%  
Estimated return*: 10.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-2002 Debt/Income ratio: Not calculated
Credit score: 720-739 (Jan-2012) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 5 / 1Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 12Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,016 
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: orange-proper-asset2 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
Loan to finish job interviews
Purpose of loan:
This loan will be used to pay for expenses related to job interviews for an engineering position, any housing/transportation costs at a new job prior to receiving first paycheck, and possibly income tax expenses.

My financial situation:
I am a good candidate for this loan because I have multiple interviews scheduled and probable job offer before the end of January for a professional engineering position. My yearly income at my previous job was approximately $70,000 per year.

Current monthly expenses are low:
Renting room for $325/month
Approximately $40/month in phone expenses for job interview related calls
Approximately $36/month in bus fare
Approximately $200/month in car rentals for job interviews
Approximately $150/month in food expenses
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551736
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 17.45% Borrower rate/APR: 18.45% / 20.36% Monthly payment: $384.58
 
Lender servicing fee: 1.00% Effective Yield*: 17.15%  
Estimated return*: 11.20%  
* 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: Aug-1995 Debt/Income ratio: 18%
Credit score: 740-759 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:17y 10m
Amount delinquent: $0 Total credit lines: 25 Occupation: Pilot - Private/Com...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,058Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: Yes  
Screen name: thrifty-interest3 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
Medical
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551752
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 11.90%  
Term: 60 months  
 
Lender yield: 28.97% Borrower rate/APR: 29.97% / 32.68% Monthly payment: $323.35
 
Lender servicing fee: 1.00% Effective Yield*: 28.24%  
Estimated return*: 16.34%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-2005 Debt/Income ratio: 15%
Credit score: 680-699 (Jan-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:0y 7m
Amount delinquent: $193 Total credit lines: 10 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,317Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: top-suave-interest 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
owner
Purpose of loan:
This loan will be used to...

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


Monthly net income: $5000
Monthly expenses: $2500
Monthly Housing: $350
Insurances: $400
Car expenses: $300
Utilities: $350
Phone, cable, internet: $75
Food, entertainment: $300
Clothing, household expenses: $50
Credit cards and other loans: $25000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551760
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 8.50%  
Term: 36 months  
 
Lender yield: 19.24% Borrower rate/APR: 20.24% / 23.99% Monthly payment: $559.29
 
Lender servicing fee: 1.00% Effective Yield*: 18.79%  
Estimated return*: 10.29%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1981 Debt/Income ratio: 30%
Credit score: 660-679 (Jan-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 14Length of status:37y 6m
Amount delinquent: $0 Total credit lines: 36 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,827Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: payment-bridge9 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
680-699 (Feb-2011)
 
Principal balance: $6,239.54 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
payment-bridge9
Purpose of loan:
This loan will be used to... consolidate

My financial situation:
I am a good candidate for this loan because...
I will pay it back on time.

Monthly net income: $2300.00
Monthly expenses: $
Housing: $ 0
Insurance: $ 150.00
Car expenses: $ 125.00
Utilities: $ 135.00
Phone, cable, internet: $ 100.00
Food, entertainment: $ 200.00
Clothing, household expenses: $ 100.00
Credit cards and other loans: $1500.00
Other expenses: $200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551766
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $25,000 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 8.99% Borrower rate/APR: 9.99% / 12.78% Monthly payment: $806.56
 
Lender servicing fee: 1.00% Effective Yield*: 8.97%  
Estimated return*: 5.17%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jan-1983 Debt/Income ratio: 9%
Credit score: 800-819 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:31y 9m
Amount delinquent: $0 Total credit lines: 23 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,256Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: wise-point-spy 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
Short term loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551772
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: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jun-1994 Debt/Income ratio: Not calculated
Credit score: 740-759 (Jan-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:6y 2m
Amount delinquent: $561 Total credit lines: 19 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,088Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: Yes  
Screen name: impressive-agreement860 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
BIGGER IS BETTER!!
Purpose of loan: COSMETIC SURGERY
This loan will be used to...
BREAST ENLARGEMENT
My financial situation: GOOD
I am a good candidate for this loan because...
I PAY MY BILLS ON TIME AND I THINK I DESERVE SOMETHING FOR MYSELF.....

Monthly net income: $6000
Monthly expenses: $
Housing: $1700
Insurance: $200
Car expenses: $200
Utilities: $400
Phone, cable, internet: $300
Food, entertainment: $500
Clothing, household expenses: $500
Credit cards and other loans: $1000
Other expenses: $ 600
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551778
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 2.00%  
Term: 60 months  
 
Lender yield: 11.96% Borrower rate/APR: 12.96% / 14.77% Monthly payment: $227.33
 
Lender servicing fee: 1.00% Effective Yield*: 11.92%  
Estimated return*: 9.92%  
* 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: May-1992 Debt/Income ratio: 9%
Credit score: 760-779 (Jan-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 24 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,806Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 19%  
   Homeownership: Yes  
Screen name: moola-mussel4 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 11 ( 100% ) 760-779 (Latest)
Principal borrowed: $6,400.00< 31 days late: 0 ( 0% )  
740-759 (Jan-2011)
 
Principal balance: $4,632.74 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Loan Consolidation
Purpose of loan:
This loan will be used to consolidate two other loans (pay them off completely).

My financial situation:
I am a good candidate for this loan because my credit rating is good, I make my payments. I desire to pay off two other loans, with other banks that are at a higher interest rate. Thus I will be lowering my monthly payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 550485
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.68% Borrower rate/APR: 24.68% / 27.25% Monthly payment: $437.46
 
Lender servicing fee: 1.00% Effective Yield*: 23.12%  
Estimated return*: 14.22%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-2001 Debt/Income ratio: 28%
Credit score: 680-699 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 7 Occupation: Bus Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,459Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: No  
Screen name: new-kindness-magnolia 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
Buying a co-op
Purpose of loan:
This loan will be used to...purchase a co-op

My financial situation:
I am a good candidate for this loan because...I pay all my bills on time and i worked too hard on my credit to mess it up! my credit score goal is 800. I have 7,000 saved already of my own money.


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 550987
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: $3,300.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,310 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $143.31
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* 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: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Jan-2012) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:25y 0m
Amount delinquent: $0 Total credit lines: 34 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,886Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: No  
Screen name: newest-pious-ore Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal
Purpose of loan: Consolidation
This loan will be used to...payoff other bills

My financial situation good
I am a good candidate for this loan because...I pay my bills on time I am never late.


Monthly net income: $2500
Monthly expenses: $100.00
Housing: $850
Insurance: $53.00
Car expenses: $50.00
Utilities: $30
Phone, cable, internet: $50.00
Food, entertainment: $75.00
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551651
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: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1989 Debt/Income ratio: 98%
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 14 / 11Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 38 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,107Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: Yes  
Screen name: affluence-excellence1 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
personal loan
Purpose of loan: personal loan
This loan will be used to...home improvment

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


Monthly net income: $443.60
Monthly expenses: $20.00
Housing: $500.00
Insurance: $0.00
Car expenses: $439.00
Utilities: $25.00
Phone, cable, internet: $30.00
Food, entertainment: $50.00
Clothing, household expenses: $0.00
Credit cards and other loans: $100.00
Other expenses: $
0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551661
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 12.96% Borrower rate/APR: 13.96% / 15.78% Monthly payment: $581.19
 
Lender servicing fee: 1.00% Effective Yield*: 12.91%  
Estimated return*: 9.11%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-1997 Debt/Income ratio: 22%
Credit score: 780-799 (Jan-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:7y 10m
Amount delinquent: $0 Total credit lines: 32 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,202Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: Yes  
Screen name: newest-consummate-coin Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Seahawk consolidation
CPurpose of loan:
This loan will be used to...consolidate bills

My financial situation:
I am a good candidate for this loan because...by consolidating bills it frees up monthly budgeting to allow early payoff of loan. We have no trouble making monthly payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551665
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: $9,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,300 Estimated loss*: 11.90%  
Term: 36 months  
 
Lender yield: 24.52% Borrower rate/APR: 25.52% / 29.39% Monthly payment: $360.32
 
Lender servicing fee: 1.00% Effective Yield*: 23.92%  
Estimated return*: 12.02%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-1989 Debt/Income ratio: 42%
Credit score: 720-739 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 13Length of status:26y 8m
Amount delinquent: $0 Total credit lines: 42 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $49,491Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: pound-scout7 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
Consolidation/Medical Expenses
Purpose of loan:
This loan will be used to...
Bill consolidation/pay medical expenses
My financial situation: good
I am a good candidate for this loan because...I have an excellent pay history, never late.


Monthly net income: $6,200.00
Monthly expenses: $5,585.00
Housing: $855
Insurance: $80.00
Car expenses: $250.00
Utilities: $150.00
Phone, cable, internet: $100.00
Food, entertainment: $300.00
Clothing, household expenses: $100.00
Credit cards and other loans: $3,750.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551671
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 17.45% Borrower rate/APR: 18.45% / 20.36% Monthly payment: $256.39
 
Lender servicing fee: 1.00% Effective Yield*: 17.15%  
Estimated return*: 11.20%  
* 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: Sep-1992 Debt/Income ratio: 17%
Credit score: 740-759 (Jan-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,492Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: dinero-shooter2 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
dream vacation
Purpose of loan: vac. and other bills..
This loan will be used to... pay for vacation and bills

My financial situation: is good
I am a good candidate for this loan because... i work very hard


Monthly net income: $4720
Monthly expenses: $2769
Housing: $540
Insurance: $100
Car expenses: $289
Utilities: $100
Phone, cable, internet: $0
Food, entertainment: $500
Clothing, household expenses: $200
Credit cards and other loans: $600
Other expenses: $
child support: $ 440
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551677
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 19.49% Borrower rate/APR: 20.49% / 24.25% Monthly payment: $374.14
 
Lender servicing fee: 1.00% Effective Yield*: 19.04%  
Estimated return*: 10.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Apr-1987 Debt/Income ratio: 22%
Credit score: 760-779 (Jan-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:19y 7m
Amount delinquent: $0 Total credit lines: 35 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,371Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: compassion-flag946 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
BEAVERDUCK65
Purpose of loan: CONSOLIDATION
This loan will be used to...PAY DEBT

My financial situation: IS VERY GOOD, STABLE JOB
I am a good candidate for this loan because...BECAUSE I TAKE MY RESPONSIBILITIES VERY SERIOUSLY. I PAY WHAT I OWE.


Monthly net income: $3000.00
Monthly expenses: $
Housing: $1040.00
Insurance: $60
Car expenses: $510
Utilities: $30
Phone, cable, internet: $35
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses .
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551681
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: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jun-1993 Debt/Income ratio: 30%
Credit score: 720-739 (Jan-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 9Length of status:10y 8m
Amount delinquent: $0 Total credit lines: 57 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,254Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: progressive-loyalty8 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
CJT Debt Consolidation
Purpose of loan: High Interest Debt Consolidation
This loan will be used to...Consolidate High Interest Loans used when salary cut by 20% annually.

My financial situation: Very Good
I am a good candidate for this loan because...I have a very good credit score and if you look at my payment history, I make my payments on time.


Monthly net income: $6,630.31
Monthly expenses: $4,450.00
Housing: $2600
Insurance: $Paid by Escrow Account
Car expenses: $ 0.00
Utilities: $300.00/mo
Phone, cable, internet: $120.00/mo.
Food, entertainment: $ 800.00/mo
Clothing, household expenses: $100.00/mo
Credit cards and other loans: $530.00
Other expenses: $550/mo
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551691
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 11.77% Monthly payment: $317.95
 
Lender servicing fee: 1.00% Effective Yield*: 7.97%  
Estimated return*: 5.97%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Mar-2003 Debt/Income ratio: 22%
Credit score: 660-679 (Jan-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:22y 1m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $10,501Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: No  
Screen name: limeycowboymike Borrower's state: California Borrower's group: Brighter Financial Future
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 70 ( 100% ) 660-679 (Latest)
Principal borrowed: $6,300.00< 31 days late: 0 ( 0% )  
600-619 (Mar-2008)
640-659 (Jul-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 70  
Description
I am tired of my credit card rates
Purpose of loan:
This loan will be used to...consolidate my credit cards,I would much rather pay the normal investor,rather than the credit card companies and there high rates

My financial situation:
I am a good candidate for this loan because...I am still employed at my same job for 22 years,my credit score is going up gradually,although I did have a few problems last year with somebody stealing my identity.I also have had previous loans from Prosper and they were both paid off with no late payments.Thanks Mike
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551713
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $25,000 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 8.99% Borrower rate/APR: 9.99% / 12.78% Monthly payment: $806.56
 
Lender servicing fee: 1.00% Effective Yield*: 8.97%  
Estimated return*: 5.17%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: May-1986 Debt/Income ratio: 16%
Credit score: 760-779 (Jan-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 7Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 38 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $320,646Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: wampum-crusader9 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 loan for home improvements
Purpose of loan:
This loan will be used to refurbish pool and deck.

My financial situation:
I am a good candidate for this loan because I have never been late on a loan payment and my FICO score is excellent.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551737
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: C Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 19.49% Borrower rate/APR: 20.49% / 24.25% Monthly payment: $74.83
 
Lender servicing fee: 1.00% Effective Yield*: 19.04%  
Estimated return*: 10.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-1990 Debt/Income ratio: 49%
Credit score: 720-739 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 18 / 16Length of status:15y 2m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,185Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: newest-compassionate-revenue Borrower's state: Kansas 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
Savanasnana
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2500
Monthly expenses: $
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 551745
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $8,050 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 17.45% Borrower rate/APR: 18.45% / 20.36% Monthly payment: $294.85
 
Lender servicing fee: 1.00% Effective Yield*: 17.15%  
Estimated return*: 11.20%  
* 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: Jun-2003 Debt/Income ratio: 18%
Credit score: 660-679 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 7Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,582Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: No  
Screen name: serene-contract484 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551749
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 11.77% Monthly payment: $222.57
 
Lender servicing fee: 1.00% Effective Yield*: 7.97%  
Estimated return*: 5.97%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Apr-1989 Debt/Income ratio: 15%
Credit score: 760-779 (Jan-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 43 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,104Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 30%  
   Homeownership: Yes  
Screen name: jrakow Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 760-779 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
760-779 (Dec-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
loan consolidation
Purpose of loan:
This loan will be used to pay down our credit card debt to lowere our overall interest rate.

My financial situation:
I am a good candidate for this loan because I have solid income and employment history and a history of paying of a previous prosper loan.
Information in the Description is not verified.